What is the positive significance of establishing a unified old-age insurance system?

Endowment insurance, also known as endowment insurance, refers to the social security system in which the state legislates to collect social insurance premiums (taxes) and form a pension fund to pay pensions when workers retire to protect their basic needs. It is one of the important contents of social security system.

Endowment insurance is the basic part and main link of social security system and the main content of social insurance. The social endowment insurance system is a part of the endowment insurance system managed and provided by the government, also known as the basic endowment insurance system or the public endowment insurance system, which has the characteristics of compulsion, mutual assistance and universality.

According to population type, China's current social endowment insurance system can be divided into three parts: endowment insurance for employees in urban enterprises, endowment insurance for institutions and rural endowment insurance. The initial social endowment insurance system in China is the urban endowment insurance system. The endowment insurance system of state organs and institutions was separated from the endowment insurance system of urban workers, and then it experienced the process of merger and separation in the process of system reform.

Take various measures to continue to expand the coverage of old-age insurance.

Expanding the coverage of endowment insurance is a system that China has been actively promoting. At present, the new rural old-age insurance and urban residents' old-age insurance, which have been implemented on a pilot basis, will theoretically more than double the coverage of China's old-age insurance in a few years, but nothing can be done overnight. More importantly, we should not only pay attention to coverage, but also pay attention to the quality of welfare. To this end, the author puts forward the following suggestions for expanding the coverage of old-age insurance: First, focus on solving the participation problems of flexible employees, laid-off workers and migrant workers, which are difficult to be covered by the new rural insurance and urban housing insurance, and consider their tolerance for this group of people.

Although the state has given them some preferential treatment, only individuals with old-age insurance have to bear 20% of their wages, which is undoubtedly a great burden for anyone. After these people join the insurance, due to the heavy burden of payment, there will be the problem of arrears of old-age insurance premiums, and some people with financial difficulties will also surrender their insurance. It is necessary to reduce the payment burden of these people, encourage them to participate in insurance and less surrender. At present, the payment base of provinces and cities is generally divided into two grades. It is suggested to change the low-grade payment base every two years to directly or indirectly increase the participation rate and expand the coverage. The second is to strengthen the publicity of new rural social endowment insurance and urban residents' social endowment insurance, and cultivate urban and rural residents' social insurance awareness. It is necessary to use TV topics, radio stations, posters, consulting services, etc. Vigorously publicize the policies and regulations of endowment insurance and create an atmosphere in which everyone participates in endowment insurance in the whole society. The third is to strengthen joint law enforcement and improve the level of law enforcement. Supervise and inspect the insured enterprises, strengthen the rigid restraint on non-public economic organizations, make full use of and give full play to the binding force and effectiveness of existing laws and regulations, implement comprehensive management, and restrain enterprises and industrial and commercial households that fail to fulfill their social security obligations.