1. According to its sources, social security funds are generally divided into fiscal social security funds; Social insurance fund; _ _ _ _ _ _ Fund; And other social security funds. Different social security funds have different financing channels and must be used for specific social security projects.

social welfare

2. The financing methods of social security funds generally include: taxation; _ _ _ _ _ _ and free financing.

levy

3. The sources of social security funds generally include: financial allocation; Collect social insurance contributions (taxes); Issue welfare lottery tickets to raise funds; _ _ _ _ _ _ _ expenses; Fund operating income; Other channels, etc.

service

4. As an important part of social insurance, endowment insurance has the characteristics of sociality, welfare and mutual assistance, as well as; Universality; Importance; _ _ _ _ _ _ _ sex; And complexity.

Long-term accumulation

Noun interpretation

5. Medical insurance

It is an insurance to compensate the medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth.

6. Basic medical insurance

It is a social security system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance agency will give certain economic compensation to avoid or reduce the economic risks caused by illness and treatment.

7. Supplementary medical insurance

Compared with basic medical insurance, it includes enterprise supplementary medical insurance, commercial medical insurance, social mutual assistance and community medical insurance, which is a favorable supplement to basic medical insurance and an important part of multi-level medical security system.

8. Commercial medical insurance

It is an integral part of the medical security system, and units and individuals voluntarily participate. The state encourages employers and individuals to reduce the price of commercial insurance. Refers to the profitable medical insurance operated by insurance companies.

9. Unemployment

It refers to the economic phenomenon that the population with employability and employment requirements has no employment opportunities within the scope of labor.

10 unemployment insurance

It refers to the system enforced by the state through legislation, and the society sets up a fund to provide material help to workers who have temporarily interrupted their livelihood due to unemployment.

-Short answer questions-

1 1. How to understand the relationship between social security and income distribution?

Social security is a form of national income redistribution. National income distribution is divided into primary distribution, redistribution and third distribution. The primary distribution emphasizes efficiency, the secondary distribution emphasizes fairness and mediates the primary distribution. The third issue is a further adjustment to the previous two issues. Social security belongs to redistribution.

12. Principles of social security fund management

A: It is the principle of management according to law, standardized operation, earmarking, separation of revenue and expenditure and budget management.

13. Responsibility-bearing mode of endowment insurance

Government responsibility, responsibility sharing, individual responsibility and mixed responsibility.

14. endowment insurance financing model

Answer: 1. Pay as you go. 2. Partial accumulation system. 3. A complete accumulation system.

15. Operation mode of endowment insurance fund

Social pooling, individual account, social pooling and individual combination.

16. Payment and payment methods of endowment insurance

The tight payment mode of endowment insurance and the payment level determination mode of endowment insurance.

17. Functions of endowment insurance

Security, stability, fairness, development, culture and other functions.

18. Basic contents of the old-age insurance system

Answer: Endowment insurance is a social insurance system in China established by the state and society according to certain laws and regulations, in order to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age.

Contains three meanings:

1, which will take effect automatically after the elderly within the legal scope completely or basically withdraw from social labor life.

2. The purpose is to ensure the basic needs of the elderly and provide them with a reliable source of livelihood.

This is achieved through social insurance. Old-age insurance is a social security system widely implemented in all countries of the world.

19. What are the main features of the medical insurance system?

A: The basic medical insurance for urban residents is an important part of the social security system, with the characteristics of sociality, mutual assistance and welfare.

20. What are the basic principles that medical insurance must follow in its implementation?

A: The basic medical insurance for urban residents follows the principles of "starting at a low level, focusing on medical treatment for serious diseases, and gradually improving the level of protection" and "making ends meet, with a slight surplus". The implementation of the basic principles of the unit package village (neighborhood), village package group, package households, neighborhood committees and units (enterprises) package workers, cadres and workers package their families, teachers package students.

2 1. Medical insurance system

A: It consists of 1 and basic medical insurance. 2. Large medical mutual insurance. 3. Supplementary medical insurance.

22. What are the main modes of medical insurance?

Answer: 1. Medical insurance for urban workers. 2. Residents' medical insurance. 3. Rural cooperative medical insurance. 4. Commercial insurance.

23 medical insurance fund raising channels

Individual contributions, unit contributions, interest income, financial subsidies and other income.

