The Predicament Of?Supplementary Payment?for Old-Age Insurance Premium And Its Solution

Presidential Decree of the People’s Republic of China divides the old-age insurance into three main types according to the occupational types covering the group,and each type of old-age insurance is also different in setting up the principal liability of the premium payer.Under the influence of the state system,China’s old-age insurance system has strong mutual benefit,and as the key content of social insurance,pension insurance has been bearing important social security responsibility,play an important social pension function.However,China’s old-age insurance system started relatively late and has not yet formed a comprehensive and mature system,and the existing regulations are relatively loose and lack of systematicness.There are still many problems in the process of the current system implementation,among which the old-age insurance payment problem is the most serious.Accumulated achievement of the statutory requirement for the payment of the old-age insurance premium is one of the legal prerequisites for receiving the old-age insurance benefits.If the applicant does not meet the requirements,he or she will not be able to get the old-age insurance benefits in time.Hence,the problem of unpaid pension insurance premiums is an important obstacle to the timely collection of pension insurance benefits by the insured.In order to better realize the purpose and original intention of the old-age insurance system,the government of our country has put forward a number of regulations and measures to supplement old-age insurance premiums.However,different type old-age insurance expends responsibility main body is different,the reason that produces old-age insurance premium owes pay is different,old-age insurance premium makes up the nature of pay is different also,the condition that makes up pay old-age insurance premium is different naturally with program.The current old-age insurance system is not perfect,the old-age insurance payment system also has many defects,in the confirmation of labor relations,determine the premium rate,the division of the main responsibility of each department and the connection of the procedures of the payment,there are practical difficulties,seriously affecting the normal operation of the payment system.After the tax authorities took over the collection of social insurance premiums,the existing laws did not update the original provisions in time,so that the existing contradictions in the practice of supplementary payment were further intensified,making it more difficult for the supplementary payment system to play its due effectiveness.In view of the current and in the future of a long period of time,the construction and development of the old-age insurance system will inevitably occur in the process of old-age insurance premium arrears,in order to fully protect the interests of all parties,play the role of the old-age insurance system,old-age insurance premium make-up payment system is bound to need to strengthen.In view of the existing problems,the strengthening of old-age insurance payment system should start from the legal payment conditions,the unified rate standard,standardized procedures and other aspects of convergence and pay attention to the prevention and control of old-age insurance payment arrears risk,looking forward to solving the problem of old-age insurance payment from the source.In this paper,the author firstly explores the nature and orientation of old-age insurance premium payment,analyzes the contribution mode of different types of old-age insurance payment obligations and the reasons for the underpayment of premiums,and probes into the practical and legal significance of old-age insurance premium payment.Then,this paper analyzes the practical difficulties and causes of problems existing in the old-age insurance payment system,and summarizes several aspects that hinder the normal progress of the old-age insurance payment process.Finally,in view of the above aspects,this paper analyzes the countermeasures to strengthen the old-age insurance payment,and puts forward suggestions from the legal level and the institutional level respectively.It is expected to solve and prevent the problem of old-age insurance payment arrears from multiple perspectives,so as to effectively safeguard the interests of all parties and promote the sustainable development of the old-age insurance system.