achievement and challenge of china＇s social security system

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1、维普资讯http://www.cqvip.i中團人口WKKKKMCHINAPOPULATIONTODAYAchievementandchallengeofChina’ssocialsecuritysystemHI当代中国人口•CHINAPOPULATIONTODAY维普资讯http://www.cqvip.iHI当代中国人口•CHINAPOPULATIONTODAY维普资讯http://www.cqvip.iChinaestablishedanddevelopeditssocialsecuritysystemfr

2、omtwentyyearsago.1.SocialsecuritysysteminChinaisaninstitutionalinnovationAtthebeginningofthe1990s,Chinaestablished“SocialPoolingplusIndividualRetirementAccount”(SP&IRA),whichisregardedasaninstitutionalinnovationthroughouttheworld.SP&IRAtriedtocombinethecharac

3、teristicsofdefinedbenefitpensionplans(DB)anddefinedcontributionpensionplans(DC)toavoidfinancialdifficultiesinsomedevelopedcountriesandabsorbtheexperiencesofSingaporeandChile.Thismodelhassuperiorconceptandcorrectthinkingbecauseitconsidersgovernmentresponsibili

4、ty,socialdependence,individualresponsibilityandfinancialsustainability.SP&IRAaddedanewmodelandpilotforworldsocialsecuritydevelopment.U.S.A.begantodrawupareformplansimilartoSP&IRAin2001,tenyearsafterChina.Withoutquestion,SP&IRA,likethenominalaccountsysteminsev

5、enEurasiancountries,hasglobalsignificance.2.TheachievementofChina’ssocialsecuritysystemreformAlthoughChina’ssocialsecuritysystemreformencounteredmanydifficultiesintheprocessoftransitionfromtraditional“stateinsurancemodel”ofpre-SovietUnionto“modeminsurancemode

6、l”，ithasalsomademanyachievements.(1)Chinahasestablishedamodemsocialsecuritysystem.Relatedmatchingpolicieshavebeenformulated;socialinsurancelawhasbeenimplemented.Additionally,thefirstpillarconsistingofendowmentinsurance,unemploymentinsurance,medicalinsurance,o

7、ccupationalinjuryinsuranceandchild-bearinginsurancehasbegun.Thesecondpillarconsistingofsupplementaryinsurancepolicieshasbeendrawnupandmoremoneyhasbeenputintosocialaidsystemtoenlargeitscoverageandtocompleteitsroleofasocialsafetynetwork.(2)Thecoverageofthesocia

8、lsecuritysystemenlargedgradually.Endowmentinsurancecoveredabout2hundredmillionpeople,unemploymentinsurance1.2hundredmillion,medicalinsuranceL5hundredmillion,occupationalinjuryinsurance1.1