The Basic Endowment Insurance For The Town Workers As A Whole The Obstacles And Countermeasures Research

At the end of the20th century china has entered the aging society, and then keepsustained and rapid growth of aging population. So we need to establish and perfectthe system of social endowment insurance, in order to cope with the challenge of theaging of the population reality and achieve the goal of universal "old time". However,the current social endowment insurance in China has already formed a preliminarysystem framework, but there are still many problems, low level as a whole is one ofthe highlights. The current endowment insurance has basically realize the provincialplan as a whole, but pay endowment insurance on a provincial level difference isbigger, difficult to plan as a whole adjusting between different provinces, becomingthe bottleneck of healthy and sustainable development of endowment insurancesystem in China. At present, our country has been the basic realization of provincialplan as a whole, but the level of provincial plan as a whole is still not very good toadapt to the rapid development of China’s economic and social, which is unfavorablefor the effective use of pension funds, a part of the province funds a large number ofsurplus, and some provinces have to rely on state aid, cannot leave the utilization rateof the pension fund to the maximum, hinders the development of China’s socialsecurity system is perfect, is not conducive to the people fully enjoy the achievementsof China’s economic development. Reform of the basic endowment insurance to planas a whole has been incorporated into the old-age insurance system reform agenda.Since the reform is wide, interlock needs to coordinate all aspects of the interestrelations, it still faces a lot of resistance and difficulties in implementation level.Based on the basic endowment insurance for town workers to plan as a whole systemand the analysis of the status quo and problems to conduct a comprehensive, clearfocus across the country as a whole from the provincial plan as a whole faces all sortsof obstacles, we put forward the implementation of the national overall scheme designand form a complete set of reform proposals.The full text is divided into seven chapters. The first chapter is the introductionsection. This chapter mainly elaborates the research background and significance of this article, and the national town worker is basic endowment insurance to plan as awhole the research status at home and abroad literature review.The second chapter is theoretical analysis part. This chapter on the connotationof the national worker endowment insurance to plan as a whole, on the basis of clearlydefined respectively from the social fair theory, division of intergovernmental fiscalfunction theory and the law of large number hard three viewpoints in this paper, thetheoretical basis of the reform of the national worker endowment insurance to plan asa whole in. The town worker is basic endowment insurance to plan as a whole"system","fund""management" and "technology" and so on multiple levels. Fromprovincial plan as a whole to rise to the national plan as a whole is not only beneficialto achieve social equity income distribution and optimization of the intergovernmentalfiscal function division of labor, but also to reduce the risk of insurance fundsoperation, ensure the safety of worker endowment insurance, sustainable operation.The third chapter and the fourth chapter is the empirical analysis part. In thissection of our country town worker is basic endowment insurance to plan as a wholelevel of change and on the basis of systematic analysis of the present situation andproblems of plan as a whole, mainly reveals the current problems in provincial plan asa whole system obstacles and implement the national plan as a whole. In the1980s,our country town enterprise worker is basic endowment insurance system for thecounty (city) level as a whole. By the end of2009, China has31provinces andxinjiang construction corps all completed the reform of provincial plan as a whole.Main problems of the provincial plan as a whole is the lack of a provincial pensionfund each other aid function and impacts upon the rational flow of labor force and notconducive to build fair competition market environment. Regional differencesbetween historical debt of primary endowment insurance; Offset responsibility notclear of the personal account empty account; Regional interests coordination; Thecurrent endowment insurance management system makes the local governmentfiercely independent.The emerging in view of the disadvantages of provincial plan as a whole,endowment insurance of the country as a whole is imperative. But the reform of the basic endowment insurance to plan as a whole will not be easy. As things stand,unbalanced regional economic development, regional differences between historicaldebt, of primary endowment insurance personal accounts of the empty account forresponsibility is not clear, hard to coordinate regional interests and endowmentinsurance management system of regional segmentation and fragmented is basicendowment insurance to plan as a whole of the country’s main obstacle factors. Thischapter separately from the system of unified, unified management, technology andpension fund operation unified to the four aspects, its core is the basic old-ageinsurance system in the nationwide unified specification and basic endowmentinsurance fund use across the country as a whole, finally realize the overallcoordination development of the national basic endowment insurance.The fifth chapter is the countermeasure analysis section. This chapter putsforward the implementation town worker is basic endowment insurance to plan as awhole of the country’s basic ideas and the necessary supporting measures. Promotethe reform of the national worker endowment insurance to plan as a whole, should notonly consider the worker endowment insurance system development demands fornational overall goal, also want to consider all aspects of the real obstacles,countermeasure scheme design. Based on target requirements and actual conditions,the town worker is basic endowment insurance to plan as a whole is difficult to carryout a one-off, appropriate USES "step-by-step" reform strategy, first to "part of thecountry as a whole" as transition mode, the point is on the system, management andtechnology all unified under the premise of parts as a whole fund shall be supervisedby the central unified scheduling, pay level provincial differences into consideration.After conditions are ripe, initially upgraded to "all across the country as a whole"mode, namely "system, management and technology" in early unification on the basisof the local pension funds as a whole according to certain proportion to the centralgovernment to pay all, basic pension standard (payment) is no longer considered aprovincial difference factors.Implement supporting measures of the town worker is basic endowmentinsurance to plan as a whole is increasing the central financial subsidies to economic less-developed region; Build history debt sharing mechanism, and graduallynarrowing the history debt; Set a reasonable pension increase mechanism; At theappropriate time delay retirement age; Control to retire ahead of schedule; Pushingforward the construction of the "Dr. Richard kimble project" to build the nationalworker endowment insurance to plan as a whole technology platform.