Study On The Problem Of Urban Old Age Insurance In China Under The Perspective Of Marx's Social Security Theory

The pension problem is that each person will face the problem,but also the national development process can not be avoided to solve well the old-age problem to maintain social stability,promote economic development and enhance fairness and justice and will play a certain role.introduction.Describes the background and significance of the research,research ideas and methods for the study of the status and the problems at home and abroad is summarized,and introduced the innovation of this study.The pension insurance is the most important part of the modern national social insurance system,and all countries in the world take the establishment of the pension insurance to deal with the problem of the old age,so our country is no exception.The Central Committee of the CPC Central Committee on deepening reform of the comprehensive deepening reform of several major issues of the eighteen plenary session of the Third Plenary Session: "to establish a more equitable and sustainable social security system." This shows that the Chinese government attaches great importance to the establishment of old-age insurance with Chinese characteristics.Since our country is the socialist system,the pension insurance must be based on Marx's social security thought..Marx although no systematic expounded his theory of social security,but his ideas on social security system for analysis of urban old-age insurance in our country at present is an important issue is we study the problem of the important guiding ideology.At the same time,the socialist state system with Chinese characteristics is the main body of the market economy,and the social security system of the developed countries,although it has a lot of common.Moreover,the social security system first established by the developed countries in the west,has gone through nearly two hundred years of history,so how to critical reference theory and practice experience of western social security and pension insurance is an important source of China's urban pension insurance research.Taking the Marx social security thought as the guide,taking the social security theory as the reference,and analyzing the problem of the urban old age insurance in our country is also the unique angle of view..Urban pension insurance in China since it was established in the early period after the founding of new China has nearly 60 years of history,planned economy period,the establishment of urban basic old-age insurance,protect the enterprise workers basic life level play great role.In order to adapt to the reform of the socialist market economy system,the government reform of urban pension insurance is carried out..However,due to the reform process did not pay the cost of restructuring,coupled with the aging of the population,resulting in the urban pension insurance into the pension payment crisis.Problems of urban old-age insurance in our country at present is mainly limited range did not reach wide coverage,low level of basic old-age insurance coverage;personal account empty account and there is no accumulation of pension;enterprise annuity slow development failed to become the basic old-age insurance powerful supplement;absence of commercial pensioninsurance to meet the different levels of endowment insurance needs to play a role;pension insurance fund regulatory confusion supervision and management work are by a department responsible for is not conducive to the management and operation of the pension fund;endowment insurance overall level is too low lead to pension insurance relationship between different regions difficult to transfer.In order to solve the above problems,we need to draw lessons from the experience of the reform of public pension insurance in foreign countries.Main reason of public pension reform is countries and high welfare pension payment gap,the main content of the reform is spending cuts and increased fee income and developing supplementary pension insurance,for the development of enterprise annuity in China with reference;Chile,Singapore and the new old-age insurance for the operation and management of China's personal account provides direction of reform.Through to draw foreign reform experiences,puts forward the suggestions: strengthening urban basic old-age insurance,vigorously promote the supplementary pension insurance development and further speed up the urban old-age insurance reform of the management system.Specific approach is through adopt flexible operation,simple and insured methods will be urban non regular workers into the scope of the basic old-age insurance,expand the coverage of basic old-age insurance;through the development of progressive extending retirement age policy appropriate to extend the retirement age to alleviate the pension payment pressure;cut off between the social pooling and individual account fund mutual seconded the contact and meticulous personal account to solve the problem of empty account;implement preferential tax policies to promote the development of enterprise annuity;step up publicity to promote the development of individual saving endowment insurance;establishment of independent pension fund supervision and management mechanism and improve the overall level of old-age insurance.