| Unemployment insurance is a part of in social security system, a way toresolve the risk of unemployment and a tool to management effective demand bygovernments. Reviewed Guangxi’s unemployment insurance development, authorfound four problems. Firstly, insurance rate has fallen. Secondly, high risk groupshave not fully been accepted by the system. Thirdly, there is a gap between citiesand counties in the developments of insurance. At last, the system is lack ofexcitation mechanism. To a person who has not have insurance, the questionnairesurvey shows some factors can signally effect labor’s insurance demand, includingpersonal educational attainment, personal comprehension level about the policiesand the ability of re-employment. There are various factors leading to thereproblems. On system aspect, the problem is due to defective design in system,inadequate supervision mechanism and lagging informatization. On employeraspect, the main reasons include additional enterprise cost and the lack of incentivemechanism. On employee aspect, both the lack of comprehension about currentpolicies and irrational insurance benefit rules have affected the enthusiasm thatlabor join in the insurance program. Therefore, Guangxi should redefine objectivegroups of the insurance program, and should introduce nominal individual account.For insufficient incentive mechanism, Guangxi can execute floating tax rate. At thesame time, reforming the rule of insurance benefit is essential. As the supportingmeasures, it still needs to improve the supervision, to speed up the informatizationand to increase propaganda about the policies. |
