An Analysis On Deepening The Reforms Of The Endowment Insurance System Of Our Government Organizations And Institutions In China

The endowment insurance system of the government public institutions is an important component of the whole social security system. The lagging of the endowment insurance system of the government public institutions, has not merely influenced the development and completion of the whole social security system, has restricted the forming of the nationwide unified labour market, but has aggravated the national financial burden, has hindered the construction of the socialist harmonious society. The purpose of this text, through explaining the analysis of the necessity which deepens the endowment insurance system reform of the government public institutions, lies in improving the understanding of the social importance and impendency of deepening the endowment insurance system reform of the government public institutions.The principle and goal mode of the reform must be defined in the endowment insurance system reform of the government public institutions. Following the analysis of four system modes of the endowment insurance system in the world, this text proposes that our country should absorb every advantage of modes fully in order to choose a new mode which contains the advantages of three new-type modes, which is partial accumulation , forced saving and insure subsidy. This is not only the goal what we achieve in studying the foreign endowment insurance systems and absorbing and drawing lessons from, but also the necessity of establishing new-type endowment insurance system according to the real situation of our country. The combination of unified social adjustment and personal account is considered as the social mode of the reform of the endowment insurance system of the government public institutions which is the requirement of that our country establishes the system of social security of the unity , as well as reveals the features of the government public institutions, The purpose of making a study of exploration to the endowment insurance system of the government public institutions, is to expect that the goal of our reform can be defined in the society, and the direction of main emphasis can be found.The concrete thinking method, countermeasure and suggestion of reaching a mode goal should be chosen after confirming the goal mode. This text explains the concrete thinking method and countermeasure and suggestion as following: unify decision and making further order of the management system; set up independent endowment insurance administrative system, explore the method and approach combined with capital market; accelerate the legislation of social insurance, make the endowment insurance system of the government public institutions get onto the track of legal system; solve the link up problemof the old and the new endowment insurance system and handle link up problems between the endowment insurance and the enterprise endowment insurance system.The difficult point that the endowment insurance system reform of the government public institutions faces is that how to arrange the endowment insurance of the"middleman"in the method of "rookie's new method, old man old method, middleman interim arrangement" and how to dissolve the huge transformation cost for the issue. This text puts forward and treats the view that "middleman" can implement the dual track systems, and the state finance can increase the fund expenditure of the social security budget to dissolving the huge cost; adjust upwards legal retirement age; extend personal account pension pay service life; strengthen the investment management and administration of the endowment insured fund; reduce the state-run capital; issue the national debt; issue lottery tickets; expand the coverage rate of social security; other ways (e.g. levying legacy tax , land royalties, gifting taxes, such measures as issue the social security bond).The analyzing and searching for the practical prominence problems of the goal mode to the endowment insurance system of the government public institutions; how to arrange the endowment insurance of the "middleman" in the method of "rookie's...