Small And Medium-sized Enterprise Employees Social Insurance Problems And Countermeasures Research

With the constant improvement of market economy, small and medium-sized enterprise obtained the rapid development, small and medium-sized enterprises (smes) account for90%of all enterprises, and has become an important part of our country’s economy. Small and medium-sized enterprise employees full participation in social insurance, which not only embodies the social equity and superiority, and fundamentally resolved in workers should enjoy all the rights of the insurance benefits. As the aging population of our country in recent years increasing, enterprise retirees increases, enterprise basic endowment insurance fund income gap is gradually expanding, corporate social insurance fund support dynamics is thin. From a macro point of view, growing small and medium-sized enterprise employees and the task of social insurance coverage is imminent, expand coverage for ginseng has become the basis of perfect social insurance system, not only is the only way to continuously strengthen the social security fund, is the smooth implementation of the guarantee of social security treatment.And W city, small and medium-sized enterprises of our country by clear covering social insurance ginseng protect the status quo, analyzes the five insurances (pension, medical treatment, industrial injury, unemployment and maternity) coverage of content, including the number of ginseng, fund income and expenditure, the accumulative fund balance. Through the analysis of small and medium-sized enterprise employees join the main problems and causes existed in the study of problems existing in the expand coverage for social insurance, and comprehensively summarizes the expansion of small and medium-sized enterprise social insurance coverage of the main measures and policy Suggestions, according to the actual situation of enterprises and employees, establish flexible payment mechanism; Reduce the base of social insurance capture to expend scale, make small and medium-sized enterprises realize wide coverage of low threshold to expend; Establish a multi-level, diversified social insurance system; Increase the intensity of social insurance audit corrective; Further play to the functions of departments, strengthen propaganda of social insurance, strengthening business innovation and the improvement of service quality, explore the social security fund collects pay online management mode, etc. Increasing financial support and personnel input, strengthen the organization of social security and management ability, increase fiscal spending on social insurance. Combine the basic situation of the social insurance of the specific policy comparison research, points out the social insurance covering in raising difficult problem, at the same time discusses the government in small and medium-sized enterprises in the field of social. And W city, small and medium-sized enterprises of our country by clear covering social insurance ginseng protect the status quo, analyzes the five insurances (pension, medical treatment, industrial injury, unemployment and maternity) coverage of content, including the number of ginseng, fund income and expenditure, the accumulative fund balance. Through the analysis of small and medium-sized enterprise employees join the main problems and causes existed in the study of problems existing in the expand coverage for social insurance, and comprehensively summarizes the expansion of small and medium-sized enterprise social insurance coverage of the main measures and policy Suggestions, according to the actual situation of enterprises and employees, establish flexible payment mechanism; Reduce the base of social insurance capture to expend scale, make small and medium-sized enterprises realize wide coverage of low threshold to expend; Establish a multi-level, diversified social insurance system; Increase the intensity of social insurance audit corrective; Further play to the functions of departments, strengthen propaganda of social insurance, strengthening business innovation and the improvement of service quality, explore the social security fund collects pay online management mode, etc. Increasing financial support and personnel input, strengthen the organization of social security and management ability, increase fiscal spending on social insurance. Combine the basic situation of the social insurance of the specific policy comparison research, points out the social insurance covering in raising difficult problem, at the same time discusses the government in small and medium-sized enterprises in the field of social.