Study On The Reform Of Endowment Insurance System In Institutions Under The Background Of Merging

Endowment insurance reform is the focus of people’s attention on social security in recent years.The endowment insurance system of enterprise workers has experienced 20 years of reform and development,formed a relatively organized endowment insurance system mode,to meet the needs of the development of China’s market economy system.However,the reform of the endowment system of public institutions progresses slowly,always covered with a sense of welfare.The reform and development of the endowment system of public institutions has always come behind the endowment insurance system.The different endowment rights and interests between different occupations will finally result in an unfair situation after retirement,forming ‘double-track system of endowment insurance’.With the economic and social development,the growing gap of individual income has exposed the disadvantages of the double-track system,finally led to a series of social problems and do harm to the social stability.Throughout the country in 2015,the state council decided to start the authority institution endowment insurance reform,make clear a regulation authority institution staff since October 2014,people began to pay endowment insurance.The research on the reform of the pension system in the institution and institution is conducive to improving China’s old-age insurance system,which is conducive to the realization of social equity.Based on this background,in this paper,problems of the endowment insurance system reform of pension insurance institutions were studied problems arising from discrete old-age insurance system in government institutions and enterprises of,drawing on a wide range of scholars and experts preliminary study and field investigation and study foundation,based on the angle of the unification of the pension,through using the method of comparative analysis,reviewed the institutions endowment insurance system development history,analysis of the reasons for the formation of double track system,and points out both organs and institutions and the enterprise old-age insurance system have negative influence.Because of the reform and development of pension system in government institutions,the pension insurance system has lagged behind,resulting in a large difference between the two systems,which led to a series of social problems.Two system merger is an inevitable trend in the development and reform of endowment insurance system.Then taking Jiaxing as an example,combing the institutions endowment insurance reform process in the existing problems,such as financial pressure too,the development of occupational pension and perfection,individual account value problem such as,and analyzes the causes of the above problems,found is mainly due to the fact that benefit barriers restricting the reform to advance,the enterprise pension insurance system of pension insurance institutions and institutions reform of control,and in view of the above questions to explore the optimal path of reform,the reform put forward some specific policy recommendations.