Multi-Pillar Perspective Of Our Country Urban Worker Basic Old Insurance Covering Policy Research

Urban worker basic old insurance system plays an important role in the protection of retirees living, social stability,and building a harmonious society. By the end of 2014, the number of urban worker basic old insurance participants for 341.24 million people, the coverage rate of urban worker basic old insurance system reached 64.95%. With the acceleration of urbanization process, population aging, as well as the urban private rapid economic development in China, there will be a large number of enterprise employees, the personnel of flexible obtain employment, individual worker, migrant workers and other groups. These groups need to corresponding old-age insurance system to ensure the basic life in his later years. Enlarging the coverage of urban worker who will be suitable to crowd into the urban basic old insurance system is in need to establish and develop the system, and the party and the government attaches great importance to the people's livelihood and safeguard workers social rights.In order to expand coverage for system, the key is to define urban worker basic old insurance system coverage target and range, which make different people to join the appropriate insurance system. Urban and rural residents endowment insurance, urban worker basic old insurance as well as the enterprise complement endowment insurance and so on three specific functions of different security system should be? Urban worker basic old insurance covering what principles should be insisted on? What are the problems existing on covering policy? This is the research contents of this paper. This paper mainly by the method of desirability and comparative. Firstly, based on the multi-pillar theory, defining the urban worker basic old insurance system main functions, on the basis of system function orientation and sorting, from macro to specific sums up our urban worker basic old insurance covering policy. It should adhere to the scientific nature and the insufficiency, fund system of sustainable development, an actuarial balance and according to the payment ability to selectively on covering principles, etc. Secondly, combing our country urban worker basic old insurance system covering policies and the effect of its implementation. Again, according to the standard of "timely and full payment". I try to analysis covering policy problems in view of the multi-pillar theory, such as coverage to define the standard is not clear, the rate of different provinces and all kinds of people are not unified, deviation of policy implementation, and a high base and pay cost to individual personnel of flexible obtain employment, allowing the one-time payment of the expansion policy is not conducive to smooth system function of income in different periods. Finally, I try to put forward suggestions to the improvement of our country town worker basic old insurance system covering policy clear system function and cooperate between multi-pillar insurance system; with "timely and full payment" as a screening criteria of the system to protect target population; all regions and all kinds of personnel gradually unified payment rate; reform of social security agency covering performance evaluation indicator; adjust the expansion policy, encourage continue to pay cost.