Endowment Insurance System Integration Research

Endowment insurance is an important part of social security system, five major types of social insurance is the most important one of the insurance, relates to every social member’s developed country Germany, Britain, the United States, in the early nineteenth Century on the establishment of the system of social endowment insurance, old-age insurance system in our country was built in the early nineteen fifties, but the establishment of the old-age insurance system has experienced many twists and turns, until80years after gradually established by the state, enterprises and individuals share the burden of the pension insurance mode.Kunming city enterprise workers’ basic old-age insurance system from the beginning of1987, in1995October established unifying the individual account of pension insurance, the enterprise and staff pay, state financial aid funding policies; to establish a social pooling and individual account combined system.With the development of society, the pension insurance system of single cannot meet the social groups demand, and gradually established a system of rural endowment insurance, the new rural endowment insurance system of urban endowment insurance system, the multi-level old-age insurance system.But a variety of endowment insurance system by different agencies handling operation, resulting in a lot of system convergence problem and contradiction.This thesis is aimed at a variety of endowment insurance system by different agencies operating problems, with Kunming city the current endowment insurance system as the research object, from the angle of strategic management analysis, through the multiple system operating both inside and outside the condition undertakes an analysis, evaluate the opportunities and threats, advantages and disadvantages, clear endowment insurance system development direction.The scientific method of analysis, found the problems existing in the system and the defects, a variety of system between the lack of excessive and articulation, ginseng protect personnel easy to repeat repeat insured, insured the endowment insurance cannot merge, retirement benefits cannot be accurately calculated and so on the question, proposed the solution to the problem of old-age insurance in the city of Kunming the development direction henceforth is endowment insurance system integration construction.In the formation of a unified system frame, let the multi-level old-age insurance coexist, mutual between can effectively convert and cohesion, the elimination of multiple agencies each running defects, effectively saving resource, improve the efficiency of.The research is based on the author in the social security agencies work more than10years of practical experience, combined with scientific theory study after applying the theory to analyze the research conclusion, hopes that this dissertation research to units of development and Kunming city endowment insurance system’s development has a certain reference value and draw lessons from a meaning.