A Study On The Problem Of Expropriation And Expenditure Of Urban Workers' Endowment Insurance

The amount of the population of Yinchuan city is not too large, population mobility is not very strong, people who pay endowment insurance in each insured unit is more stable than the developed area of our country, the phenomenon about increase or decrease suddenly for insured because of the seasonal surge in the number of employment and other reasons will not occur. But the endowment insurance policy and management model is better than other place in our country. So it is often chosen as the pilot of the new endowment insurance policy. Research on financial problems of endowment insurance for urban workers and according to experience recommendations can feasibility guide the practice about effective management of arrears evasion problem on pension.In this paper, first of all, combined with the way of qualitative analysis and quantitative analysis, with the arrears of endowment insurance premium evasion is presented in the process, through the real and actual payment arrears evasion statistics analysis of Yinchuan in recent years as an example, based on the pay is not real, avoid insurance rates, the number of insured, or delay time of payment, by means of data comparison to describe the arrearage unit number and the amount of arrears is increasing year by year the magnitude of, clear enterprise especially the private sector arrears evasion volume growth too fast. Secondly, analyze negative influence on all the arrears evasion from the system, enterprises and employees three party, insurance expansion makes a wide coverage of the endowment insurance for urban workers, if the arrears evasion continues to expand the scale, not only affects the fund balance of payments, undermine the sustainability of the pension system, but also on compliance or illegal payment of corporate and have the advantage or lack of advantage of the employment of the labor market to produce unfair competition, may even reduce the standard of treatment, workers pay for enterprises and other serious damage to the legitimate rights and interests of workers. Again, according to the performance combined with the literature to analyze the essential reasons of endowment insurance evasion arrears from the source, the design and implementation of the policy of insufficient arrears evasion behavior fundamentally prompted the breeding, the design of the minimum payment period and high rate causes a large number of broken protection, abandoned the phenomenon, information asymmetry makes the unit self reporting arrears evasion is not easy to detect, low overall level is not conducive to the strong mobility of workers to pay the insurance, lack of government economic slack supervision and incentive mechanism of the enterprise arrears evasion idea initiation, some enterprises in order to reduce costs, or the misunderstanding of intentional non payment or delay in payment of endowment insurance, some enterprises is indeed poor efficiency and unable to fulfill payment obligations timely, the workers because of cognition, employment pressure, low income real arrears evasion. Finally, combined with the experience of handling the opinions of the scholars for more in-depth summary and update, proposed in the handling system and level appropriate to reduce rates, improve financial support, transparent information, improve the overall level, change the reporting methods, strengthen the punishment, in the guide and inspire to strengthen policy advocacy, incentive pay normal enterprise, the standard processing arrears evasion enterprises, help small and medium-sized enterprises, train low skilled workers, enhance the awareness of workers rights, and reduce the flexible employment payment standard. In the implementation of supervision to strengthen audit team, strengthen labor supervision, public disclosure of data, instead of regular to solve the problem.