At present, China is establishing a social security system covering both urban and rural areas. Among them, universal medical insurance has long been basically realized. By the end of 20 13, there were 322 million people participating in the basic old-age insurance for urban workers, 498 million people participating in the social old-age insurance for urban and rural residents, and 654.38+4/kloc-0.00 million people participating in the basic old-age insurance for urban and rural residents received basic pensions. Industrial injury insurance, unemployment insurance and maternity insurance cover 654.38+9.9 billion, 654.38+6.4 billion and 654.38+640 thousand employees respectively. The level of social security has been improved year by year, and the basic pension for enterprise retirees has achieved "ten consecutive adjustments". The balance of income and expenditure of social security funds has been continuously expanded, and its ability to resist risks has been enhanced. By the end of 20 13, the income, expenditure and accumulated balance of the five social security funds reached 3.52 trillion yuan, 2.79 trillion yuan and 4.5 1 trillion yuan respectively. In addition, the total amount of the national social security fund exceeds 1 trillion yuan. It can be said that China has initially established a social security public service system and is constantly improving the management service level.

The current employment situation is basically stable.

Mainly manifested in: First, the number of new jobs in cities and towns continues to increase, and the unemployment rate is stable at a low level.

Secondly, the structure of labor skills and quality in industrial upgrading and transformation. The transformation and upgrading characterized by improving production efficiency, product quality and service quality will inevitably put forward higher requirements for the quality and technical skills of workers, and the contradiction of the shortage of talents with high professional quality and professional technical skills will be further aggravated in the short term.

Third, the problem of youth employment has become increasingly prominent. The data shows that the unemployment rate of young people is significantly higher than that of other age groups, and the proportion of young people engaged in economic activities has dropped significantly, which will have a far-reaching impact on the labor market. The employment problem of college graduates is outstanding. At present, the speed of creating high-end jobs through transformation and upgrading is still difficult to keep up with the increase in the number of graduates, and the effective jobs suitable for graduates are relatively insufficient. The structural contradiction between graduates' academic structure, employment concept and market demand is still outstanding. Another group of young workers-the employment problem of the new generation of migrant workers can not be ignored.

Another point is that the quality of employment is the "worry" of employment. At present, the employment quality of some workers is still at a low level, mainly as follows: vulnerable employment groups and unstable employment groups account for a relatively large proportion; The overall level of labor remuneration is still low, and its proportion in the initial distribution is not high; The protection of workers' rights and interests is still outstanding.

At present, there are still some outstanding problems in the construction of social security system: first, some people are not insured, and the proportion of private enterprises and small and micro enterprises participating in various insurances for urban workers is low; Second, the transfer of social insurance relationship is not smooth enough, and it is not suitable for liquidity; Third, the treatment gap is large and the fairness needs to be improved; Fourth, it is difficult for the fund to maintain and increase its value; Fifth, there is still a division of labor in the management system.

In the future, the development of social security system will face great challenges: first, the changes in macroeconomic situation will have an impact on insurance participation and government investment; Second, the aging of the population is accelerating, and the problem of sustainable development is prominent; Thirdly, the acceleration of urbanization puts forward higher requirements for the system to adapt to liquidity; Fourth, people's demand for fair access to social security is growing day by day.

The countermeasures and suggestions to improve the social security system are as follows:

First, further improve various social insurance systems so that the broad masses of the people can better enjoy social security. Including improving the incentive mechanism of endowment insurance participation and the transfer and connection methods of endowment insurance, and introducing policies such as survivor treatment and disability allowance as soon as possible. Deepen the reform of the payment system, improve the security system for serious and serious diseases, and improve the transfer and connection methods of medical insurance relations. Improve the unemployment, work injury and maternity insurance system.

Second, we will continue to deepen reform to make the social security system fairer. Including the integration of urban and rural residents' pension, medical care and minimum living security system; Reform the old-age security system of government agencies and institutions to realize a unified basic old-age insurance system for urban workers; Promote the national overall planning of basic pensions for urban workers and enhance the fund's overall adjustment function.

The third is to establish and improve the mechanism to promote the sustainable development of the social security system. Including the formulation and improvement of social security treatment determination mechanism and normal adjustment mechanism; Timely and appropriately reduce the social insurance rate; Study and formulate a policy of gradually delaying retirement age; Strengthen the investment management and supervision of social insurance funds, and promote the marketization and diversified investment operation of funds; Further improve the social security management system and handling service system to provide basic support and guarantee for sustainable development.

The fourth is to promote the construction of a multi-level social security system. Through the implementation and improvement of tax support policies, employers are encouraged to establish supplementary insurance for workers. At the same time, commercial insurance is encouraged to play a complementary role.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.