Several Thoughts On Reformation Of The Endowment Insurance System Reformation

The endowment insurance system of Yanbian experiences successively the stage of traditional system , the stage of the society total plan experimental unit and after 1995 the stage of total account combination obtained the substantial advance with the obvious achievement .Only in regard to overlay, at the end of 2002 already to 396, 776 people, among them the insurants of provincial orchestration endowment insurance am--ount to 355.655 people ,the insurants of collective orchestration endowment insurance amount to 41, 121 people and collect the endowment, insurance fee 440, 360 thousand $RMB , among them provincial orchestration insurance fee is 409,200 thousand $RMB , collective orchestration insurance fee is 321, 160 thousand $RMB . In fact appropriating retire-ment pension is 664, 970 thousand $RMB , among them orchestration pr-ovincial fee is 623,040 thousand $RMB .collective orchestration insu-rance fee is 41,930 thousand $RMB. In regard to the construction of object , employees of the past public economic business now based on the high overlay of 98. 2% state-owned enterprise and 93. 7% collective enter--prise expand to the non-public economic business, the town individual operators and the liberal professions.These years, although the achievement of the development of the endowment insurance of Yanbian is remarkable , unpleasurably it exposed a lot of contradiction and a series of problems . It is as follows :The overlay of endowment insurance is narrow, the most individual indust--ries , the private enterprise and non-agriculture persons still have not brought into the current endowment insurance system ;the levy level descends, the phenomenon of arrearage still cannot be forbidden;the level of orchestration is low and lack of adjustment necessarily;" the difference in amount appropriates different insurance fee " The problem still exists ; the retirement age is so early" the phenomenon of reti--rement in advance is more serious ;the degree of socialization is low, the onus of the state-owned enterprise is overweight and so on.Owing to above current endowment insurance system and the problem in the course of the operation , in order to adapt to increase and quick marketability of the economic system as soon as possible , the agednessin population structure, the urbanism of social structure program and so on, to further reform the current endowment insurance system and operating mechanism . According to the current circumstance in Yanbian, we should improve the basic thought of reform on the base of the national system framework and basic mode of endowment insurance in town and extend the overlays of endowment insurance . Up to 2002, in the whole state the number of the endowment insurant in the individual industry and private enterprise is only 22,993 people, accounting for 10.8% of the total number of individual industry private enterprise . In addition, the farmer in town and employee in village enterprise is still outside the endowment insurance system , therefore, the employee in non-public system should be the key part of Yanbian endowment insurance and should as soon as possible bring this part into the endowment insurance system. "Retirement in advance" is a kind of phenomenon that is drives by personal economic benefits . It not only aggravates the burden of endowment insurance, affects the social economic development, but also influences the social stability, breaks the retirement strategy severity, corrupts the social ethos . so we should tidy up completely " Retirement in advance" as early as possible and reform " Retirement in advance" endowment insurance system.Setting up the housing accumulation fund system and integrating with retirement pension is the reasonable solution that rearranges the resources, resolves the shortage of buying-house payment , strengthens the function that personal account funds supplement the orchestration funds .Therefor, so we should increase the structure level of the collective orchestration endowment insurance, practice the class orchestrat...