The Study Of Army Insurance System Reform In China

With the development of the system of Chinese army insurance for more than six-year, the army insurance with Chinese special features has been already established now. However, through the deep deformation of national social security system, the practice of pushing army modernization forward and war preparation, the changes of environment in which army insurance system is put into effect, the army insurance system also faces the question that how to develop and create further. The object of this thesis is to provide the policy-deciding department with the complete project about deforming the army insurance system, by analyzing the theories of army insurance system deformation and creativeness, and to accelerate the process of making the solders'insurance system perfect and sound. The key limitations of Chinese army insurance system are that fixing position to system is not clear and definite, and setting categories of insurance is not complete, and setting insurance level is comparatively low, and management efficient is not high. And put great emphasis on analyzing the deep level reasons that lead to the system defects, which are include the inertial of system practice, the influence of department benefits, the influence of government financial power, and the problems of insuring consciousness. It is the important point of army insurance system creativeness to establish comparatively independent and complete insurance categories. But the difficulty is that army insurance system not only embody the career treats and need of army construction, but also can link up with local social security. In terms of the environment of Chinese army insurance construction, spontaneous and gradual development of inductive change can not adapt to the urgency and unify which is inter requests of army insurance system construction. So we can only choose compulsive changes as main way. Although the compulsive change offered by nation will influence the system effectiveness by itself, which include hobby and limit reason of government, rigidity of consciousness appearance, conflict of group benefits, and the influence resulting from limit social science on quality of system supplying. But during measuring and comparing the two ways, compulsive systematic changes should be the best mode of recent reform of army insurance system in China. Combining with the whole army tenth-five-year program undertaken by author recently, Analysis of Construction of Armyman's Pension System with Chinese Treats, the thesis from the whole and part aspects, completely analyzes and studies the theoretical base and the whole thinking ways and methods of creativeness of Chinese army insurance system. The recent objective of army insurance system innovation is to make use of existing army insurance system framework and add security items so as to increase the security level. The far aim is to build up the army insurance system of collecting funds in many ways, ensuring in many gradations, corresponding rights with duties, managing and servicing through societies. The thesis presents the idea of establishing the army pension system of combining overall planning with individual account. The payment mode of army pension should accord with Defined Benefits in order to ensure that insurants get pension according to the previous substitute ratio. The enforcement of armyman's pension must be carried out dominately by government and the nation must be charged with a majority of funds. If the payment crisis happens, the government must support the enforcement of army pension. Through the analysis of the system changing cost of armyman's pension is analyzed quantitatively, figure out the whole cost of armyman's pension system changing about 407000 million yuan. The thesis proposes that the relation between army insurance and social insurance is parallel development. So it is much necessary to establish the system mechanism of harmonious development between army insurance and social insurance. The following points should be done in order to link up army insurance and social insurance: i) trying to agree with the management system and set up the mechanism which is fit to social insurance; ii) the enforcement of the army insurance funds must be ruled by law and regulations; iii) the payment standard must be controlled in suitable level.