The Study Of The Convergence Risk Of Social Endowment Insurance System And Mitigation Measures

Old-age insurance system as a social system with the characteristics of theory and policy, so theresearch on the endowment insurance system can theoretically study, also can study from the study of thepolicy level. But the theory research and policy research is often inseparable, the current research on theold-age insurance system is more around two aspects of research, just with different emphasis. socialendowment insurance system cohesion risk study includes both the two aspects of research, but to focuson policy research. Endowment insurance system interface should belong to the endowment insurancepolicy measures, but the introduction of the policy has its theoretical basis. Fair as a core concept of socialinsurance, as well as theoretical basis of pension insurance system research and development, in order torealize the fairness of the endowment insurance, endowment insurance system has experienced adevelopment process of the basic, wide coverage, in the process, Whitney characteristic is more and moreobvious, but it also brings some new problems, social endowment insurance system cohesion of the old-ageinsurance system has become the impact of pension rights and interests, in order to remedy the defects ofthe system, the corresponding policy measures have been introduced, cohesion measures introduced topension rights restored portability, all kinds of old-age insurance system can achieve convergence, butproblems still exist, it is the cohesion risk brought about by the system. From the system to the policy andfrom the policy to the system is a cycle, in this cycle, the evaluation of the system risk is particularlyimportant. At present, the development path of the old-age insurance system develop into a vicious spiralprocess, an important reason is the lack of overall policy consideration in the introduction, no riskassessment related to the current academic research. There are a lot of research on issues related to convergence, but the studies on the cohesion risk are relatively deficient, and study on the risk of cohesivesystem is by the endowment insurance system itself as the angle of view, With all kinds of endowmentinsurance system have been introduced, reasonable connection of various system becomes the key factor ofpension insurance system efficiency, the convergence of the old-age insurance system should also beresearched at a higher angle. To study the social endowment insurance system cohesion, based on socialinsurance, as a whole perspective, can analysis the risk in social pension system cohesion in the round. Therisk of social endowment insurance system cohesion is divided into cohesion outside the system andcohesion within the system.Cohesion outside the system analyzes the risk of cohesion between socialendowment insurance and other insurance project, mainly assumes the risk between the industrial injuryinsurance and unemployment insurance. Cohesion risk within the system analyzes the risk of all kinds ofsocial endowment insurance system cohesion between city and county and the basic old-age insurancesystem connection. From the overall perspective, convergence risk of social endowment insurance mainlyassumes double payment risk, transfer risk, operational risk and fund risk, these risks are caused by thesocial level and the system level. The reason from the society level mainly performance large flows of thepopulation, and the differences between regions, but the cause of the social level can not become the mainrisk reasons, the reasons for the system level is a major cause of risks. The reasons for the system levelmainly performance for lack of analysis of the overall system design and relationship, the cost to make upfor the lack of policy is huge, lots of risks also shows that the parameters of reform can not fundamentallysolve the problem, but the design of the system depends on such a path, which formed a paradox, thedeficiency of the system parameters need to be reform, but the reform has brought new parameters of theproblem, this paradox is unable to avoid. So to solve this problem, need to consider from the micro, mesoand macro level, the whole reform and parameter combination can balance the ideality and reality of the system. From the micro perspective, completes the system risk assessment system is the key, builds up theindex system of risk assessment to change the qualitative evaluation of the past, and combine qualitativeevaluation with quantitative evaluation, the combination can show the efficiency of system better, timelysolve the problems. From the meso level, need to improve the overall level of endowment insurance assoon as possible, the overall level of old-age insurance is an important cause of old-age insurance systemconvergence risks, one of the greatest consequences of low pooling level of pension is the pension fund,the fund can not carry out rational investment management, fund depreciation is hard to avoid, and theold-age insurance fund payment risk arose, so to improve the overall level of endowment insurance is thekey. But to avoid these risks from the fundamental, macro level should accelerate the top-level design ofendowment insurance, forming a multi-pillar pension system, and change the fragmentation situation ofsocial endowment insurance, when designing the system,should analysis the integrity and relevance of thesystem, realize the scientific and reasonable system.