China's Social Insurance System

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1. The contents of China's social security system

The social security system refers to the social security system in which the state and society redistribute national income through legislation and policy norms to protect the basic living rights of all members of society, especially those with special difficulties. At present, China's social security system covers many aspects, including social insurance, social relief, social welfare, social preferential treatment and social mutual assistance, and personal savings accumulation.

Social insurance refers to social members who pay social insurance premiums in accordance with laws and policies. When they temporarily or permanently lose their ability to work and encounter other difficulties, they have the right to get help from the relevant departments of the state and society. Pension, unemployment, medical care, work injury, maternity insurance and housing insurance are the core of social security. The most important thing is unemployment insurance. As far as the mode of protection is concerned, it is multi-level. First, the object of social security has expanded from only involving urban workers in the past to all members of society, including urban and rural workers and employees of various economic sectors; Second, the sources of social security funds are diversified. In the past, social security funds were mainly borne by the state, but now they are shared by the state, enterprises and employees.

Social relief is the material help provided by the state and society to people suffering from natural disasters, unfortunate accidents and living in poverty, which belongs to the lowest level of social security.

Social welfare refers to the assistance and services provided by the state and society to all citizens in the fields of public health, environmental protection and basic education, and belongs to the highest level of social security.

Social special care is a special security system for a specific class. In addition, commodity insurance for profit, such as individual insurance, enterprise insurance and mutual insurance, based on the voluntary principle, belongs to the supplementary form of social insurance.

2. The role of social security system in China.

Social security system is the inevitable product of the development of commodity economy to a certain historical stage and the objective requirement of socialized mass production. To develop the socialist market economy, we must establish and improve the social security system suitable for China's national conditions. Its main functions are: an important guarantee for social stability and long-term stability of the country; Adapt to the needs of the common development of public ownership as the main body and multi-ownership economy; Adapt to the needs of the socialist market economic system; The need to reduce the burden on the state and improve the level of social security; The need to develop rural economy and safeguard farmers' interests.