Research On The Problems Of Social-Pension-Insurance Supplementary Payment In Dongguan

The last 30 years have seen Dongguan, who had launched the reform of socializing worker pension since 1984, gradually apply endowment to a variety of aspects, including different kinds of economy enterprises, individual businesses and all workers who get jobs flexibly. In addition, Dongguan has established a system, where social endowment insurance is in urban-rural integration. With the increasement of the coverage and treatment level of social endowment insurance, however, problems behind the scenes, which have existed for years, start to show up. With the increasingly severe effects of such problems, people focus more on their rights of social endowment insurance than any time before, where problems of supplementary payment, resulting from arrears, stands at the top of the list.The full text is divided into five parts. The first part is mainly elaborates this article selected topic origin and the research significance and the research methods and innovative points, and introduces the research status at home and abroad. Looking back at and carding the development history of social endowment insurance, we can see that the gradualness of the reform led to the fact that the endowment insurance hadn’t covered all the people involving since the beginning, leaving a large hole to fill up. Therefore, social individuals’ awareness of right protection urge that they should make a supplementary payment for the unpaid endowment insurance, pushing the government to face the bill generated along with the history. It is worth attention that the phenomenon of supplementary payment for social endowment insurance doesn’t exist only in Dongguan. Instead, it is a widespread historic problem.The second part is an overview of the definition of some of the main concept of this article and the related important theory. In this paper mainly use Marx’s Theory of Social Security to elaborate the subject of social security and the fund of social security. Using the Theory of Implicit Pension Debt to analysis the risk of social-pension-insurance supplementary payment.The third part is the research to the arising, main performance and development trend of the problems of social-pension-insurance supplementary payment in Dongguan. According to researches, we conclude that the problems are as below. First, methods to handle cases of supplementary payment are under debate, and labor disputes reflect the ambiguous border between management of labor relation and of social insurance. Second, appeals of supplementary payment often give rise to conflict of economy compensation between labor and management, because the policy is optional. Third, according to the Theory of Implicit Pension Debt, when we compute the implicit debts of people who make supplementary payments and those who buy insurances in normal ways, we can find that the accumulation time of the former is shorter than that of the latter. This means that the first kind of people will suffer more debts than the second kind in the future, with the policy being applied, and the difference will grow along with the payment age of pension. The Marx’s Theory of Social Security points out that we should limit the scale of supplementary payment, otherwise the reform of insurance policy development will be affected, and the steadiness of politics and social management will be at risk. Last, as the current policy of supplementary payment for endowment insurance has no control on economic compensation negotiation, not enough evaluation on the effect of itself and lacks equity, it cannot properly deal with dispute of supplementary payment. On the contrary, large scale of supplementary payment appeals may be brought up, which does harm to the development of social and economy.The fourth part is the analysis of the causes of the problems of social-pension-insurance supplementary payment in Dongguan. This paper analyzes the causes through history, system, reality as well as other aspects. First, China’s social pension insurance system has been built since the early 90’s of last century. Actually, due to the concept of positioning in the development, social endowment insurance gave way to the economic growth which led to the later formation of the widespread coverage of the security system. Meanwhile, the ingrained traditional concept of retirement is still making a big difference because of the cultivation of insurance concept without a nice social environment. Second, not only fragmentation of the endowment insurance system but also urban-rural design, which formed the system obstacle of insurance relationship transfer, resulted in ineffective connection of the insured person’s endowment insurance rights and interests and making reform of system difficult. Refund policy for ages exacerbated the damage of accumulation of endowment insurance. Thus, it increases worker’s expectations to supplementary payment. Last, the social pension is facing a serious situation, coupled with the endowment insurance treatment having a continuous rapid growth in recent years, which drew people’s attention to the self-rights-and-interests of endowment insurance. It is administrative relief that caused the long-term deposition of the infringement of endowment insurance, which impels the appeal of supplementary payment more strongly.The fifth part is the countermeasures to solve the problems of social-pension-insurance supplementary payment in Dongguan. Focusing on the performance and reason of supplementary social-pension-insurance payment in Dongguan, this paper raises some solutions. First, the problem of supplementary payment was obvious the government’s duty since the problem was social survival problem in the duration of reforming and practice. So the government should make fiscal budget plan, making itself at all levels concerned about the payment proportion. What’s more, the authorities should set up social-pension-insurance system for those who have retired without pension insurance. Second, reform and perfect the social insurance system, integrate urban and rural endowment insurance, fix the fragmentation of the system, optimize the transfers and successions for insurance concern and improve endowment insurance treatment incentive effect. In the meantime, the lower limit of private wage exemption is set to make sure that the basic survival of low income groups will not affected by insurance payment. Third, Enlarge social propaganda and increase supervision against illegal activities. Social insurance agencies need to improve the capacity in the services sector, creating a good environment for insurance and continuously extend the endowment insurance. Last, face up to historical problems and perfect the social endowment insurance tax policy. Pay attention to the payment in a historical division, unified limited tax policy and clear historical problems of supplementary payment together. Standardize the general illegal payment behavior so that avoiding tax policy has a significant effect on the social endowment insurance system and social economy.