Countermeasures to solve the social insurance problem Social insurance is the "escort" of economic system reform.

It shoulders the dual responsibilities of stabilizing society and ensuring life. Faced with many problems existing in social insurance, it should be solved from both the overall and partial aspects.

The overall consideration is how to determine the general framework of social insurance and how to determine programmatic policies; the local consideration is to seize the opportunity of enterprise restructuring, fill the social insurance debt, and give full play to the role of social security "shock absorber" in enterprise restructuring, so that the society

Insurance continues to develop in the context of enterprise reform.

1. Holistic measures (1) Establish a social insurance fund compensation mechanism to ensure a virtuous cycle of social security funds.

To establish a social insurance fund compensation mechanism, the solution to historical debts should start from the basics. First, the implicit debts must be clearly accounted for. A calculation method should be formulated based on length of service and remaining life years to determine the national historical debts. For the "elderly" and "old people" across the country, a calculation method should be developed.

The "middle man" conducts liquidation and finds out the bottom line.

It will then be resolved through three channels: enterprises, local finance, and central finance. A compensation plan will be formulated based on the ratio of 50% from the central finance and 50% from enterprises and local finance. Responsibilities will be clearly defined and responsibilities will be graded.

The specific methods are: first, enterprises and local governments bear 50% of the financial burden. During the process of enterprise reform and asset reorganization, a part of the state-owned assets will be allocated to the social security fund as a support for the "old people" and "middle-aged people" of the enterprise.

Partial debt compensation.

If state-owned assets can repay 50% of the debt, local finance does not need to bear the burden, and the shortfall in state-owned assets will be filled by local finance.

Bundle the "debts" that enterprises should bear with the "debts" that local finances should bear, and give full play to the active role of local governments.

Second, the central finance bears 50% of the burden. The central finance will issue government-approved bonds to pay off the debts of the "elderly" and "middle-aged people" at one time. The local finance will keep the bonds and cash them out from the central finance in proportion every year. At the same time, the "

The personal accounts of "newcomers" will be consolidated to realize a true partial accumulation model.

The establishment of this compensation mechanism not only solves the problem of historical debts and empty accounts, but also distinguishes the social insurance responsibilities of the central and local governments. It also prevents the loss of state-owned assets and the waste of central financial compensation.

(2) Establish a full-coverage, multi-level social insurance system.

The current social insurance system management system is not unified. There are government insurance agencies and enterprise insurance agencies, each of which manages one. The insurance coverage is limited to various urban enterprises and institutions, and civil servants in administrative agencies are not included in the overall planning scope. The insurance system is inconsistent, and enterprises

Pension insurance has implemented a pension insurance system that combines unified accounts with government agencies and public institutions. The pension calculation method used in the planned economy period is still implemented in government agencies and institutions. This shows that a unified national pension insurance system has not yet been fully established.

In order for social insurance to fully play its role as a "safety net" to absorb shocks, it must cover all types of enterprises in cities and towns as well as administrative agencies and institutions; unify the pension insurance system; and adhere to a national coordination approach.

Only in this way can we promote the rational flow of labor, establish a large labor market for the whole society, and create conditions for the improvement of the market economic system.

(3) Accelerate the pace of social insurance management and establish a social security system independent of enterprises.

Social insurance management includes two parts: one is basic business management, and the other is the socialization of retiree management services. These two parts are the basic content of the social security system, and they are important measures to cooperate with the deepening reform of state-owned enterprises, and they are also important to ensure pensions.

An effective means of distributing in full.

The top priority for basic business management is to standardize management methods, standardize business management procedures, and standardize information database management, that is, establish a unified national social insurance business management system.

The social management services of social insurance include social management of retirees, community services and socialized payment of pensions. Its main task is to change the pension settlement method from differential payment to full payment.

Realize socialized payment of pensions.

2. Partial measures (1) Actively participate in the entire process of enterprise reform.

Enterprise reform has been fully rolled out, and social insurance has been negatively affected by enterprise reform.

Therefore, it is very important for the social insurance department to actively participate in enterprise reform.

The social insurance department must participate in the entire process of enterprise reform as a member of the enterprise reform committee, so as to help the social insurance department better safeguard the social insurance rights and interests of employees during enterprise reform.

(2) When reorganizing assets, repay social insurance debts.

The problem of state-owned enterprises using restructuring to evade social insurance debts should attract great attention from the social insurance department. They must win the support of the local government, conduct a detailed analysis of the basic situation of the enterprise, and implement social insurance debts in a certain order.

First, repay the social insurance premiums owed to employees by the restructured enterprise; second, in accordance with the relevant provisions of the social insurance fund compensation mechanism, calculate the historical debts of the "old people" and "middle-aged people" of the enterprise, and calculate the historical debts of the enterprise and the local government according to the responsibilities borne by the enterprise and the local government.

The proportion shall be repaid from the income from asset realization. If the income from asset realization is insufficient, the local government shall make up the difference, but the responsibilities must be clearly distinguished.

(3) Resettlement of retired personnel after restructuring and employee resettlement of enterprises.

No matter what form of enterprise reform, it will involve the resettlement of retirees and employees.

For the placement of retirees, the historical debts of the enterprise's retirees should be handed over to the social insurance agency in proportion in one lump sum in accordance with the relevant provisions of the social insurance fund compensation mechanism. The retirees are decoupled from the restructured enterprise, and the social insurance agency is responsible for file management and expenses.

Distribute and realize social service management in the true sense.

If the income from the realization of the assets of the restructured enterprise is insufficient to pay this fee, or if it is temporarily difficult to realize, a part will be paid first, and the remaining part will be compensated by the local finance.