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The National Uniifed Plan of Basic Old-Age Insurance in China

Author: LiuLu
Tutor: ZhangHongFeng
School:
Course: Social Security
Keywords: Basic old-age insurance National level pooling Restricting Factors Favorable Conditions Countermeasures
CLC: F842.6
Type: Master's thesis
Year: 2012
Downloads: 167
Quote: 1
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Abstract


Notable achievements have achieved much in the area of the Old-Age Insurance. Ithas taken the shift from Enterprise endowment insurance to social endowment insurance.That is to say, The Mechanisms of shared accountability have replaced individualresponsibility Mechanisms, and the mode of “social overall plan and individual account”became the main institutional mode. The institutional mode contributes to the institutionalfunction-executive help each other and defense against the risk of Population Aging.Nevertheless, it still faces arduous tasks and various problems on its road of advance. Oneof the problems is that social pool fund is pressed into service in the small area. Though thesocial pool fund is overall planned by provincial government, there is a long way toaccomplish goals that the social pool fund is planned by central government. Due to theinfluences of different province’s economy development level, different policy of theOld-Age Insurance and other factors, there is a gap between the development of Old-AgeInsurance for different provinces, Which is the greatest obstacle to realize the eventualtarget that the social pool fund is planned by central government. Low-level of planning isnot only hard to make full use of endowment insurance risk diversification characteristics,but also a disadvantage for social harmony and stability. Consequently, the centralgovernment level pooling of basic pension is of some significance.In this social situation, the dissertation, based on investigating a large amount ofdocuments, analyzes the present development of Old-Age Insurance for different provinces.Consequently, it, on the base of empirical study does the analysis of the social conditions.At the same time, the scheme about how to realize Low-level of planning can be designed.At the end of the dissertation, the countermeasure and suggestion of making full use ofsocial pool fund in the State. Unified basic old-age insurance at the provincial level is thetransition from the present condition to the eventual target. Therefore, taking all factorsinto consideration, High-level of planning is not too distant future.

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CLC: > Economic > Fiscal, monetary > Insurance > China's insurance industry > Various types of insurance
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