Development Mode Research Of China's Synthesized Planned Birth Insurance～1 In China

Great achievements had been accomplished by the Planned Birth policy in China, especially in the field of controlling peoples'amount. On the other side of coin, the policy caused many problems such as imbalance of the male-female ratio, the abnormal of the total birthrate of the urban and the country area. At the same time, the Planned Birth policy also led to the result that fiscal expenditure is unequally distributed between different generations. Another problem is that the conflict between the continuity of the Planned Birth policy and the administrative management. This essay starts from the relationship between the maternity insurance and the Planned Birth insurance, analyses the puzzledom of the present Planned Birth policy, tries to explore a way to settle a stable and continuous system. It is my purpose to find a solution to put Planned Birth budget and the accumulated premium into the social security system. Another purpose is to integrate various benefactions into the social welfare system. Therefore, to set up a professional insurance company is onethe most effective solutions for the dilemma caused by the Planned Birth policy. This company devotes itself to issue synthesized Planned Birth insurance. This article probes into optional modes to develop Planned Birth insurance and put up with a gradual procedure for it. The first step is to set experimental unit, using commercial insurance companies as agents to develop Planned Birth insurance, after the transition period, and then form a unique Planned Birth insurance company. This essay tries to evaluate the premium demands of two insurance that is easy to realize, to offer references for policy-makers to initialize a stated-owned Planned Birth insurance company. This essay also makes a round analysis for the budget to form the insurance company puts some policy advices to set up the company.