24. Causes of unemployment

A: 1. Labor supply exceeds demand. 2. The economic structure has undergone major adjustments, and the corresponding labor structure will inevitably undergo structural adjustments, which will inevitably cause some people to lose their jobs. 3. With the progress of science and technology and the improvement of labor production level, traditional departments in some fields, especially the primary and secondary industries, can not only expand employment capacity, but also reduce employment and divert some labor, resulting in an increase in the number of unemployed people. Because many unemployed people have single skills and low professional skills, it is difficult to meet the needs of employers. In addition, they can't rely on their own efforts to open up employment opportunities, which increases the difficulty of re-employment. 5. The current social security system is imperfect, the coverage is narrow, the market employment mechanism has not been fully established, and there are obvious constraints on the labor flow and rational allocation.

25. The function of unemployment insurance

Security, rational allocation, employment promotion, stability and other functions.

26. The basic content of unemployment insurance

According to different standards such as compulsory participation and unemployment insurance level, it can be divided into different types, generally including coverage, fund raising management and use, unemployment insurance benefits, unemployment insurance management, etc.

-Composition questions-

27. How can the government effectively supervise the investment of social security funds?

A: 1. Budget management. 2. Financial supervision. 3. Investment control, etc.

The government's management of social security fund is the core content of social security system. The fundamental goal of fund management is to ensure the safety of funds. In practice, we should follow the principles of legal management, standardized operation, earmarking, separation of revenue and expenditure, and budget management. As the main body responsible for social security, the government bears the main responsibility for managing social security funds, but the autonomous management and non-governmental management of social insurance funds have been paid more and more attention by governments all over the world.

28. Why should China reform its medical insurance system?

A: The medical insurance system covers a wide range and is closely related to the vital interests of the broad masses of the people. Why reform the medical system? The reason is:

First, it is the general trend and it is imperative. The current system of free medical care and labor insurance for employees in China was established in the early 1950s, which has played an important role in safeguarding employees' health, promoting economic development and maintaining social stability. However, in recent years, the defects of free medical care and labor insurance medical care system have become increasingly prominent, which is unsustainable and must be reformed. The disadvantages of this system are as follows: First, it is "excessive", that is, the state and units bear too much medical expenses for employees, employees lack self-protection awareness, and finance and enterprises are overwhelmed, thus making the basic medical services of the masses unable to be effectively guaranteed. The second is "fast", that is, there is no effective restriction mechanism between doctors and patients, and the medical expenses are growing too fast and wasting is serious. Some employees lack the awareness of saving medical expenses, and some units have the phenomenon of "taking care of minor illnesses" and "one doctor takes the whole family medicine" to varying degrees. The third is "low", that is, the degree of socialization of management and service is low. In different regions, different ownership systems, different industries and different units, the medical treatment enjoyed by employees is too different, and a considerable number of employees still cannot get basic medical insurance. In some enterprises with poor production and operation conditions, many employees' medical expenses are only tens of yuan a year, and many employees' medical expenses have not been reimbursed for a long time and are in arrears. The fourth is "narrow", that is, the medical coverage is narrow. Many employees and individual industrial and commercial households in foreign-invested enterprises, joint-stock enterprises and private enterprises developed after the reform and opening up did not participate in social medical insurance, so employees of these enterprises could not get effective basic medical insurance.

2. Carrying out the reform of urban medical insurance system is an urgent need to realize the reform and development of state-owned enterprises. Due to various historical reasons, the diversion of laid-off workers and the reduction of staff and efficiency have become important contents of the reform of state-owned enterprises. To do this work well, an important measure is to provide laid-off workers with basic living security, including basic medical services.

29. What is the international trend of unemployment insurance reform?

Due to the differences in economic development level, political culture, historical tradition and other national conditions, there are many differences in unemployment insurance systems in different countries. At present, the international reform trend of unemployment insurance is to limit the right to enjoy unemployment insurance, strengthen the management and operation of unemployment insurance, and highlight employment orientation.

30. On the development direction of unemployment insurance system in China.

After more than ten years of development, China's unemployment insurance has made great achievements, and the future development direction should be to actively develop the employment security mechanism.

3 1. Reform process of endowment insurance in China

A: 1. Starting from social overall planning, the reform of enterprise endowment insurance system is the focus.

2. Strengthen the construction of the basic old-age insurance system for urban workers. Expand the coverage of basic old-age insurance. We will carry out pilot reforms to improve the basic old-age insurance system. Explore the reform of the retirement system of government agencies and institutions.

3. Raise basic endowment insurance funds through multiple channels. Enterprises and employees pay the same fees. Increase financial subsidies to the basic old-age insurance fund. Establish a national social security fund.

4. Promote the socialization of pension insurance management services.

5. The social security system has shown new features, and the rural minimum living security system has been comprehensively promoted.