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On the Responsibility of Individual and Government in the Aged Insurance
Author: LiuZuo
Tutor: ZhangZhengJun
School: Northwestern University
Course: Social Security
Keywords: Pension insurance Personal responsibility Government responsibility Responsibility to adjust Pension reform
CLC: F842.67
Type: Master's thesis
Year: 2005
Downloads: 471
Quote: 4
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Abstract
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Pension obligations is an important issue in the pension field constitute the core of the pension insurance system, the formal pension insurance system, the pension division of responsibilities with the different combinations. Directly to individuals, families, government has become the main duty-bearers to meet the pension needs of members of society, and the world-wide market-oriented reforms of the pension insurance since the late 1970s, in turn personal responsibility to a principal position. It can be said that the development and changes of the pension insurance is essentially a government and individuals (including family) responsibility to each other back and forth and rise and fall, complement each other, with the cooperation of the historical process. Taking personal responsibility as the main line, in order to meet the pension needs and improve social welfare as the ultimate goal, on the analysis of old-age insurance in the individual and government responsibility. In the activities of human endowment, pension system changes, especially pension obligations and the main changes are ultimately in order to meet the pension needs of members of society to improve the life and welfare of the individual and society, whether it is the informal pension arrangements or formal pension insurance system, the Mo aloof; especially from the internal mechanism of the old-age insurance of pension resources point of view, the government and individuals constitute the endowment of the two main government responsibility and personal responsibility is essentially performance to meet the pension needs of two different mechanisms for the integration of pension resources arrangements. This paper argues that the theoretical analysis, private property is the connotation of the old-age insurance characteristics, its public only exogenous. As a result, the first and major responsibility borne by the individual pension insurance is a theory of inevitable logic. But the personal responsibility of the implementation depends on the individual's own value-creating capacity and improve the exogenous market exchange and competition. Meanwhile, in modern society, people are facing pension risk is not entirely derived from the individual's own reason, social and institutional factors constitute an important part of the modern pension risk. Therefore, the responsibility of the government pension insurance mainly in two ways: (1) provide a universality of public pension plans assume some of the old-age risk; (2) the various ways through the system, funds, regulatory, incubating and creating the conditions and environment to achieve personal pension liability. As individuals, should rely on their own efforts to work with the accumulation, through the exchange mechanism, with the external market competition mechanism to bear most of the responsibilities of caring. Personal pension liability is reflected in all aspects of the pension fund raising, personal accounts, fund management and operation of, and interest in pay, and rely on (1) the pension equity private, (2) pension interest payment of supply constraint mechanism two mechanisms to achieve. Boundaries and scope of government responsibility and personal responsibility in the pension insurance be OK. On this basis, the article on China since the founding of the town pension system reform. Analysis pointed out that since 1984 the overall reform of the pension system on the towns along the retracement of government responsibility, and strengthen and highlight the personal responsibility of the institutional trajectory development, but due to restructuring costs and other issues are resolved in a reasonable, China's urban pension insurance system After a tortuous development. The face of population aging and pension fund crisis, in the design of institutional arrangements, the system account \to strengthen the personal liability of the pension system and highlight the structural adjustment of personal responsibility and government responsibility pension goals, and ultimately, to maximize the total social welfare. This article is divided into seven sections. The first part of the introduction to the article. The second part of the analysis of the pension responsibilities of the main changes in the pension activities. The third part of the main theoretical discusses the private property of the old-age insurance and government dependents
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CLC: > Economic > Fiscal, monetary > Insurance > China's insurance industry > Various types of insurance
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