Study On The Difficulties And Countermeasures Of The Innovation Of Old-age Insurance System In Governments And Institutions

After the Third Plenary Session of the 12 th CPC Central Committee,the state promoted the basic old-age insurance for enterprise employees.Enterprises and employees are required to pay basic old-age insurance premiums every month,and reach the prescribed retirement age.In accordance with national regulations,they can enjoy pension benefits on a monthly basis.However,employees of government departments and public institutions do not need to pay fees.After reaching the retirement age stipulated in the document,the retirement expenses are directly paid to the unit by the financial department,and the unit is paid to the individual.This has formed two different “dual-track” pension models between government institutions and enterprises.The "dual-track" retirement system has always been criticized by the outside world.The "dual track system" has not only hindered the rational flow and effective allocation of human resources between different systems,but also widened the poor retirement treatment between different social groups,causing a larger The social contradictions,the call for social justice in the society is getting higher.Since 1990,28 provinces and cities such as Sichuan,Hebei,and Shanxi have piloted the innovation of the old-age insurance system for government departments and public institutions.However,due to the lack of overall design and lack of uniformity and standardization,the system has not changed the “dual track system”.mode.In January 2015,the State Council issued Document No.2,which unified the purpose of the innovation,the principle of implementation,the scope of payment,the method of payment,and the method of payment and treatment,and proposed the establishment of an occupational pension system,which is the pension system for government departments and public institutions.In March 2015,the People's Government of Sichuan Province issued Document No.16 which stipulated that provincial and institutional endowment insurance should be implemented at the provincial level,further enhancing the uniformity and standardization of policies.In September 2016,the in-service personnel and retirees of the government departments and public institutions in the province were included in the information system for the pension insurance management of the Sichuan Provincial Department of Social Affairs.The units and employees paid monthly basic pension insurance fees and occupational annuity fees.In October 2016,the retirement benefits of all retirees of government departments and public institutions were issued by the basic pension insurance fund,marking the official launch of the innovation policy.With the continuous deepening of innovations,some new problems have gradually emerged,and it is urgent to investigate and study effective countermeasures.This paper uses learning literature,research cases,summarization and other methods to begin from the actual innovation of the old-age insurance system in China's government departments and public institutions.Taking the Y district of Sichuan Province as an example,it analyzes the history,process and status quo of the old-age insurance system innovation of institutions and institutions.Some of the existing units have long-term arrears,the "Chinese people" payment period is difficult to identify,the financial pressure is high,the occupational annuity has triggered a new "dual track system",the old-age treatment is frequent,and the occupational annuity has not been value-added.The problems caused by the high rate of payment,the difficulty in verifying historical data,the conversion to high cost,the slow progress of enterprise annuity,the delay in death declaration and the imperfect occupational annuity policy were raised.In response to the innovation issue,the paper puts forward countermeasures to gradually reduce the rate,introduce the policy of subsidy,strengthen the supervision of the fund,promote the development of enterprise annuity,strengthen the data sharing and establish a survival authentication mechanism,and solve the innovation of the individual pension system of the agency.