The Research About Endowment Insurance For Low-income Flexible Employees

Presently the population of flexible employees had grown rapidly all over the world, especially in developing country.As the biggest developing country,China is also facing the same problem.With the increasing of the population,the problem of endowment insurance of flexible employees had become more seriously than ever.These kind of problem can be illustrated as selection of statutory retirement age,anti-allowance, incapable payment of low-income flexible employees, lack of paying will of profitable community and so on.These kind of problems affect the endowment insurance of flexible employees seriously. Consequently,lack of institutional instrument, inappropriate classify of flexible employees and the culture difference between China and the west lead to the problem above.Facing the problem about endowment insurance institution of flexible employees,this article exerts the theory of Social Security ,Negative Income Tax,Asset Securitization to analyze the problem above and propound the idea to that.The idea include establish a family account to solve the problem of register of endowment insurance which is recording by years,and can also prevent anti-allowance,put forward a proposal to solve the problem of incapable payment of low-income flexible employees which basic on the theory of Asset Securitization.Advance the problem of lack of paying will of profitable community which on the basic of theory of Negative Income Tax.Besides,feasibility analysis has been done toward solutions above, to solve the problem of endowment insurance of low-income flexible employees.