Reflections On Establishing And Perfecting Chinese Social Security System

With the foundation and development of social market economy and the reform of economic system is gradually in depth, a perfect social security is required to be established to suit it. Establishing a perfect social security has an important bearing on reform, development and stability of China. Starting with basic theories of social security, this paper will illustrate our present social security system and analyze problems existing in our present social security system, and present the necessity of establishing and perfecting Chinese social security system, as well as the corresponding methods and suggestions. Although each country has different description on social security according to its own characteristics and facts, it contains a common ground, that is, social security is a system, which takes government as its principal part, and helps those people who are in difficulty because of losing working ability or other reasons in substance in order to guarantee their basic living according to the regulation of law by reassigning the national income. Social security is a stable and regulating mechanism which makes society operate virtuously. Social security is made up of four parts, that is, social insurance, social relief, social welfare, and special social care to disabled serviceman and his relatives. Among them, social insurance is the core of social security system, social welfare is the highest level and social relief is the basic part. Now, Chinese social security system contains social insurance, social welfare, social relief, social special care to disable serviceman and his relatives, social mutual aid and cooperation, and individual saving accumulating security, advocating to develop commerce insurance as a supplement to social security. Since 1980s, the old-aged, medical, unemployed insurance and social relief play an active role in stabilizing society and ensuring people's living under planned economy. With the foundation and development of social market economy and the reformation of economic system is gradually in depth, problems emerge increasingly. The first one is that the scope of social security is limited. The second one is that social security system is scattered, and lacks integrated legislation and management method. The third one is that social security funds reserve is not enough. The forth one is legal issues concerning social security. A perfect social security system needs social legislation. Therefore, Chinese social security system needs reform, and these problems will perplex social security for a long time as following: The first is employment pressure. The second is the ageing of population. The third is changing from rural residence to urban residence. The forth is problems of social security cost, and the fifth is regional differences. In addition, with participating into WTO, Chinese social security will face double pressure. One is that self-perfection of Chinese social security hasn't finished and it must be finished, and the other is that external impact is strong.To sum up, establishing a perfect Chinese social security system is the guarantee of keeping society stable and economic development. If we are short of the system, it will not solve social problems such as poverty and unemployment, ect.The general aim of Chinese social security system is to establish a social security system which suits the needs of economic development level, and the source of its funds is various, and the pattern of security is diversified. And corresponding methods and suggestions will be given as following:A) The reformation of the old-aged insurance is still a focal point in the future. The mode of Chinese old-aged insurance is "combining social unified planning with personal bank account". And the key of future reformation is to clear about the methods of combining social unified planning with personal bank account, to adjust the frame of organization and methods of management, and then to make it accord with the...