(1) Social stability mechanism The role of social stability mechanism is mainly realized by implementing stable and reliable basic guarantees for the economic life of the broad masses of workers and social members. Under normal circumstances, workers maintain their livelihood and that of their families through distribution according to work and distribution according to wages. But the weather is unpredictable. People are doomed. When workers are old, sick, injured, have children, are disabled, die, temporarily or permanently lose their ability to work, or are laid off or unemployed, and can't rely on labor remuneration to maintain the life of workers and their families, workers have participated in social insurance according to law, and can rely on insurance funds and accumulation raised by the state, units and individuals to get basic living security in time. Promote social stability and economic development.
(2) Promoting social insurance for labor reproduction is an important means to ensure the smooth reproduction of social labor. Production is the foundation for the survival and development of human society.
The reproduction of human society includes not only the reproduction of material data, but also the reproduction of labor itself. As Engels said: "There are two kinds of production itself. On the one hand, the means of production are food, clothes, housing and tools necessary for this; On the other hand, it is the production of human beings, that is, the reproduction of species. " In the process of material production, workers not only consume the use value of certain means of production, but also consume their labor ability, which will gradually decline until they are completely lost. Workers have participated in social insurance. In the case of illness, injury, maternity, unemployment, etc., you can get timely treatment and necessary material help according to the relevant laws and regulations of social insurance (such as medical insurance). ), so as to restore the health and labor ability of workers, provide stable economic security for their families, and effectively promote the normal reproduction of labor. Therefore, social insurance has become an important means to promote labor reproduction.
(3) Regulating social distribution, promoting social equity, regulating social distribution and promoting social equity is one of the important functions of social insurance. In addition to raising funds for economic development, social insurance also plays an important role in regulating social distribution relations, restricting and promoting the redistribution of national income. In other words, social insurance can adjust the social distribution relationship, promote the realization of social fair distribution, and maintain social coordination and stability.
The realization of social insurance's role in promoting social equity is mainly reflected in the whole process of fund raising, payment and use. Social insurance funds come from insurance premiums paid by workers themselves and enterprises, as well as financial subsidies from the state. The social insurance funds subsidized by the state finance come from state taxes, and the state collects higher fees and taxes from high-income people through taxes to supplement social insurance funds, expand the sources of social insurance funds and increase the accumulation of insurance funds. The state redistributes social insurance funds through the social insurance system or channels, giving priority to low-income people and workers who have lost their sources of income, and paying higher insurance premiums to ensure their basic needs, thus balancing the national income level and actually improving the actual income level of low-income people. Income redistribution through social insurance has narrowed the income gap between workers and promoted the further rationalization of social income distribution.
It is a national social and economic policy to accumulate necessary funds to promote economic development. It not only regulates the consumption of workers and social members, but also provides necessary material assistance to those workers and their families who temporarily or permanently lose their ability to work through retirement, illness, work-related injury, occupational disease, unemployment and maternity insurance. To ensure their basic living needs, so that these socially disadvantaged groups can improve their social purchasing power and increase their consumption expenditure to a certain extent. At the same time, the social insurance system can also raise and concentrate a large amount of funds for economic construction, thus objectively providing relatively stable and huge long-term funds for the country and promoting economic development.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.