全面实施全民参保计划背景下扩大失业保险覆盖面研究  

Research on Expanding the Coverage of Unemployment Insurance in the Context of Overall Implementation of the Nationwide Insurance Program

作　　者：杨斌 丁建定[3] YANG Bin;DING Jian-ding(Chang'an University,Xi'an 710064;Huazhong University of Science and Technology,Wuhan 430074,China)

机构地区：[1]长安大学马克思主义学院,陕西西安710064 [2]长安大学中国特色社会主义理论体系研究中心,陕西西安710064 [3]华中科技大学社会学院,湖北武汉430074

出　　处：《江西财经大学学报》2019年第1期74-81,共8页Journal of Jiangxi University of Finance and Economics

基　　金：教育部哲学社会科学重大课题攻关项目"中国社会保障制度整合与体系完善研究"(13JZD019);中央高校基本科研业务费专项资金项目"新时代中国特色社会保障制度研究"(300102118618)

摘　　要：通过建立失业保险参保率和受益率模型,利用2000—2016年宏观面板数据,对我国失业保险覆盖面进行研究,发现我国失业保险参保率和受益率双低。失业保险参保率和受益率双低的原因包括高失业风险群体参保率低、低失业风险群体参保率高、失业保险待遇支付条件较高。应扩大农民工、灵活就业人员、低收入劳动者失业保险覆盖面,优化失业保险制度设计,完善失业保险浮动费率制度,降低失业保险待遇支付条件。Through constructing a model of unemployment insurance participation rate and benefit rate and making use of the macro panel data from 2000 to 2016,this paper studies the coverage of China’s unemployment insurance.The findings show that the participation rate and the benefit rate of the unemployment insurance in China are both very low.The reasons for the low participation rate and benefit rate of unemployment insurance include the lower participation rate of high unemployment risk groups,the higher participation rate of low unemployment risk groups,and the higher payment terms for unemployment insurance benefits.It is suggested that we should expand the coverage of unemployment insurance for migrant workers,flexible employees,and lower-income workers,optimize the design of unemployment insurance system,improve the unemployment insurance floating rate system,and lower the terms to pay unemployment insurance benefits.

关 键 词：全面实施全民参保计划 失业保险覆盖面 参保率 受益率 

分 类 号：F840.615[经济管理—保险]