Research On Flexible Employees' Participation In Endowment Insurance In China

In 1980s, the flexible employment formed gradually and develops in our country. As one kind of emerging employment form, the flexible employment has provided the employment opportunity for the general laid-off workers and other personnel, and also alleviated our country's employment pressure greatly. However, the low coverage of the flexible employees'old-age insurance appears day by day. Not only the low coverage of old-age insurance has harmed the flexible employed people's rights and interests, moreover prevents the healthy development of the old-age insurance system. Therefore, how to enhance the insured rate of flexible employees'old-age insurance becomes a very urgent question.Firstly, this paper introduces the background issues, significance and research status of this research. Secondly, this paper sketches the flexible employee's basic situations and endowment insurance. That flexible employment is defined as working hours, income compensation, workplace, social insurance, labor relations and other aspects (at least one) are different from the establishment of the modern factory system in the industrialized and based on the traditional way of the mainstream employment of various employment forms in general. That flexible employment with job insecurity, not fixed, low income, low education level and labor skills in the absence of other characteristics. And from our current staff on flexible employment and flexible employment system requires two shows the number of insured persons employed in a flexible pension system status quo. Again, this paper described some theories, including life-cycle hypothesis, the intertemporal choice model, Pigou's theory of desire and satisfaction, and adjustment of state and so on. Then, using SPSS17.0 software and the method of modeling to process survey data, results showed that: income levels, age, the degree of satisfaction, understanding have a common impact on flexible employment's insured act. According to this result, combined with our actual policies and system of flexible employment's insurance as well as specific, self-employment from the flexibility factor, system design and other factors analyzed in three aspects Flexible Employment Pension Insurance the specific reasons for the low rate. That their factors insurance flexible employment rate is mainly affected by the low level of economic income, the traditional ideology, age factors; in the system design, our existing system of pension insurance contribution base high, payment ratio calculated for unreasonable treatment, payment period is too short and inadequate social insurance subsidies affect the flexible employment insurance initiative. Finally, the employment of flexible employment pension insurance of the specific reasons for the low rate, combined with international advanced experience, from the actual situation of China-related reform measures put forward. If the law, enacted as soon as possible, "Social Insurance Law" provisions of the law in the form of flexible employment to participate in all matters relating to pension insurance; in the design of the system, according to the different circumstances of flexible employees to take "hierarchical classification, voluntary choice, the state subsidies "progressive approach to flexible employment into the pension insurance system; in the secondary measures, increase the endowment insurance policy advocacy efforts, and improve wage systems and related data statistical system, multi-faceted and comprehensive insurance for the flexibility to provide a favorable employment internal and external environment.The innovation of this paper is to use my actual survey data, applied quantitative analysis methods for flexible employment pension insurance analysis of reasons for the low, revealing the economic impact of flexible employment income such insurance is the main factor In addition, the satisfaction of existing policies, the degree of understanding and flexible employment age is their own insurance or not factors. Propose solutions for these reasons, flexible employment insurance and the Strategy: First, improve flexibility in employment income. No employer for flexible employment pension insurance to take "individual contributions and state aid," a combination of deficiency payments methods; for employers the flexibility to raise the minimum wage employment standard way to increase income. Second, the proportion with a flexible payment plan hair treatment approach. By the flexible employment level according to their own voluntary choice of economic contribution rate, the proportion of payment in the state enjoyed by 20% based on total hair treatment, payment for every 1% reduction in the proportion, calculated for a corresponding reduction in treatment 1%.The inadequacy of the article is that some of the data used in the text is the result of my investigation and not the actual official data, the survey is limited in scope. In addition, the arrangements take into account the content and focus of the article, for flexible employment pension insurance rate in recent years, a decrease of the problem is not described.