Research On The Concurrent Study Of Urban Employee 's Endowment Insurance In China

In December 2014, 《The decision of the State Council on the reform of the pension insurance system for the staff of government》 has been released, starting the merger of pension insurance for urban workers. This reform is of great importance. Because the pension insurance is not only to protect the basic survival rights of workers and to maintain social operation and economic development, but also to adjust the contradictions between different income groups, promote social harmony, political stability.This article starts from the national policy, based on the current economic and social development of the reality, research the specific circumstances of the merger of the pension system. Trying to start from the connotation of economic system reform, and the core is to analyze the interest relationship among the main stakeholders, the end result will be put on the improvement of a unified pension system.The merger reform of the endowment insurance for urban workers, both in the practice of the level of performance as a process, but also in theory as a result, it is the institution and enterprise units unified pension insurance system. Two track pension insurance originated in the planned economy period, and has gradually been changed with the reform of economic system. The reform of economic system has formed a diversified social interest subject, and the system reform is to adjust the economic interests among different stakeholders. The government has multiple identities, it wants to reduce the financial burden, enhance the sustainability of fiscal and pension insurance, but also want to promote social fairness and justice, to ensure the smooth progress of the socialist construction. Enterprise as an independent market main body, it wants to reduce the pension contribution burden of endowment insurance, also want to reduce the limits of development, in order to optimize the structure of development. Individual worker, both want to improve the treatment of pension and does not reduce the current level of living, but also want to improve the freedom of personal choice, and the dignity of workers. In the merger reform of the endowment insurance for urban workers, there is contradiction of interest among different stakeholders. According to the current pension reform program:the responsibility of individual employees is increased; the responsibility of the government to manage the overall management has been strengthened, but the practical responsibility for payment in the form has been reduced; the enterprise to a certain extent has assumed more responsibility. To better coordinate the interests relationship between the stakeholders as the direction, improving the unified pension insurance system for urban workers, and to solve the contradictions between the relevant stakeholders. Specifically, to further deepen the reform of the economic system, in particular, to promote the reform of the political system. On the one hand, to build a service-oriented government; On the other hand, to promote the legislation of endowment insurance. In addition, successfully establish the three pillar pension system.