Research On The Management Of Local Social Insurance Fund

China has made remarkable achievements in economic development since the reform and opening-up and people's material wealth has increased rapidly.At the same time,people's livelihood issues such as pension,medical care and employment are getting more and more attention.If these problems cannot be effectively solved,people will not be able to fully enjoy the fruits of the reform and opening-up,and their living standards and quality of life will not be effectively guaranteed.To solve these livelihood problems,we should not rely only on government relief and people themselves,but establish and improve the social insurance system.The social insurance fund is the material foundation of the social insurance system,and the safety,stability and sustainable operation of the social insurance fund is closely related to the success or failure of the social insurance system.At present,local governments are mainly responsible for the specific management of social insurance fund in China.However,the operation of social insurance fund in various regions is not optimistic,and public opinion is always full of worries and distrust on social insurance fund.Then,what's the main problem of the local social insurance fund management and how to improve the local social insurance fund management level? Taking Dongyinggang economic development zone as an example,this paper conducts an in-depth analysis of these problems through field investigation and summary.The economic development level of Dongyinggang economic development zone is relatively high,and the operation performance of social insurance fund is very outstanding.However,there is still a significant imbalance between income and expenditure behind the performance.The maintenance and appreciation of the remaining funds is worrying,and the handling service is unsatisfactory.Therefore,this paper focuses on the income and expenditure management,investment management and handling services of social insurance fund for specific analysis,combined with the historical experience of foreign social insurance fund management,and presents countermeasures and suggestions to improve the local government social insurance fund management level.The main content of this paper has four parts:First,status quo analysis.This part describes the current situation of social insurance fund management from in three aspects: income and expenditure situation,investment situation and handling service.Through the actual investigation and analysis of the operating data over the years,we believe that the social insurance fund management achievements of Dongyinggang economic development zone are worthy of affirmation: the income is significantly higher than the expenditure,and the social insurance fund balance increases rapidly;the bank deposit structure of the remaining funds has been optimized with a higher preferential interest rate;the quality of agency services and operational capabilities are also steadily improving.Secondly,problem analysis and cause analysis.This part summarizes the problems of social insurance fund balance,investment management and handling service,and analyzes the causes.The problems of social insurance fund balance are mainly manifested in three aspects: the growth rate of expenditure is significantly higher than the growth rate of income;the balance of fund is increasing rapidly and the burden of enterprises and government are unbalanced.The main problems of investment management are limited investment channels and lower investment return rate.The main problem of handling services is that the service capacity still needs to be improved and the interaction with the public and society is insufficient.The reasons for these problems are not only the higher economic attribute of Dongyinggang economic development zone,but also the lower pooling level and management level for most China's local government.Thirdly,foreign experience.Through the introduction of three typical cases,the United States,Singapore and Chile,this part provides experience reference for local governments to manage social insurance fund.We believe that their experience can be summed up in four aspects: the support of sound laws and regulations;a higher level of overall planning;a larger scope of investment;the continuous improvement of service quality.Lastly,countermeasures and suggestions.Based on the foregoing,it provides specific and targeted countermeasures and programs for local governments to improve the management of social insurance fund.This paper puts forward that the collection and payment of social insurance fund should be enhanced to make sure that all the responsibilities should be taken and all the expenditure policies should be implemented to protect the legal rights and interests of the insured.We should pay more attention to investment management and actively expand investment channels.Greater efforts should also be made to improve the service capacity of the agencies...