| Social security is one popular on-going implementary social policy all around world; meanwhile, it is also the most important part composing nation's economy and judicature structures. Among the whole social securities, endowment insurance is the one of most significant forms, which can guarantee labourer maintaining one's basic living standard after one reaching the state-stated working age limit releasing from work obligations, and provide reliable living source for the senior citizen. In our country, endowment insurance system functions well in most regions and most insurants can gain his endowment insurance's rights and interests. However with the adjustment of economic structure, deepening innovation in enterprises in our country, the endowment insurance will cover more and more fields which especially reflect diverse employments, insurants cross-regions transfer frequently which mainly covers abundant cross-province migrant workers. Therefore, the endowment insurance system gradually meets kinds of problems, such as, how the endowment insurance can be safely transferred from one location to another, when the endowment insurance transferred how to keep it sequential.The root of endowment insurance fund and relations can not be smoothly transferred for the flowing employment is attributable to that our endowment insurance system is composed of social overall insurance and individual account. For the social overall insurance, most of our regions still rest on city and county level with gigantic diverse insurance plans. For the insurance fund, all funds are opposite independent with non-connections in different regions. Secondly the government does not constitute the "Social Security Law" yet, thereby, juridical power can not ensure relevant rights. Thirdly the provinces finance is independent from one to another. Therewith when endowment insurance transferred form the advanced territory to non-advanced territory or a reverse situation, there all along exist profits segmenting situation. And our social security system and domiciliary register system's limitation simultaneously restrict endowment insurance system establishment. All above issues make endowment insurance system and its funds-transfer turn into a long-time contradicted historical problem.Aiming at these problems, the article will analyze and advise how to transfer our endowment insurance. Above all, the article analyze current different regulations for how-to transfer the endowment insurance and the article will affirm those thoughts to solve the problem and mention its less satisfaction. Then combined the executive endowment insurance transfer experiences in the European Union countries with collected experts' advices, the article will express some suggestions for our endowment insurance transfer difficulty, which will affirm national overall social insurance is our future endowment insurance development direction. Then the government should realize province social insurance plan in one year, during the transition period, we should take "subsection calculation" method, individual account and partial overall insurance account "both transferring" and adjusting insurance pay rate as temporary measures to solve cross-regions endowment insurance transfer for the flowing employment. Simultaneously in allusion to existing relevant laws' deficiency, the article will bring forward another package of solutions with appropriate analysis.The article will summon all efforts from individual, society and the whole nation to build convenient state-connected endowment insurance net. I believe all labourers will insure or transfer his endowment insurance in the country without region-limitation and domiciliary register restriction by using uni-card system in the future. When people get retired, they can also enjoy the service and payback by the endowment insurance system. These "protection umbrella" and "ultimate safe net" functions of our endowment insurance are also what social security should provide for the people. |
PDF Full Text Request