The burden of social security enterprises is too heavy

Insurance Bian Xiao helps you answer, and more questions can be answered online.

First of all, the social security fund in China is mainly composed of three parts:

Social insurance fund: The social insurance fund formed by contributions from enterprises and individuals is the most important part of the social security fund, which mainly includes basic pension, unemployment, medical care, work injury and maternity insurance funds. In recent years, China has adjusted the system structure of social security, pushed the system from a single system to a multi-pillar system, and turned from pay-as-you-go to partial accumulation, and the social insurance fund began to have savings. The pension and unemployment insurance that ordinary people usually receive are paid from this part of the fund.

B. National social security fund: refers to the funds allocated by the central government, the reduction of state-owned shares and the transfer of equity assets, the funds raised by other means approved by the State Council and the funds formed by investment income. The fund is centrally managed and used by the central government.

C supplementary security fund: supplementary security fund is enterprise annuity and supplementary medical insurance, which is formed by contributions from enterprises and individuals.

Second, what are the obstacles to the source of social security funds?

First, the burden of the state and enterprises is still very heavy. The state has a heavy burden, not only because the projects supported by the state finance, such as social relief, social welfare, special care and resettlement, continue to be borne by the state, but also because the state has also borne a part of the social insurance expenses that should be shared by the three parties. For example, at present, the retirement expenses of retirees in administrative institutions are actually borne by the state finance.

Second, it is related to the overburdening of the state and enterprises, especially because of the overburdening of enterprises, which makes it difficult to collect social security funds. It is really unbearable for loss-making enterprises to bear too high social insurance premiums. In the case of compulsory overall collection by the state administration, enterprises can only take the form of arrears.

Third, there are differences in the nature of ownership in different regions, which leads to a prominent problem, that is, each region is fragmented, and the burden level of local finance and enterprises is extremely unbalanced, thus the sociality of social security has not been fully reflected, reducing the ability of pooling funds to share social risks.

Fourthly, with the change of migrant workers' identity and the increase of cross-regional population mobility, it is still difficult to coordinate urban and rural areas and ensure cross-regional security.