Basic Pension Insurance Essay?

Basic pension insurance is the top priority of the social security system, and the success or failure of the basic pension insurance system is related to the political and economic stability and development of a country. The following is the basic pension insurance paper I have organized for you for your reference.

Model Essay 1: Exploration of the problem of basic pension insurance for urban and rural residents

The new development of basic pension insurance for urban and rural residents is an important initiative of China's "building a well-off society in all aspects" since the 18th, which is also an essential requirement for the deepening of the development of the pension insurance business. This article is based on the analysis of China's pension insurance business. This paper is based on the understanding of China's pension insurance business, on the preparation of the basic pension insurance for urban and rural residents in the problems of the following specifications, and thus put forward a number of coping strategies.

I. Problems in the basic pension insurance for urban and rural residents

1. Low level of integration, insufficient financial input at all levels.

First of all, the mode of integrating the pension insurance funds of provinces and municipalities directly under the central government is mainly "individual contributions", "*** subsidies" and "collective subsidies". For counties, cities and districts at the grass-roots level, the individual contribution fund is stored in a special financial account, which makes it difficult to realize the integrated use of this part of the fund, and also unable to effectively realize the preservation of value and value-added. The two payment methods of "*** subsidy" and "collective subsidy", on the one hand, increase the financial pressure of ***; on the other hand, it also exposes *** to huge risks, which is extremely unfavorable to the promotion of urban and rural residents' basic old-age insurance in the long term. Secondly, *** subsidies mainly come from three levels *** central, provincial, municipal and county fund inputs, but in the provincial, municipal and county levels, the financial contribution is relatively small, and for the county *** subsidies "according to the target allocation" method. For some poor counties and cities, *** subsidies are under greater pressure. Financial constraints, the emergence of the "cin eat dai food" problem.

2. The pension insurance system convergence problem is prominent, the system incentive role is lacking.

First of all, in the process of system convergence, the lack of comprehensive consideration of the actual situation. For example, some of the expropriated farmers, not only enjoy the "new rural insurance" basic pension, but also enjoy the expropriated farmers pension insurance. Secondly, in the convergence of the basic pension insurance system for urban and rural residents, some pilot areas have gradually formed a localized system model, which is bound to have difficulties in convergence if it is connected with the existing pension insurance for urban and rural residents. Once again, the system's incentive role is lacking, and is specifically manifested in the following: first, the incentives for participants who have paid more contributions are relatively lacking, and the effective incentive mechanism of "more contributions, more compensation" has not yet been implemented; second, for participants who have paid contributions for a long period of time, the system's incentive role is not obvious, and provinces and municipalities have not yet introduced corresponding policies to subsidize the participants who have paid contributions for a long period of time; and second, for participants who have paid contributions for a long period of time, the system is not obvious. The second is that the incentive effect of the system is not obvious for participants with a long contribution period, and provinces and cities have not yet introduced policies to give more subsidies to participants with a long contribution period.

3. The low level of awareness of residents' participation in the insurance system restricts the steady progress of the integration work.

From a practical point of view, China's urban and rural residents still have greater resistance to the integrated development of pension insurance, which comes from the relatively weak awareness of urban and rural residents to participate in insurance. First of all, under the influence of the traditional pension, urban and rural residents pension insurance system lacks a certain mass base, some urban and rural residents do not pay enough attention to it; Secondly, some urban and rural residents think that the contribution time is long, and the benefits are relatively small, which to a large extent weakened the residents to participate in the insurance of the positive initiative. Therefore, under the influence of many social factors and concepts, China actively promote the development of urban and rural residents' basic pension insurance is still a process, the need to further establish a broad base of the masses, and improve the awareness of urban and rural residents to participate in the insurance.

Second, strengthen the integration of urban and rural residents of the basic pension insurance strategy

1. Further clarification of the property rights of the financial subsidies, to protect the legitimate rights and interests of urban and rural residents.

Currently, it is difficult to coordinate the use of individual contributions in the basic pension insurance model for urban and rural residents, which are deposited in individual accounts. But for the *** subsidized part, is not inherited. This calls for further clarification of the ownership of this part of the fund that cannot be inherited, and through the trial of a special account, and the establishment of a "classification of subsidies" method for its effective management and redistribution. For example, pension benefits are extended to participants based on the number of years they have contributed. For example, if a participant dies before receiving his pension, he can be subsidized according to the classified subsidy standard of the insured person's contribution period to ensure the legitimate rights and interests of urban and rural residents.

2. Gradually improve the financial support mechanism, so that the financial input is abundant.

Currently, the basic pension insurance for urban and rural residents is facing the problem of insufficient financial input at all levels. Therefore, the gradual improvement of the financial support mechanism to achieve adequate financial input, the focus of the integrated development. There are large differences in local economic development, on the one hand, to ensure that the urban and rural residents insurance fund to do "special use"; on the other hand, we must combine the actual situation of each place, within the affordability, follow the "principle of flexibility", to strengthen the financial support of ***. The first step is to make sure that you are able to get the best out of the program.

3. Properly deal with the problem of the convergence of the pension insurance system, to promote the integration of new progress.

The basic pension insurance for urban and rural residents is a new type of agricultural insurance and the integration of the original city pension insurance, how to realize the effective convergence of the pension insurance system, directly affecting the development of urban and rural pension insurance integration. Therefore, to further properly deal with the problem of pension insurance system articulation, to ensure that the urban and rural residents of the basic pension insurance system and other pension insurance system integration. On the one hand, the system articulation should ensure fairness and justice, which is an important precondition for the integrated development; on the other hand, the establishment of a multi-level urban and rural insurance system will create a good internal and external foundation for the integrated development of the basic pension insurance for urban and rural residents. In short, the basic pension insurance system for urban and rural residents is an important move to build a moderately prosperous society in China since the 18th Party Congress. The basic pension insurance for urban and rural residents is facing a lot of problems, especially in the financial input, the system convergence, the existence of the problem greatly restricts the development of the basic pension insurance for urban and rural residents.

