Research About The National Unified Plan Of Endowment Insurance Of Chinese Enterprise Employees

In the past half century of the development, the basic endowment insurance of ChineseEnterprise staff experience several times of large change. From the initial stage of new Chinato the period of Cultural Revolution, it gradually by the national plan back to businessinsurance. Finally the “account combined system” was emerged and the unified planning atprovincial level was gradually established. In the process, it has been modified and perfectedovercome many difficulties. At present, the system still has some shortcomings, and it alsoleads to a lot of new social and economic problems. One of the main aspects is the level ofprimary endowment insurance is too low, so that can not play its mutual aid, risk sharingfunction. It needs to improve the overall level to national coordinating to solve.China’s regional economic differences led to a huge gap in the endowment insurancebase and speed of development. And because of the limit of low level of primary endowmentinsurance, the different regional resistance risk ability and old-age pension security level haveapparently differences. It violated the basic principle of justice in social insurance. At thesame time, geographical differences not only limited the labor mobility in the national scope,but also violated market economy competition principle. And it not only blocked thedevelopment of market economy in our country, but also against the formation of a unifiednational labor market. So it is necessary to explore the national overall of basic endowmentinsurance.The paper firstly reviews the concept and definition of the basic endowment insuranceand the overall level. Then through the analysis of the basic elements, connotation andinstitutional ethics to a correct view of endowment insurance the meaning of existence and thedevelopment direction. And then analysis the basic endowment insurance level and enhancethe overall level. According to the existing condition and choose the reasonable designscheme. Finally, put forward some specific policy for China’s basic endowment insurancelevel promotion guidance.