Defects In The Basic Endowment Insurance System For Enterprise Employees And Countermeasures - Old-age Insurance Fund Raising Game Difficulties And Countermeasures

Now, in our country The main system of the old age insurance for city enterprise employees is "partially-funded system". This system has exposed many defects. The main problems are reflected in the follow there aspects: (1) Many enterprises evade old age insurance contribution which makes it hard to collect the contributions, and ever harder to expand the coverage. (2) The individual account is emptied, so there exist a potential danger for the abortion of the new system. (3) Because the revenue is insufficient to cover expenditure, state is forced to make up the funded deficiency. All these problems make the funded is facing financial crisis with a tendency to worsening.Seeking advantage and evading disadvantage is the reasoning being's basic characteristic, but reasoning enterprises and state should try their best to seek their interest within the limits of system and law. And the system and law decided the behavior and function of the enterprise and state. Why do the reasoning enterprise and state take inreasoning behavior, I think the reason doesn't exist enterprise and state themselves, but exist the system itself.Using the basic theory of game theory, I analyzed the games about providing fund for the establishing of the "partially-funded system", that occur between state and enterprise, and between enterprise and enterprise. So that I can find the reasons that make the system faces financial crisis with a tendency to worsening, and put forward countermeasures accordingly.