Discussion On The Optimization Of The Social Insurance Fund Management

Social insurance as a means of social risks and mechanisms is a broad category of insurance an integral part of. And ensure social security for workers to achieve its function of providing basic living necessities is the economic base of social insurance funds. Refers to the social insurance fund for the protection of the workers lost the ability to work or lose the opportunity to work when the basic needs of a mandatory requirement in the law, through which workers and their units to collect social insurance, or direct funding from the state finance and funds together. Such funds for its own nature, there are many funds from other important feature, namely, purpose, object-specific, mandatory, mutual relief, and value-added. Social Insurance Fund Management is the 20th century, the international community since the 90's of concern to protect the important areas of cutting-edge topics. China should learn from abroad in time of social insurance funds on the advanced management experience, for our country's social security fund management to develop more ideas. In this paper, mainly from the management, investment management and fund the operation of the three aspects of supervision of learning from international experience, and suited to China's social insurance fund management to optimize the rationalization proposals on China's social insurance fund management of the main trends. This article is first of all, the social insurance fund management of the general theoretical analysis. That is, the social insurance fund management is to achieve the basic objectives of social security and stable operation of the system of social insurance funds operating conditions, management, investment operations, supervision and management to conduct a comprehensive planning and systems management. Social insurance fund management includes the following three categories:financial concentrated, multi-dispersed, specialized agencies type. Social insurance fund for scientific and effective management is conducive to better social insurance system to promote healthy functioning, to reduce the burden of social insurance costs will help improve the financial markets and promote economic development. Secondly, on China's social insurance fund management made a specific analysis of the status quo to find the current China's social insurance fund management problems. China's social insurance cost to increase conversion; social insurance funds to pay the base false; social insurance funds investment yield is not high; and China's social insurance fund is relatively sound regulatory mechanism. Comparison and reference in the international context, primarily through Eastern Europe, Sweden, Latin America and other countries in the social insurance fund management, investment management and regulation of the operation of the current situation analysis and comparison, the optimized management of the country's social insurance fund Suggestions: to reduce transfer costs, do it step by step personal accounts, and expand the scope of insurance, select the appropriate investment vehicle of social insurance funds, according to monitoring and so on. Finally, a scientific forecast of China's social insurance fund management of a number of future development trends:social security tax, the establishment of the social insurance budget and so on.