The Ideas That Pension Insurance System Is Optimized When The Social Context Changes

Social context as a social psychology concept,refers to the social micro-environment effecting individual psychological activities. According to the connotation of social insurance,this social context refers specifically to participate in the main social insurance (government,enterprises and individuals) constitute the actual situation of the collection. Social situations affect social insurance system for the design, the social insurance system should be in accordance with changes in social situations to adjust.Firstly, this paper explains the existing problems in the operation of the pension insurance to find these problems between the logic, and understanding a higher payment rate of pension insurance has a negative effect on ther problems.Then using the IDP theory analyzes the cause and the main responsibility. the paper account with the social context that our country's social security was set up, including actual situations of the government, enterprises and individuals, and then it thinks a higher payment rate is the optimal choice and a flawed reasonable arrangements. With economic development and social situation changes, the social context of pension insurance system has changed. Because this system has the problems, it should be be adjusted to make them more perfect under the new social context. Pension insurance payment rate is common factor leading to many problems, and the new social context provids a possibility for pension insurance payment rate adjustment.Finally, in the new social situations, according to the objectives of the public service Government, the paper provides some ideas to optimize pension insurance system, such as improving the law and change the structure of fiscal expenditure, public participation in the management, and expanding the development of Enterprise Annuity, and so on.