The Study Of The Standardization For Endowment Insurance In China

Elderly is always a very important group in China. Elderly problemhas a lot of deep impacts on all aspects of social economy such as thenational economy, social development, social stability, social harmony,and even happy family life of each of us.The endowment insurance plays a significant role in the life of oldpeople, and endowment insurance affects the quality of life of old peoplein Their Twilight Years. China’s endowment insurance is in the process ofdevelopment of progress. The coverage of endowment insurance isgradually expanding and the level of endowment insurance is alsoimproved. While there are so many malpractices coming out as thatChina’s aging population to speed up and older population increaseseriously. For example, for the government, administrative behaviors ofthe government department for administrative deployment are so differentbecause of no clear legal norms, and their behaviors are veryadministrative, and the sound laws, strong administrative and legislationcan’t keep up with the actual needs hindered the development of China’sendowment insurance system seriously. For the participants, there is alsoa need to further improve the coverage of endowment insurance andfurther improve the administrative levels of group who attend theendowment insurance. Although Chinese legal basic endowmentinsurance has already cover the public institution, enterprise worker andurban residents, the departments of paying, standards of management andstandards of paying are different. The endowment insurance system hasdifferent ideas with the perfect one in our mind. In the whole operation, there is a lack of unity between power and obligations. Due to the lack ofthe system designing and clear independent policy, the government takesmore care of every point of people within range of the policy and takeless care of people without range of the policy, financial burden isoverweight, fiscal deficit is serious, people within the system could enjoythe rights of the endowment insurance but may not to fulfill theobligations and people without the system fulfill the obligation of payingtax but may not have the right to enjoy the treatment and service ofendowment insurance, and eventually form the factors of socialunfairness and unstable. As the same time, Chinese endowment insuranceis facing any other serious problems such low level of overall planningand the way of capital operation is single, what are no benefit to thereasonable configuration of human resources, and even harmful to thenational economic and the development of the society progress.All above phenomenon reflect the present situation of that Chineseendowment insurance need to progress. There are so many sides ofreasons besides of economy, social and culture in China and there is a keyreason that Chinese endowment insurance has a lack of unified standardsystem. No matter for of service, technology, management and work,there is also lack of a standard system which could be used to dealproblems that happening at present or in the future well and could beused time and again. Such a situation causes that some work has no rulesto abide by, the responsibility of each department could not be clear,work is not only overlapping but also not comprehensive, work efficiencycould not be raised effectively, and human resources can not get the bestconfiguration. The application, payment and the way to get theendowment insurance gold for people who attend it is so complex that theproject which should be benefit for people but virtually add unnecessarytrouble for old people unconsciously. On the other mind, lacking of standard system has increased the maneuverability of human and thehuman space on its own discretion, so that there are exists holes inendowment insurance system of a certain degree objectively and may bean important factors of the formation of the moral risk.So China should realize the endowment insurance standardization,train standardized professionals, make service standards, technicalstandard and management standard and working standard according toChinese situation to less the work load and financial burden ofgovernment, improve work efficiency, reduce work error, control moralrisk, improve the quality of service for endowment insurance, guaranteethe symmetry of information and the flow of talent, and then promotesocial justice, economic development and social progress. Endowmentinsurance in our country is in its standardization process. This paper willresearch the situation of endowment insurance at present in China andsome European countries, reference for the related theory of domestic andinternational scholars, analysis the necessary and feasibility of Chineseendowment insurance standardization, and put forward the correspondingcountermeasures and suggestions to help Chinese endowment insurancestandardization smoothly.