The Study Of The Issue Of The Family-run Shop Workers' Primary Endowment Insurance

In the long-term planned economy period, our country carried out the policy of eradicating the soil of capitalism, namely eradicated the small-scale production which has the characteristic of capitalism, in order to prevent the restoration of capitalism. The policy oppressed and limited "mom and pop" which have the characteristic of the small-scale production. The establishment of the market economy system, our economic environment have a big change, our country gradually abandoned the old policy which seriously waste human resources.The restrictive policy change into the support policy made our country formed the vast sea of the small-scale production,the flexible employment mode just like the "mom and pop" got a widespread in our country.The flexible employment in all new employment is more than 70 percent and the "mom and pop" in the flexible employees is more than 50 percent. Faced with such a huge group of employment, our support policy is still lag and loss. From the investigation, we found that the insurance policy for promoting the flexible employment has formed pressure.The present insurance system for the old-aged in our country is built on the nationalized and collective enterprise. It is designed for the traditional formal employment. The lacking of old-aged insurance in "mom and pop" employees is not only to hinder the healthy development of "mom and pop" but also make the burden of the old-aged country seriously, influence he harmonious development of the society.The author conducted a survey on the old-age insurance of 100 "mom and pop" in changchun jingyue economy development area, based on the investigation of the basic old-age insurance of "mom and pop" employees and found out that the old-aged insurance covering surface is small and ratio is low of "mom and pop".The employees in "mom and pop" is about 40 percent in all new increased employees and those people excluded old-aged insurance by man-made will make a downside for harmonious society and full employment. The issue of "mom and pop" employees'old-aged insurance is correlative to themselves, the design of endowment insurance institution and the implementation of endowment insurance. Through the research, the author to table a proposal in the principle, overall train of thought and specific operation of endowment insurance.