People's livelihood three questions: social security, how to overcome the benefits of curing

Original title:socialwill protect, how to overcome the benefits of curing (people's livelihood three questions) the Third Plenary Session of the 18th Central Committee proposed to establish a more equitable and sustainablesocialwill guarantee the systemIn the context of the aging of the population and the acceleration of population mobility, how to promote the fairness of social security system through the top-level design of science, exert the bottom-up and ensure sustainability has become an important reform issueRecently, the 10th International Forum on Social Security was held in Beijing, more than 130 experts and scholars from more than 10 countries on the issue of old-age insurance, health care, social assistance, social welfare and other issues published the latest research results, and more than 100 experts and scholars participated in the discussion and interactionThis newspaper has extracted a number of important points of view for readers. - Editor asked how to reduce the group gap in old-age proposed to break the benefit curing, to achieve the national overall pension insurance to achieve equity, we must break the interest imbalance and benefit solidified pattern, otherwise it will endanger the sustainability of the system. Zheng Gongcheng, a professor at Chinese Min University, believes that the traditional pattern of group division and regional division is essentially the pattern of unbalanced distribution of benefitsThe delay in the reform of pension insurance in institutions and institutions has brought about the unfair adjustment of pension financing mechanism and treatment, while the developed regions occupy the opportunity for development and the dedication of young workers, but do not want to share the social security responsibilities of less developed areas, which directly hinders the organic integration of social security system and the promotion of the overall level. Comprehensive deepening reform provides the greatest opportunity to promote the maturity and stereotypes of China's social security system, but the barriers of interest-curing, the aging of the population and high mobility, as well as various institutional obstacles also pose great challenges, and the deepening of the reform of the old-age insurance system must break through the pattern of benefit-curing, so as to promote equity of rights and interests and narrow the gap between treatment and treatment as the basic starting point. Song Xiaoxuan, president of the China Economic Reform Research Association, said that the currentbasic old-age insuranceis insufficient, widening the gap between groups and regionsIn the new stage of development, thesystem of basic old-age insuranceshould improve the co-help and reduce the gap in one distributionIn his view, to improve the co-benefits of basic old-age insurance should appropriately reduce the proportion of individual accounts, and accordingly, increase the proportion of pensions paid according to the average social wage. In addition, the mutual help between regions should also be improved, from the direction of equalization of basic public services to promote the reform of the basic old-age insurance system, the basic pension insurance rights to the state level in a timely mannerSpecifically, it is to realize the national co-ordination of the level of basic old-age insurance contributions and treatment, and to reverse the trend of expanding the distribution gap between regions. The Third Plenary Session of the 18th Central Committee proposed to study and formulate a policy of gradual lying the retirement ageDelaying the retirement age will have far-reaching implications for the pension system and the labour market. In this regard, the Vice President of the Chinese Academy of Social Sciences Cai Wei believes that the higher quality of the labor force is the result of the long-term accumulation of developed countries, under this premise, the delay of retirement age has become an effective policy choice for developed countries to solve the problems of labor shortage and pension shortage However, in China, because the education level of the older workers is low, and can not fully meet the requirements of the job market, the delayed retirement policy often makes the elderly workers in a weak position, and then their pension insurance rights and interests will be affected. Ding Jianding, a professor at Huazhong University of Science and Technology, said the delay in retirement age should aim to maximize the pension insurance rights and interests of insured persons Only the delayed retirement age on the basis of effective employment can really expand the economically active population and thus improve the system dependency ratio of the old-age insurance system. Ask the medical insurance for major diseases can increase the guarantee, suggest that the state set up a special fund, while mobilizing social forces to make donations After the realization of full coverage of the system, the three major medical insurance and medical assistance as the main body of the medical security system into the key system stereotyped stage. Urban-rural co-ordination is the inevitable trend of the development of medical insurance system He Wenxuan, a professor at Zhejiang University, believes that the separate operation of the medical insurance system for urban and rural residents weakens the effect of system guarantee and causes the waste of public resources, but whether from the system structure or the nature of the system, residents' medical insurance and new agricultural joint have the feasibility and rationality of merging The unified operation service is conducive to reducing the operating cost of the system, the unified management is conducive to the convergence and coordination of the system and the policy, while the unified system is conducive to improving the efficiency of the system, reducing social contradictions and promoting social equity. Yu Fuling, a professor at the Central University of Finance and Economics, believes that the integrated system should take the medical insurance of workers as the main body, and it is not appropriate to set up a separate system for landless farmers, migrant workers and other groups In accordance with the overall institutional framework of "employees and residents", a multi-level medical security system should be established with "the separation of responsibilities between the government and the market, the combination of basic and supplementary, fairness and efficiency" In the process of integrating public-funded medical treatment and workers' medical insurance, we should follow the principleofof of old and new, that is, the current staff who implement the public expense system before a certain point of time to choose whether or not to participate in the medical insurance of employees, and the new people after a certain point to participate in the medical insurance of employees according to the provisions The gap in the level of medical insurance treatment is solved by establishing supplementary medical insurance. Speeding up and perfecting the medical insurance and assistance system for major diseases is the goal of reform proposed by the Third Plenary Session of the 18th Central Committee At present, although the level of protection for major diseases is constantly improving, but the effect of protection is not very ideal. In this regard, Yu Fuling proposed that the state set up a special fund to provide assistance to patients with major diseases, while mobilizing social forces to make donations (including charitable organizations), reflecting the government's responsibility and social care purposes The scope of application of the system is the whole country, the nature of the system is voluntary application, the source of the fund is government subsidies and social contributions, enjoy auxiliary medical assistance and donor treatment. How to view the relationship between commercial insurance and basic medical insurance? Wang Baozhen, a professor at Wuhan University, pointed out that it should be fully recognized that the so-called "big disease medical insurance" is in essence the commercial insurance company to assume the function of reinsurance, the basic medical insurance system and medical assistance system reinsurance, thus belongs to the category of supplementary protection. She also believes that commercial insurance participation is essentially the government's public administration function by purchasing insurance specialized services At present, under the background of weak reinsurance professional management ability of the operating institutions, it is beneficial to the role of market mechanism, but there are difficulties to intervene in medical services and cost control limitations, coupled with the profit-making market operation, will lead to the lack of protection level Therefore, at this stage, the participation of commercial insurance is suitable for trial in the economically developed areas, the time for widespread spread is still not ripe, its implementation is still a long way to go. Ask how social assistance can be more powerful to suggest that professional social work to participate in social assistance management Since the 1990s, China has established a minimum living security system for urban and rural areas, medical assistance system, housing security system, reform of the five-guaranteed support system, homeless begging assistance system, temporary assistance system, etc., initially built a seamless "social safety net" covering the whole people. Yang Lixiong, a professor at Chinese Min University, believes that China's long-term life assistance system has matured, special social assistance efforts are increasing, emergency relief into the legal track, but temporary relief still needs to be improved In the future, social assistance should be based on the changes in the structure of poverty and economic and social development, improve standards, and further enhance the social assistance "bottom line, emergency relief" role. Guan Xinping, a professor at Nankai University, put forward four suggestions for the reform of China's social assistance system: first, to improve the low-security assistance rate, to raise the urban low-security assistance rate to not less than 5%, to not less than 10% in rural areas; Social service is an important support for social assistance management and social welfare Wang Zhenyao, a professor at Beijing Normal University, said the construction of social service systems has reached an important historical node On this node, the transformation of economic development, the maintenance of social stability and the improvement of social quality are directly related to the construction of social welfare and social service system How to know this node and how to design this historic transformation is of great significance to the development of Chinese society.