成都市综合保险并轨社会保险的意义、问题与建议  

Meaning,Problem and Suggestion for Incorporating Chengdu Comprehensive Insurance into Social Security

作　　者：张韵[1] 

机构地区：[1]中央财经大学保险学院,北京100081

出　　处：《西部论坛》2013年第5期11-18,共8页West Forum

摘　　要：成都市于2004年起实施了针对外来务工人员的综合社会保险制度,该制度虽以低缴费优势迅速扩大了社会保险覆盖面,但存在低待遇、难转移、高成本、复杂化等问题。2011年,成都市开始进行非城镇户籍从业人员综合社会保险并轨城镇职工社会保险的改革,旨在建立城乡统一的社会保障体系,实现社会保险城乡同等待遇。成都市综合保险并轨社会保险改革对其完善社会保险制度具有积极影响,对其他地区也有参考和借鉴意义,但在具体实施过程中存在费率提高可能导致参保人数下降以及缴费不合理等问题,建议针对原综合保险参保人员,采取降低缴费基数、延长缴费年限的办法,以确保提高社会保障覆盖率改革目标的实现。Chengdu City government migrant workers, although this system implemented Comprehensive Social Insurance System since 2004 for the rap dly spread in society by its low premium, there were problems such as low benefit, difficult transfer, high cost, complexity and so on. In 2011, Chengdu City began to reform by incorporating comprehensive insurance of migrant workers into social security of urban residents, aiming to set up urban and rural integrated social security system to realize the same premium enjoyed by the urban and rural residents. Chengdu City＇ s incorporating comprehensive insurance into social security is of active significance to perfecting social security system and to reference to other areas, but there are still some problems such as premium raising to cause the decline of insurance participants and unreasonable insurance fee payment and so on in the implementation of the policy, in order to realize reform objective for raising social security covering scope, this paper suggests that the method such as reducing insurance fee base and extending insurance fee payment time for previous comprehensive insurance participants should be carried out.

关 键 词：综合社会保险 社会保险 非城镇户籍从业人员 城镇职工 农民工 社会平均工资 缴费基数 社会保障覆盖率 

分 类 号：F842.6[经济管理—保险]