Town Enterprise Worker Endowment Insurance Problem Research In Qingshui

The basic content of enterprise pension insurance system in China including basicpension, enterprise annuity and personal savings pensions, insist on the coordinationwith economic and social development, highlight the fair efficiency of give attention totwo or morethings, countries give priority to the development of the market auxiliaryrule. Since established in1951, established the government, enterprise and workerindividual is collective burden of old-age security mechanism, and then established thesocial mutual assistance programs with personal accounts of part accumulation pensionsystem. The growing fund of primary endowment insurance coverage, strengthenmanagement, to fully fund personal old-age pension accounts has made significantachievements. Based on the theory of labor reproduction theory, state intervention,social product distribution theory and the theory of risk management theory of the bigfour, analyses the basic situation QinShuiXian economy, population, people’s living,study the QinShuiXian town enterprise to implement the basic endowment insurance.QinShuiXian the establishment of a unified system of basic old-age insurance forenterprise employees, expand coverage for endowment insurance work, full socialpension, and strengthen supervision and management of the endowment insurance fund.By the result of the200questionnaires and data analysis, summed up theQinShuiXian town business currently existing in the endowment insurance in therunning process narrow coverage, low level of treatment, supplementary pension issmall, it is long distance through difficult, difficult to fund their value. QinShuiXianlocal actual situation, analysis QinShuiXian town enterprise endowment insurance lagsbehind the cause of the problem. Local enterprise and worker ginseng protectconsciousness, slow economic development, small scale, large population structure andliquidity, single investment channel and so on factors influence the development ofQinShuiXian town enterprise endowment insurance.On the basis of empirical research and analysis, put forward specific measures toperfect QinShuiXian town enterprise pension system. Enhance the promotion of ginseng,from two aspects of worker and unit to further expand the QinShuiXian town workerendowment insurance coverage; Accelerate the development of QinShuiXian economiclevel, and gradually improve the company worker pay of provide for the aged; Drawlessons from foreign successful experience and the implementation of tax incentives, advance further development of QinShuiXian enterprise annuity; Strengthening themanagement of old-age insurance system, improve the endowment insurance to plan asa whole level, solve the long distance relationship through difficult; To fully fundpersonal old-age pension accounts, broaden financing channel, realize value-addedhedge funds; Perfect the relevant laws and regulations, advocate family pension andpersonal savings endowment, diversify old-age security.