About social security?

1. The low level of security is related to the level of economic development and enterprises. An analysis of the social insurance cost of enterprise A with employee affordability gap;

Enterprise social insurance expenditure constitutes 6% 20% 2% 1.5% 4% 4% medical pension, unemployment, work injury, maternity and medical supplementary pension.

A total of 37.5%. Conclusion: The cost and burden of enterprises increase. B. personal contribution analysis:

Individual contributions 1% 8% 2%, total unemployment pension medical care 1 1%. Conclusion: The proportion of personal burden is high. C. The monthly average pension at the guaranteed level is 538 yuan/person; The average monthly salary is 623 yuan/person, and the pension replacement rate is 86.4%, which is the highest in the world, including Hebei. Shanxi. Inner Mongolia. Jilin. Anhui. Jiangxi. Shandong. Henan and other eight provinces exceeded 100%, resulting in an early retirement rate of 30%-33%.

2. The policy is imperfect and the system needs to be standardized. A. old-age insurance:

● Social pooling funds and individual account funds that combine pay-as-you-go and partial accumulation are all used to issue pensions, with an annual gap of 30 billion yuan.

● The burden on enterprises is heavy. Design defects: individual account = 8% of individual contribution+3% of enterprise contribution.

Reality: individual account = individual contribution (5%)+ enterprise contribution (6%)

● Early retirement? d？ D retired? d？ D there are 1836 kinds of special jobs, but there is no regulation in every industry? d？ D is bankrupt? d？ Textile pressed ingot

● Residual life calculation scheme The residual life is calculated by 10 year; Retirement age: 50 for women (55 for cadres) and 60 for men.

But take Dalian as an example: the average life expectancy of men and women is 17.55 years, the average retirement age is 62.5 years, and the life expectancy is 73 years. B. medical insurance:

Co-ordination Qifubiaozhun (Qifubiaozhun): Social flat salary 10% (amount or proportion), which is equivalent to the maximum payment limit of one month's salary (capping line): about 4 times social flat salary (insurance limited liability) (25,000-55,000 yuan).

Conclusion: The risk of serious illness is irresistible.

● Treatment level: Compared with the original free medical care and labor insurance medical care, the level has dropped greatly.

3. The labor market is lagging behind and the employment is not standardized. Labor market construction: standardize labor relations, standardize employment system-→ social insurance relations, contract workers, non-contract workers, migrant workers are not standardized: no labor contract, no remuneration.

4. The fund's supporting ability is weak.

● Non-accumulation: planned economy-→ establishment of market economy insurance system, non-accumulation, intergenerational pension payment.

● Serious arrears: arrears of endowment insurance: 39.8 billion yuan, involving 1/5 arrears of enterprise unemployment insurance: 6.7 billion yuan; Medical insurance arrears: 2 billion yuan

● The replacement rate is high: the annual gap of pension insurance is more than 30 billion yuan, and the medical insurance expenses in more than 20 provinces where pension funds can't make ends meet are growing too fast, making it difficult to pay.

● Poor risk prediction and resistance.

5. Insurance grade table

First, multi-level social insurance needs to be improved. Old-age insurance: only the basic old-age insurance system will be established. Medical insurance: only the basic medical insurance system is established. The supplementary insurance system for enterprises has not yet been established and cannot meet the needs.

6. The Social Insurance Law has not yet been promulgated, and there is no legal basis to support participation in insurance according to law: the compulsory nature of social insurance has not really been reflected at present, and there is no legal basis.

Paying social insurance premiums and paying arrears according to law: on enterprise management. The financial situation is difficult to be timely. Accurate understanding depends largely on the financial statements of enterprises and the consciousness of enterprises, and lacks coercive means.

Basic management: capital operation, capital loss

7. The social insurance management system is not perfect and the management methods are backward. Management system: the rate varies greatly (up to 36%); The overall planning level is uneven; List of capital operation channels

First, transfer. The transfer is not smooth; There are great differences in treatment standards in different co-ordination areas;

Transfer of social insurance relationship: it can only be transferred within the overall planning area, but not between the overall planning areas (payment period calculation). It is regarded as payment. Personal account is empty)

Management means: large business volume and precise requirements. Timeliness; The backwardness of management means directly leads to low work efficiency and poor work quality; Information management needs to be improved.

8. Local governments with insufficient understanding of social insurance and great difficulty in implementing the system: they have not fully recognized and attached importance to the significance and importance of social insurance; On social insurance and national economic development. Adjustment of industrial structure. Insufficient understanding of the close relationship between the reform of state-owned enterprises.

Enterprises do not understand the compulsory characteristics of social insurance and its distribution mechanism. Individuals do not understand the relationship between social insurance and its rights and obligations.