On The Responsibility Of Individual And Government In The Aged Insurance

Responsibility is an important problem of supporting parents in the field of the aged welfare. Individual , family , government have successively become the undertaker of the aged welfare . And, the individual responsibility have been pushed to the subjective position by market-based reform of the aged pension system in the whole world since the end of 1970s. We can say, the development of the aged insurance is a historical course in which government responsibility and individual (including the family ) responsibility have grown an declined , supplemented and cooperated each other .The paper analyses and researches the government and individual responsibility in the aged insurance ,in which individual responsible is taken as the main thread, meeting the demand of the aged and improving the social welfare are taken as the final goal.To meet the demand of the aged and then to improve the social welfare are the final goal in the changes of the pension system, especially in the changes of responsibility and subjects. This paper claims that the privative is an inherent characteristic of the aged insurance, but the pubic is only external, theoretically. Therefore, it is the logic inevitable that primary and main responsibility is undertaken by the individual . But the realization of individual responsible depends on the personal one's own ability of making value and the exchanges and competes in external market. Meanwhile, in the modern society, the risk from social and system become the important component of the risk of the aged insurance. So, the government's responsibility lies in: (1) to offer one public pension plan which can undertake part risk; (2) to cultivate and create the conditions and environment on which the individual responsible must rely. As the individual, should rely on his own work to bear majority responsibility through external market mechanism, including exchange and competition. Therefore, the border and range of government's responsibility and individual responsibility can be confirmed in aged insurance.On this basis, the paper has analyzed the reform of the urban aged insurance system in our country since 1951. It is pointed out that the reform of the urban pension system has being undergone the retreat of government responsibility and the enforcing of the institutional...