The Institutional Analysis Of Endowment Insurance For Migrant Workers In China

Migrant worker is the product of the development of the times that has createdtremendous value for the state. At this time, the first generation of migrant workers hasbeen gradually into old age. But a large part of the Migrant workers who makecontribute to the Republic can not enjoy the results of the reform, and they can notreceive the pension. Migrant workers who have reached the retirement age still need torely on the hometown land and their children as their pension sources. This traditionalpension model is also difficult to adapt to a growing elderly population. And theincreasing price will reduce their life quality. Pension insurance can solve the problem,but such a valuable system get slow progress in reality. Migrant workers do not want toand can not join the pension insurance, and a lot of them cancel the insurance. This hasled to reflect on our system itself and system processes.The current system is difficult to protect the target group, which can be said theeffectiveness of the system. And the effectiveness exists on two levels, firstly, thesystem design level, it is still be insisted that is not suitable for the social development,but the things which can reflect the characteristics of the target group is not existed.System explore around enrich the style of old-age insurance system, while it hasbrought the difficulties of convergence of systems. Although the central research thesystem, and some initiatives helpful to solve the problem, there isn’t any specificoperation of the program. Secondly, it is the level of implementation of the system. As asystem of the main, migrant workers, businesses and local governments are unwilling toparticipate in the endowment insurance system for migrant workers due to the subjective and objective reasons. Management methods and techniques in theimplementation of the system are relatively backward. When the system of the maingets queries and dissatisfaction, there is lack of organization and channels on the issueof feedback the problem, so that the system is hard to be corrected.Elaborate on the problem and its causes, we find the part of the system which needto be amended. This amendment should not be a patch-like, but be the overall solutionfrom the basic to the content, which is an integrated system of endowment insurance. Atfirst, the institutional basis need to be adjusted and the migrant workers’ identity shouldbe to confirm. Their enjoy treatment has nothing to do with their household registration,and the only association is the identity of its enterprise workers, so that they can enjoythe rights of the old-age security. Secondly, we should base on the co-ordination andtransfer difficulty. By learning from the EU, we need to adjust the formula of thespecific treatment plan and calculation by the time and place when and where heworked. The country needs to make funds tilt on secondary distribution for the workersof the republic, especially low-income migrant workers so that even if they can not meetthe strict conditions of payment, they can also enjoy a certain percentage of endowmentinsurance. Thirdly, the system of propaganda is not only relying on the modern tools butalso enhancing the degree of experience of the migrant workers, which is to makepractical, directly or indirectly, to experience when enjoying the insurance, And localgovernments and enterprise can get identity on the system from income and socialhonor,. Fourthly, the traditional fund management innovation needs improving toincrease the yield of the fund and the technology hardware and personnel softwareconstruction of the Endowment Insurance for Migrant Workers needs strengthen,improving the effectiveness of the operation of the system. Fifthly, trough theorganization building for migrant workers, their views influence and sphere of influencecan be improved, to build a system of communication and complaint mechanisms. Weshould strengthen the third-party for the supervision of the system, to ensure the effective operation of the system. And this can efficient centralize the problem toprovide valuable first-hand information on the revision and development of the system.The study on endowment insurance system for migrant workers is distinctive bytime. Previous scholars have a full interpretation on the system model and makedifferent co-ordination plan different perspective. Although they have differentperspective, mostly they are relaying on the solving of the problem and notdeconstructing of system problem or reconstructing system. The article is mainly fromtwo aspects to be distinguished. Firstly, for the reconstruction of the institutional basis,which we should confirm the basic identity of migrant workers and strip the householdregistration system with the insurance system to reduce the sense of distance betweensocial groups. These give us strong reason, of support for endowment investment inprotection of migrant workers by government. Migrant workers, get governmentprotection, not for their identity, but for working to create value for the community. It isthe social structural factors that lead to their individual poverty and it is theresponsibility of the government. The identity of migrant workers is not directly linkedto their identification. They are the staff and workers on identity. Secondly, on the basisof the recognition of identity, we should analysis of all groups’ interests and ideas, inorder to find the system to meet the needs of system main groups. At the same time,when the system has been designed, the individual should allow practical experience tothe system so that the system can be accepted by more and more individual and therewill be forming the radiation effect of the system.System is closely related to the people. When we analysis system, we can notignore the role of people, but attach importance to the role. And precisely on such abasis, the article’s basic clue shows.