Migrant Workers Endowment Insurance Problems In Urbanization Process

In the process of urbanization in our country, produced an extremely laborgroup—migrant workers. It has extremely important progressive significance. On theone hand, the generation of migrant workers, improve the actual income of migrantworkers, improved living standards and quality of them, on the other hand, thegeneration of migrant workers contribute greatly to the development of China’seconomic and social, made great contributions for the city’s construction and socialprosperity. But for a long time, rural migrant workers made a great contribution tourban economy and society, at the same time, they encounter with the inequalitytreatment, such as “for the same work but with the different pay”,“different right inthe same city”, a lot of legitimate rights and interests of them can not protect, but alsoa lack of endowment insurance rights and interests.In the background of building a harmonious socialist society, safeguard therights and interests of migrant workers endowment insurance become very importantand urgent. This is not only beneficial to promote the rapid development of our socialeconomy, improve the labor productivity further, and have great importance toimprove the social interests distribution, narrowing the gap between rich and poor,maintaining social stability. Because of endowment insurance of migrant workershave strong positive externalities, it is a quasi-public product with strong public,therefore, from the perspective of public finance to study the problem of endowmentinsurance of peasant workers is very necessary, at the same time, it is also the basicfunctions of public finance. One of the most important basic function of publicfinance is to meet social public needs, solve the problems that market can not effectively solve, make up for market failure. Endowment insurance as an importantpart of social public needs, it needs public finance tread. This article start from thebasic definition of migrant workers, introduces the generation of migrant workers,characteristics and development course, combining theories of endowment insuranceto introduce the properties of the migrant workers endowment insurance and generaltheory; Then mainly analyzes the policy evolution and status quo of rural migrantworkers endowment insurance in our country, mainly for our study and comparison ofexisting patterns; Next, through the analysis of the plight of endowment insurance ofmigrant workers in the process of urbanization, sums up the problems of rural migrantworkers endowment insurance in our country and the reasons in the behind; Inaddition, the article also sum up the foreign advanced experience for reference to thepeasant workers’ endowment insurance system in China by comparing the foreignrelevant endowment insurance system, and come to some countermeasures forconstructing the peasant workers’ endowment insurance system in our country.The main article structure is divided into five parts: the first part is introduction,mainly referral the selection of the article’s background and research significance, thedomestic and foreign related literature review, research ideas and methods of thearticle, the innovation points and shortage to discuss; In the second part, we introducethe general theory of endowment insurance system, the emergence and developmentof migrant workers, and policy evolution and status quo of rural migrant workersendowment insurance in our country, through the analysis of the propertycharacteristics of endowment insurance of migrant workers to draw the necessity andsignificance that public finance support for rural migrant workers endowmentinsurance; The third part focuses on the plight of endowment insurance of migrantworkers in the process of urbanization in our country, including migrant workersendowment insurance system of institutional dilemma, financing difficulties andfinancial aspects of the plight of existence; The fourth part through compared the three countries’ policy choice in the process of urbanization with the current policy ofour country, to concluded policy suggestion that deserve our using for reference; Thefifth part is the last part of the article, it focus on the countermeasure thinking ofendowment insurance system of rural migrant workers in the construction of China’snew urbanization, including to facilitate the construction of financial support for ruralmigrant workers endowment insurance system, adjust the structure of financialexpenditure for rural migrant workers endowment insurance, clear the allocationproportion of fiscal expenditure between central government and local government,establish a local intergovernmental fiscal transfer payment system, increase publicfinance for rural migrant workers endowment insurance money, subsidies for ruralmigrant workers endowment insurance fund deficit, establish the philosophy of“limited finance”, highlight the fiscal subsidy incentive oriented, and some policysuggestions that support rural migrant workers endowment insurance that outside offiscal support.