Overall Level Of China's Social Insurance Research

The dissertation aims to remove the obstacles hindering the free flow of personnel in China's social insurance system, to push forward the formation of a unified labor market, and to facilitate the further improvement of China's socialist market economy system. The dissertation, studying China's social insurance system in the light of orchestration level, points out the problems now existing in China's social insurance system, probes into the target models to reform China's social insurance system from theoretical and practical perspectives, and finally attempts to explore not only its reform ways but also the tactics to speed up its reform. Meanwhile, the dissertation, from perspective of the overall orchestration of China's urban insurance system and rural insurance system, explores the issues of integrating the urban insurance system with the rural social insurance. Therefore, the dissertation studies not only the orchestration level of China's basic endowment insurance, basic medical treatment insurance, unemployment insurance, industrial injury insurance , and fertility insurance, but also the social endowment insurance and the cooperative treatment system in the rural areas. The study of raising the orchestration level of China's basic endowment insurance, however, is the main contents of the dissertation, for the special status that China's basic endowment insurance ranks and the special roles it plays. The dissertation consists of eight parts except its preface and conclusion.The introduction introduces its research object, research scope, the theoretical and practical meaning to choose such a topic, its research methods and an overview of the program that other scholars have achieved in this field.The first chapter, in addition to probing into the role that social insurance plays in individuals, governments and business enterprises through an analysis of the essence of China's social insurance premium, points out that a close cooperation between governments and individuals is the precondition that the social insurance system can operate successfully. Furthermore, the chapter analyzes the conditions in which the cash transaction system of China's endowment insurance, the system of total accumulation or of partial accumulation can operate successfully. The conclusion here is: under the partial accumulation system in which China's regional governments plan overall the endowment insurance, the interest of the individuals who insures should be protected, and in order to achieve a close cooperation between individuals and governments, a basic endowment insurance system which is orchestrated by China's central government should be built up. Finally, the chapter probes into the influence that the orchestration level of industrial injury insurance, fertility insurance, medical treatment insurance and unemployment insurance plays on the flow of personal.The second chapter, introducing the change process of China's social insurance system, not only analyzes the historic reasons but also points out various reasons why the overall plan level which guides the endowment insurance of the residents in cities and towns is so low. The chapter also analyzes the disadvantages resulting from the state that China's endowment insurance reform in State institutions and public services units lags behind the endowment insurance reform in business enterprises, and points out the current policy defects in China's social insurance system which regulates the personal flow between governments and institutions on the one side and business enterprises on the other side, both of which are the results that the reform of individuals'accounts is not thorough. The conclusion here is: whatever the units are, be State institutions, public services units or business enterprises, the basic endowment insurance system should be unified, and planed overall by China's central government.The third Chapter elaborates the significance of establishing peasant-workers'social insurance system, analyzes the gains as well as losses of the current peasant-workers'social insurance models, and makes comments on the speculations and suggestions about establishing a social insurance system presented by Profess Li Yingsheng and other scholars which is for those that move from the rural areas to cities. This chapter also analyzes the influence that peasant-workers'withdrawal from social insurance will have on the interests of peasant-workers themselves, the units which employ them, and the concerned local governments that they flow in or flow out. The conclusion here is: in order to plan overall the establishment of the social insurance system both in cities and in rural areas, the obstacle of China's census registration system should be removed, and the peasant-workers'social insurance system orchestrated by China's central government should be built.The fourth Chapter, in addition to elucidating the present constructional states of China's social endowment insurance system in the rural areas as well as the co-operative medical treatment system in rural areas, and to analyzes its advantages and disadvantages in such two aspects mentioned above, also indicates the selective dilemmas in the establishment of the social insurance system for peasant-workers whose farmland have been taken over for use. This chapter also points out the mutual separation states concerned with china's peasant-workers'social insurance system, which requires to be integrated from the perspective of planning overall the urban and rural insurance system. The chapter's conclusion is: the basic means to establish a social insurance system integrating both urban areas and rural areas is to raise the orchestration level of the social insurance, and to build up the social insurance system orchestrated by China's central government.The fifth chapter discusses the basic principles to raise the orchestration level of China's social insurance. The first principle points out that it is impossible for china to establish in a short period a completely fair social insurance system, but it does not follow that the pursue to establish such a fair system can be given up. The second principle indicates that to promote the appropriate distribution of human resources is the intrinsic requirement of China's socialist market economy system, for which China's social insurance system should Endeavour. The third principle emphasizes that the social insurance should not be regarded as government's free lunch, but the returns of payment in which rights and commitments are in highly positive proportion. The fourth principle points out that the characteristics of China's social insurance system which are to guarantee the basic life of most people have determined not only the level of paying for social insurance but also the level of enjoying its treatments. The fifth principle has proved that the compulsory social insurance is very indispensable, which also is the necessary condition for social insurance system to operate successfully. The sixth principle clarifies that China's social insurance system should be transferred from the priority of fairness in a small scope to the priority of efficiency in a large scope. All those principles mentioned above should become the guiding thought to raises the orchestration level of the social insurance.The sixth chapter analyzes the financial and technical feasibility for China to realize the priority of establishing peasant-workers social insurance system orchestrated by the central government, inquires into its target models as well as management models, clarifies the possible path for China to reform its endowment insurance system in State institutions and public service units, and finally presents the specific tactics to speed up the escalation of the orchestration level of the basic endowment insurance for the business enterprises'workers and staffs in the urban areas. Furthermore, the chapter also analyzes the feasibility to raise the orchestration level of industrial injury insurance, fertility insurance, medical treatment insurance and unemployment insurance.The seventh chapter attempts to define the ultimate financial responsibility for the local and central government to raise the orchestration level of the basic endowment insurance, puts forward certain basic principles dealing with the operating expense of the endowment insurance system, inquires into the social insurance responsibility that China's government should take in the course of implementing its classification reform about its institutions, all of which in turn can be served as the theory basis for the social insurance which is going to raise its orchestration level of social insurance in order to obtain various support both from public finance and other sections. What is more, the chapter also studies the issue of integrating and linking the urban and rural social insurance systems.The eighth chapter inquires into the target models for China to reform its basic endowment insurance, basic medical treatment insurance and unemployment insurance system, which indicates the direction for China to implement its social insurance system reform. With regard to the issue of raising the paying rate of China's social insurance premium, here can see some personal opinions by the writer, which in turn has roughly showed the aim for China to reform its social insurance system regardless of its contents that is not comprehensive enough to serve as the managing models for the central government to orchestrate its social insurance funds.The conclusion makes a rough judgment not only on the time when a unified basic endowment insurance system can be established for workers in urban areas, peasant-workers and staffs both in State institutions and public service units, but also the time when the basic endowment insurance can be planed overall by China's central government.