Research On The Pension Insurance For Employees Of Urban Enterprises In Counties Under The Direct Management Of The Province

As a county directly under the control of Henan Province,Luyi County enjoys the support of various policies of the Henan Provincial Government and has a strong development potential.With the development of industrial chain and industrial cluster in Luyi County,the number of large and medium-sized enterprises is increasing year by year,the number of employees is increasing,and the basic endowment insurance for employees is developing rapidly.Through the guidance and efforts of the Luyi County Government,the enterprise endowment insurance has made certain achievements,and the number of insured personnel has shown a steady upward trend;the level of pension has increased year by year;the government has also strengthened the management of the fund under the condition of ensuring the safety of the fund;at the same time,the service capacity of the relevant personnel has been strengthened.However,due to the aggravation of the aging population,frequent labor mobility,and the reduction of social security premium rate,the basic pension insurance for employees in Luyi County also shows some problems in its actual operation.After analyzing the data related to the basic pension insurance for the employees of enterprises in Luyi County,we find that there are some prominent problems in the basic pension insurance for the employees of enterprises in Luyi County,such as the low participation rate of enterprises,the increasing number of people who have broken the insurance,the serious gap between the income and expenditure of the pension fund,and the difficulty in the continuation of the pension insurance relationship among the migrant employees across regions.Therefore,in the context of the current population aging and the reduction of the pension insurance premium rate,Luyi County is facing the test of sustainable development of basic pension insurance for employees of enterprises.According to these problems,this paper puts forward some countermeasures to further improve the enterprise endowment insurance system.On the one hand,we should do a good job in protecting the rights and interests of employees in the restructuring of enterprises.With the help of propaganda of social insurance policy,we should provide social insurance awareness of the public,especially to enhance the awareness of the people who have been out of insurance to renew their insurance on their own initiative.On the other hand,the government should carry out a strong supervision of enterprises' participation in insurance.Make full use of their own advantages and resources to help enterprises develop and drive the local economy to take off,thus raising the local average wage level to a new height.Finally,it is suggested to implement the retirement age delay scheme,increase the scale of fund investment,and promote the development of enterprise annuity system as a supplement to basic old-age insurance.