Researching On The Legal Issues Of China's Endowment Insurance Fund Supervision

With the growing aging of population in the world.The endowment insurance system is an important subject that scholars all over the world are paying attention to and deliberate in depth.The endowment insurance fund is the key to the endowment insurance system.The supervision and management of the endowment insurance fund is an important prerequisite for maintaining the stability of the fund.The content of this article is related to the vital interests of the members of the society and the daily life of every family.It plays an important role in maintaining social stability and promoting economic development.In recent years,the problems of China's endowment insurance funds are not uncommon.For example,the case of Shanghai Social Security Fund,the case of Harbin A Cheng District Social Security Bureau lent 9.18 million yuan to the company for liquidity and security interest.These phenomena indicate that the existing fund supervision system in our country has many disadvantages.The root of these problems is that our country's legal provisions in this field are incomplete.The current laws and regulations do not effectively regulate all aspects of the operation of the insurance fund,so that the effectiveness of supervision is greatly reduced.In addition,China's endowment insurance fund has some unreasonable problems,such as unreasonable supervision mechanism,no independent supervision organ,and lack of information and transparency.In order to ensure the steady development of the endowment insurance system,improve the supervision system of the endowment insurance fund and improve the laws and regulations of the supervision and management fund,it has important theoretical and practical significance.This paper applies the theories of law,economics,social insurance and so on.It combines theory with practice,value analysis,comparative analysis and interdisciplinary analysis.At the same time,we draw lessons from Singapore,the United States,Germany and Chile's endowment insurance fund regulation mode,combined with the new era of China's national conditions,and give corresponding suggestions for improvement.First of all,at the legal level,we should speed up the legislation system and rules of pension insurance fund by speeding up the special legislation of the supervision and management of pension insurance and improving the existing laws.Secondly,we should improve the supervision system of endowment insurance fund,set up a special organization for fund supervision,and employ third party members to independently supervise and manage the endowment insurance fund.Third,we should establish a diversified pension fund regulatory approach,the introduction of pension insurance fund information disclosure methods,the establishment of network information service platform,the pension insurance fund data to the public in a timely manner,the formation of regulatory linkage mechanism.It aims to improve China's pension insurance fund supervision system and make supervision more scientific and effective.