| Since the reform and opening-up policy has been carried out for 30 years, DongGuan's comprehensive economic strength offer great materials basic for its endowment insurance system to sound develop. Meantime, with the enhancement of the consciousness of self-protect, people will have more demands for their securities, which make the endowment insurance demands extremely exuberant. Comparatively speaking, DongGuan's endowment insurance system is in advance around the country, but there are still existing many problems, for instance, the number of extraneous workers is enormous, there are only 28% to participate the insurance among them, the rate of sharing the insurance is much lower and the coverage of participants still need to be expanded greatly. The author got the first head data by doing some questionnaires during intern.On this foundation, the author takes DongGuan's endowment insurance system and the participation rate as her study objects, to analyze the status quo of the insurance system, to find limit elements and gives some rationalization advice.By analyzing DongGuan's endowment insurance system, the author comes to conclusions that it existed serious inequable among different industry, different ownership, different income, and different education background, which related to the deficient regulations, the contradictive policies, government lacking performance, avoiding fees and lacking confidence for the system, etc.At last the article presents some practice suggestions and policies foe the system: the government should improve the regulations to serve fully the insurance system, solve the funds transferring problems as soon as possible, intensify the endowment insurance propaganda, and execute the flexible payment system; the firms should realize the meaning of paying for insurance and must consider that it is an clear obligation to participate the endowment system; and individuals should have consciousness to take part in it and must know to vindicate their legal rights. |
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