Research Of Basic Endowment Insurance System For Enterprise Employees In Dongguan City

Dongguan is a typical medium city in Zhujiang Delta. Since reform and opening policy, the whole city has basically realized the industrialization. Under the social background of narrow coverage group and low coverage of social security system in China, Dongguan takes the lead in establishing all farmer(residents) old-age insurance system for all urban and rural residents who are not insured and above legal age all over China by its strong financial strength so that it establishes the old-age insurance system with whole coverage and all layers by three kinds of insurance such as workers basic endowment insurance, flexible employee endowment and farmer(residents) basic endowment insurance. In recent years, the coverage of basic endowment insurance in Dongguan spreads quickly and the endowment insurance funds increase constantly while the pension for corporate retired employee increases gradually and the pension and management for retired staff realizes socialization.Dongguan is among the first in the system construction of pension insurance system while there are still some problems for the corporate employee endowment insurance. Firstly, the migrant workers are less aware of the insurance and the insured rate of corporate employee pension is quite low because of the limitation of census register; secondly, due to the bug in policy itself and the over-emphasis on economic development in early stage, the government gives more preferential policy for investment, thus leading to the problems left over by history for the migrant workers in Dongguan in the early stage; thirdly, since there is unreasonable and unfair in pension calculation and granting system, the corporate employee pension is issued with more and more stress and is hard to sustainable; fourthly, there is some difficult in supervision and enforcing the law, and it is hard to guarantee the efficiency and seriousness of law.By analyzing the above-mentioned problems and on the basis of real situation of corporate employee endowment insurance in Dongguan, this paper provides some solutions. Firstly, by information disclosure, it can strengthen the releasing and interpretation of policy and improve the credibility of social insurance in Dongguan and enhance the corporate responsibility so as to improve the activity of conscious participation by corporate employee; secondly, by optimizing the policy for corporate employee endowment policy, it can increase the reasonability of policy; thirdly, by improving the appreciation ability of pension insurance funds, it can release the sustaining granting and constant increasing pressure for corporate pension; fourthly, it can increase the supervision on social insurance so as to ensure that the corporate legally insure for employee and guarantee the legal rights for corporate employee; fifthly, the sound retired social management and service system can guarantee the demands of retired staff so as to further improve the endowment insurance system.