Overcoming The Trouble Of Old-age Insurance Existing In Private Enterprises Of County-level Cities

In recent years, the county economy is playing an important role in China's market economy. In the circumstances where private economy has become the mainstream of the county economy, migrant farmers become the main employment, the establishment of private enterprises is of great significance to improve old-age insurance system, to promote the optimal allocation of labor resources and the normal flow and maintaining the legitimate rights and interests of workers, to improve the social security system of private enterprises, to promote private enterprise healthy and rapid development. Small and medium-sized enterprises are common in the county economy. In the development of the county economy, the key is to enlarge and strengthen small and medium-sized private enterprises. Private enterprises have made great contributions to promoting economic growth and address the employment as well as the increase of financial revenue, becoming the most potential in economic development. However, old-age insurance of private enterprises is very weak and the system is in trouble, thus making itself a blind spot in old-age insurance system in China nowadays and seriously restricting the healthy development of private enterprises.Although the party and government attach great importance to the issue of old-age insurance, the plight of old-age insurance in private enterprises in our country still exists. Insurance rates were generally low and the private business owners deliberately suppressed by the base fee to reduce the amount of payment. In private enterprises, some business owners and employees have the desire to participate in social insurance and they recognize the importance of social insurance. However, they are not active to apply for insurance .On the contrary; they often reluctantly agree to pay fees only when they are repeatedly urged by the Bureau of Labor and Social Security. Some private business owners lack in social responsibility and the legal consciousness, and they often ignore Labor laws and the rights of migrant workers. They only focus on interests of enterprises, and try to reduce costs to the extreme. They are not active in ginseng, which necessarily does harm to our society, the enterprise and workers. Therefore, our national endowment insurance system will face severe challenges. At the same time, not ginseng of private enterprises endangers the current pension payment and increases expenditures gap. Of course, fund will be in great risk. This will influence the harmony of labor relations and become adverse not only to health development of the corporation, but also to the stability of the society, ultimately affecting coordinated development of the region economy and the construction of harmonious society.The author thinks that there are many reasons for the current situation of social insurance in private enterprises both for macro and micro reasons; both for the objective reasons and subjective reasons. According to the government, China's endowment insurance system is first intended for public economy, especially designated state-owned enterprises. This system can not adapt to the private economic decentralization and liquidity of employment. With the absence of the restriction and supervision mechanism and poor publicity, private enterprises couldn't reach the expected result of ginseng. According to enterprises, private enterprises, especially small and medium-sized ones have difficulty with fund sufficiency. At the same time, the heavy tax burden adds to the difficulties. As market competition becomes increasingly fierce, private enterprises just pursuit the maximization of profit. So they try to escape paying fees for endowment insurance to reduce the so-called cost of production. According to the enterprise employees, among small and medium-sized private enterprises in China, most are labor-intensive industries, where the employment pressure makes them cherish the opportunities for jobs, not daring to protect their legal rights and interests. Many of them come from the countryside with short education, and less sense of ginseng. They don't have a good knowledge of endowment insurance. In their opinion, endowment insurance means a rich family to ensure their life at an old age. They are not confident of it. These result in the trouble for the ginseng of private enterprises in the county-level cities.The author thinks that strengthening the construction of private enterprises should follow the endowment insurance legal principles. Only in this way can endowment insurance of private enterprise step into the track of healthy development. Differences are allowed here. With different scales and development levels of ginseng, the enthusiasm and ability to capture is also not identical. The policy may not adapt to every private enterprise. So it can not surely improve the payment rate. At present, we should jump out unified system of simplification, or adopt flexible ways according to different situations. A special design for endowment insurance system in private enterprises is very necessary now. It should be designed not only to safeguard the rights and interests of workers, but to ensure the sustainable development as well as efficiency of the private enterprises. In the process of consolidating our china's endowment insurance, China's weak endowment insurance foundation and the situation of large population should be taken into consideration. Considering the reform and the developing speed of and the society, China should try to balance premium with the overall level of endowment insurance as well as economic development level, especially that in private enterprise. Only by this can China safeguard enterprise employees and enterprises themselves. Only by this can endowment insurance be feasible.Considering the specific conditions in China, the author thinks that if the medium-sized and small enterprises want to get rid of the trouble in endowment insurance, not only does macro environment need improving, but also microcosmic cultivation and efforts are necessary. Thus, strengthening the government supervision function is becoming more and more necessary, too. Government, departments and organizations related to endowment insurance should be clear of their responsibilities, forming the following working pattern: government taking charge, labor safeguard branch helping, related departments and vice-governor of the whole society to participate in. We should also strengthen union, take advantage of it, strengthen the consciousness of the ginseng of both sides of labor and establish incentive mechanism. Meanwhile, China should praise the enterprise which dose well in the implementation of endowment insurance policy at times. This can help ensure the implementation of endowment insurance in private enterprises. Apart from the government and enterprises, the power of the workers of the powerful force of social supervision by public opinion also helps. It is becoming pressing to increase service and support, reduce burden of enterprises, and promote the competitiveness of small and medium-sized enterprises. Finally, we must be in practice actively to explore the pension management mode for private enterprises.Any kind of social system adapts to a certain historical period of economic development level. At present, the development level of endowment insurance of our country is still low. Old-age insurance in Private enterprises at the county level city couldn't reach the top. With the improvement of the level of social productive forces, and accumulating of the total economy level, the level of security should also be improved. Finally, the basic perfect social security system will be established, to guarantee the construction of harmonious society.