范文二：逃费现象下的

一、基本养老保险逃费现象的成因分析

Currently, the pension insurance system still has certain defects, there is still a lot of room for improvement, on the one hand, the coverage of the pension insurance system is not very comprehensive, part of the area of the collection of pension insurance funds will be a dead ends, which will make people have an unbalanced psychology, which is also the fuse of the phenomenon of fee evasion. In addition, the fairness of the design of the pension insurance system is still to be improved. The current system is divided into regions, industries and status, and the distribution of individual rights and interests is not too reasonable, thus affecting the fair and smooth operation of the basic pension insurance fund collection. Furthermore, the collection rate of basic pension insurance funds is not very reasonable, the collection rate is high, which will bring financial pressure on people, thus affecting the efficiency of their contributions.

II. Countermeasures to solve the phenomenon of basic pension insurance fee evasion

We have initially understood the adverse effects of the phenomenon of basic pension insurance fee evasion, and improving this phenomenon is imperative for the harmonious development of society, so we need to constantly explore the corresponding countermeasures in order to effectively avoid the occurrence of this phenomenon.

1. Sound legal system of basic pension insurance collection

In today's legal society, no matter what the nature of the collection of funds, we need to do "there is a law, law enforcement must be strict, and illegal must be investigated", so, in the solution to the phenomenon of the basic pension insurance evasion, first of all, we need to put the relevant legal system sound, to maximize the illegal to prevent the illegal to prevent the illegal to prevent the illegal to prevent the illegal to prevent the illegal to avoid the phenomenon. Therefore, in solving the phenomenon of basic pension insurance evasion, the first thing to do is to make the relevant laws sound, and to prevent illegal people from exploiting the loopholes of the law to the maximum extent. In addition, according to many cases in foreign countries where the implementation of basic pension insurance is smooth, a sound legal system is an important guarantee for the normal collection of basic pension insurance. Therefore, the state and the relevant *** departments must improve the basic pension insurance collection of the legal system, so that the normal collection of funds with the protection of legal authority, and legal means to punish the phenomenon of fee evasion can better reflect the basic pension insurance fund of the sanctity of the inviolability of the fund. Of course, the level of basic pension insurance legislation should also be raised accordingly, so as to attract more people's attention. The legal responsibility of the evaders should also be strong enough to serve as a warning, and should have the authority to ensure that they will not repeat the offense. Therefore, improve the legal system of pension insurance is an effective countermeasure to solve the phenomenon of fee evasion.

2. Developing a sound basic pension insurance collection system

Developing a sound basic pension insurance collection system can give people a fair and reasonable payment system, so that people consciously abide by the system, to achieve the effect of citizens consciously pay the fees. First of all, the development of the system should be fair and reasonable, equal treatment, there can not be favoritism, at the same time, the development of the system also needs to have universality, so that all citizens pay the basic pension insurance funds, the system developed also need to have a wide range of coverage, in order to serve the public. Of course, after paying the basic pension insurance fund, must enjoy the corresponding rights, to let the citizens of the old age have protection, in order to let them from the bottom of their hearts willing to invest for their old age. In addition, the pension insurance collection of funds should be moderate, need to pay the funds to be within their ability to afford, if beyond their ability, will cause pressure on their normal life, over time, this system is bound to cause public anger, and can not ensure the sustainable development of China's pension insurance, not to mention the harmonious development of society. Therefore, the state and the relevant *** to effectively solve the phenomenon of basic pension insurance to escape, but also need to establish a perfect collection system, in order to protect the smooth progress of pension insurance.

3. Strengthen the supervision and management system of basic pension insurance collection

With the support of sound laws and a perfect collection system, it also needs the corresponding management system to strictly manage the relevant executives, in order to ensure the sustainable development of China's pension insurance. First of all, in the implementation of the pension insurance related system, to increase the inspection and supervision system, to ensure that the law enforcement officers can deal with the phenomenon of fee evasion in a fair manner, but also to strictly implement the basic pension insurance collection system. Secondly, in today's information age, it is also necessary to follow the development trend of the times and strengthen information management. We can enter the relevant information about the collection of funds into the computer, and then both parties to the collection of funds can be operated through the computer, which can effectively improve the efficiency of the work. Moreover, the information that can be stored in the computer is also very large, which can save the waste of human and material resources in the basic pension insurance management. Furthermore, in this supervision and management mechanism, there should also be appropriate scientific reward and punishment system to encourage people to follow the system, but also vigorously punish those who evade the fee, so that it can effectively motivate more people to comply with the corresponding regulations, reduce the frequency of the phenomenon of fee evasion.

Three, conclusion

In short, the collection of basic pension insurance funds is an important guarantee of the sustainable development of China's pension insurance, the state and the relevant *** departments must be strictly enforced to minimize the phenomenon of pension insurance evasion, to ensure the coordinated development of the community, at the same time, this is the biggest guarantee for the old age of China's citizens. At the same time, we also need to effectively solve the phenomenon of fee evasion countermeasures as soon as possible to put into practice, for the normal implementation of the basic pension insurance basic to provide strong support, which is also to promote the continuous improvement of China's market economy is an effective means to ensure the harmonious development of the whole society in China.