Research On The Pension's Government Level Pooling

China's endowment insurance system for urban enterprise workers was established in the 1950s, but in the"Cultural Revolution"period, it had been destroyed, and in fact set back to the insurance business. In 1980s, our country started to reform the endowment insurance. After 10 year of effort, our country has established the"integration accounts combined with individual accounts"social insurance system, which is a big progress of china's old insurance system. However, due to China's economic and social reasons, the current pension system still has many problems. Among them, low-level of planning is an important one, since our endowment insurance is not overall planned by central government. There are inconsistent rates and different basic social insurance premiums in different provinces, which resulting in different insurance burden among enterprises. It is on contrary to the equity principle of market economy. In addition, along with the continuous development of China's market economy, labor mobility across regions has become a common phenomenon, but the recent endowment insurance system obstructs the flow of labor, so it is difficult to establish a unified national labor market. The recent endowment insurance system is not only hard to make full use of endowment insurance risk diversification characteristics, but also a disadvantage for social harmony and stability. Therefore, the government level pooling of basic pension appears especially important.This article tries to provide the basis for the government level pooling of China's basic pension, whose theoretical framework is constructed by answering three basic problems as follow. The first one is, why should achieve the government level pooling of basic pension? The second one is, thus the national coordinating has a huge advantage, why we can not get it in the long-term? The third one is, how should we carry proper reform under the existing conditions to achieve national overall plan better?Chapter one firstly cuts into the subject through the analysis on this article's research background and the significance, and has carried out the analysis appraisal on predecessor's findings. Chapter two introduces the main object of the study in detail, and finds the support theories for the object of the study: major principle, fair theory and game theory. These two chapters lay the foundation for the following three problems'reply.Chapter three elaborates the changes of our country's basic old insurance overall plan level since 1950s with historical analysis method, through the disadvantages that low overall plan level has brought in order to explain the national overall plan's necessity, points out that the national overall plan is good for our country's labor force reasonable flowing, makes social cooperation become true, promotes enterprise benignity competition, reduces the fund investment operation risks. This is a key of the first problem.Chapter five aims at the obstacle factors from the provincial level to the national level we should face. It answers the second basic problem through a combination of qualitative and quantitative methods.However, there are also advantages for the implementation of the national overall plan under current conditions. Chapter four shows that the implementation of the national level overall plan in our country is with possibility through analysis on the political, economic, technological, legal conditions.Chapter six proposes the possible reform measures under the existing hindrance, in order to provide reference to make the national overall plan come true in future. This is the answer to the third problem.The unified planning at provincial level is still a separate form of the whole pension system, and it only will be the future advances to the national overall plan. The unified planning at the national level for basic old insurance system is imperative. Therefore, by taking full advantages of the conditions existed, adopting the reasonable measure to eliminate the disadvantage factors, the basic old insurance's national overall plan is now within our grasp.The innovation of this article is, firstly, combines the development of basic pension with changes of the overall plan level through historical method. Secondly, carries on the overall analysis to the feasibility of the national overall plan in political, economic, technological and legal aspects. Thirdly, from subjective and objective aspects to analyze the existing obstacles, and utilizes the game theory to explain the main body's behavior.