The Developing Actuality, Problem And Countermeasure Of Our Country's Endowment Insurance Of The City Enterprise

The characteristic of the Endowment Insurance is that social security programs were funded by the State and managed separately by units. It is the most important part of the social security, it is influencing more people, involving wide domain, and regarded by many governments. Perfecting the endowment insurance is very important to promote the development of socialism market economy.China is a developing country of so many people. Finance mode of domestic social endowment insurance system for the aged is"pay as you go", which was founded in 1950's.This system not only is simple and efficient in planned economy, but also embodies mutual benefit function of social insure in public-owned system. With aging of the people age structure in China and developing of market economy, China has shifted its Endowment Insurance model from the previous one of foundation of collection and payment in cash to the new model of partial accumulation foundation that combines overall social planning with personal accounts. This shift means an innovation of the Endowment Insurance system.In this article, the author first studies the features and trends of population aging in China, then review the developmental course and the establishment of the Endowment Insurance system in China, on this basis the author analyzes the main problems of the Endowment Insurance system in China and their cause of formation, and brings forward the countermeasures for establishing and consummating the Endowment Insurance system in China.