Research On Continuation Of The Pension Insurance Problems Of Laid-off And Unemployed Workers

Since the 1990s, along with the depth reform of state-owned enterprises , structural changes become severe problems caused by the laid-off and unemployed, and aroused widespread concern that the government and society. With the implementation of the corresponding re-employment plan, but its effectiveness has not, because of the quality of laid-off unemployed restrictions difficult to find suitable jobs in the market, even if re-employed, which is usually some flexibility in the non-formal employment, only able to maintain a basic living.In the early 2005, the Ministry of Labor and Social Security said, China will be used in two or three years time left over from the planned economy to solve the problem of surplus state-owned enterprises. Laid off in 2005 and the completion of the basic tasks of the merger to the unemployed. This also means that a large number of laid-off workers will cut their labor relations with enterprises, as a unit of society change. Is that the problems associated with the changes in labor relations, pension insurance for laid-off workers have also suspended? If we follow the old-age insurance, the laid-off and unemployed workers must shoulder all of the cost. This undoubtedly was difficult lives worse; if we can not continue to pay, after reaching legal age, personal accounts of life is not to fail basic pensions I store personal accounts amount to a lump sum payment to terminate the pension insurance relationship.Under such circumstances, a large number of "discontinued security" phenomenons have undoubtedly brought a hidden danger to social stability. On one hand, due to continuously reduce the length of the insurance payment, calculating the pension base will be very small, Pensions will receive a corresponding decrease in the future as the society is likely to raise living standards, ensure a sense of security. The other hand, with the constantly increasing number of insurance, and limited the number of new policy holders, it's difficult to break the old-age insurance funds. Therefore, the mind of the old-age insurance for laid-off workers has yet to be resolved.Due to the reality of our own shortcomings pension insurance, endowment insurance for laid-off workers is difficult to follow. China's pension insurance system since the 1950s of the 20th Century to the mid-1980s, as planned economy has been supporting system. Sales outside the pension expenditure item,workers do not have to take their financial obligations. During this period the state pension insurance by the state of the economy within the scope of state-owned enterprises, support the co-ordination Commission president admission system, coverage of all salaried workers in cities and towns, including the collective economy. But in the mid-1980s, with state-owned enterprises with independent accounting, self-financing reform, the pension insurance system has actually become a pure flat insurance system. Enterprises can not afford the same. To solve this problem, China began a reform of the pension insurance system and exploration.Despite 20 years of reform, the current combination of social pooling and individual accounts of the pension insurance system and many shortcomings still exist. Narrow coverage, the payment rate is too high, the policies of place the design of the system violated the principle of fairness and the lagging social security legislation have hindered the smooth successor to the old-age insurance for laid-off workers.Most of the laid-off and unemployed workers find jobs in the private-owned enterprises. These enterprises seldom participated in the pension insurance. Narrow the pension insurance coverage has directly led to the high rate of payment. The internationally recognized warning line of enterprise pension insurance is 20%, but in our country, the great majority of the enterprises to pay more than 20% of all proportion. Many people are excluded from the higher contribution rate regime. Therefore it's difficult to expand coverage. With higher rates of system maintenance, States continue to raise toll rates to keep a balanced budget, the final into a vicious circle.Due to the bad policy advocacy, many laid-off or unemployed workers, or do not know how to keep the old-age insurance system, there are many misunderstandings and mistrust. In addition, China's current pension system is the crowd's regular employment for laid-off and unemployed workers, pay pension insurance costs is undoubtedly greater pressure, and there is probably more of abject poverty. Social Security legislation so far, units often used to evade payment of old-age insurance for laid-off workers. Management efficiency is not high, many laid-off workers to keep the light of the failure to proceed smoothly.Thus, the light of these recommendations and measures proposed in this paper the following points. First, the SOEs should speed up the solution of problems left over from the merger of laid-off and unemployed straighten out the lifting of labor relations at the personal accounts to pay pensions and life insurance. Second, the state should introduce a "low level, wide coverage," the basic endowment insurance system. Put more people into the "safety net". Again, perfect relief workers laid-off by supporting the building of the system. Finally the pension insurance system and improve the management and service level, raising the awareness level of laid-off unemployed people and old-age insurance renewal of the initiative.