Research On The Regional Differences Of The Social Insurance System And Their Impacts

The social insurance system is the product of development of the large-scale socialized production and market economy to a certain period. As a social institutional arrangement built by the country and dominantly implemented by the government, it has become integral of the modern market economic activities. Its function has surpassed the pure economic field. The unique function of the social insurance system lies in that it can gradually evolve into the innate variable in the process of development of the market economy, restrict and influence the whole process of economic development once it is built as an institutional arrangement. The social insurance system adaptable to the requirements of the socialist market economic system of our country in a modern sense is gradually built and perfect with the progress of the reform of the economic system. It is necessarily a progressive and gradual perfected process. With the gradual building and perfection of the social insurance system, its special system function as one of the important innate variables of the social economic development has been gradually shown and become the important factor in the regional social economic development that much attention shall be paid. At present, in the actual operation of the social insurance system of our country, the overall institutional frameworks of all the provinces are nearly consistent, but there exist distinct differences in some detailed elements of the system such as payment rate of the enterprise, actual individual account scale and investment and operation means of funds, etc. due to the differences in the regional economic development level. The regional differences of such a system are expanded, to the different extents in the social economic operation, for example, the labor force cost, citizens'consumption and financial expenditure, etc. influence the harmonious development of the regional economy, to some extent. Therefore, the analysis and study of the relevance impacts of the regional differences of the social insurance system are imminent. It is of important reality to perfect the social insurance system for the macro-policy demand for equalization of expanding the internal demand and public services of our country.The social insurance is the major institutional arrangement covering the people, made by the country through legislation and organized by the government to resolve the economic problems via the economic means and achieve the specific political purposes so as to assure the citizens'basic life in the reduction or breaking of the income for aging, unemployment, diseases and industrial injury, etc. and the social economic institutional arrangement given in suffering from the accidental disasters. The social insurance system arrangements generally include endowment insurance system, medical insurance system, unemployment insurance system, industrial injury insurance system and maternity insurance system, etc. As a national institutional arrangement, it represents the distinct differences in the practice of all the countries.The theoretical abstraction of the connotation of the social insurance system focused on the different system modes is made from various perspectives, which mainly include safety system theory, welfare system theory and economic adjusting policy theory, etc. The social insurance system is not only the necessary choice based on the socialist market economy but also the important approach of enhancing the stability of the social market economy in addition to the important pillar for the harmonious development of regional economy and society. The social insurance system not only produces the important impacts on the total social economic operating cost and labor force cost of the enterprise but also plays the irreplaceable role in the development of the capital market and adjustment of the regional economic interests. With the perfection of the market economic system of our country and continuous acceleration of urbanization, the social insurance system, as the governmental institutional arrangement has been incorporated into the process of economic development and played the important roles.The objective existence of some differences of division of administrative regions, planned levels between the regions, historical hidden debts between the regions, economic development level between the provinces and social security rates between the regions, etc. the existence of the regional differences of the social insurance system necessary. Such differences will not only produce the impacts on the regional social stability and regional transfer of the labor force, etc. but also produce the important impacts on the regional competitive advantages, regional financial income, regional citizens'consumption and regional capital market, etc. The government shall improve the importance attached to the regional differences of the social insurance system and their impacts and carry out the adjustment and perfection favorable to its regional social and economic development according to the elements of the social insurance system and try to improve the regional social and economic development level through the adjustment and perfection of the system in the national uniform designed system framework. In the social development, the system shall be perfected to promote the social stability and guide the regional transfer of the labor force. In the economic development, the competitive advantages of the regional enterprises shall be improved, the financial income structure shall be adjusted, the citizens'consumption expectancy shall be improved and the capital flow of the regional capital market shall be increased. To be exact, first, the planned levels of the social insurance system shall be improved and the relative fairness of the regional support levels shall be gradually realized. Second, the adjustment of the social security between the regions by the Central Government shall be strengthened and the regional fund adjusting system shall be built. Third, the rational connection of the regional differences shall be considered in the design of the system. Fourth, the transformation of the social insurance premium to the social security tax shall be gradually promoted.