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失业是在经济发展过程中不可避免的现象,随着这次经济危机的加深,失业情况会更加严重,必然需要完备的社会保险制度。但现在我国失业保险制度的不完善无法妥善解决失业人员失业期间的基本保障并促进其再就业。本文通过对中国失业现状进的细致分析,同时结合现今中国的失业率,揭示了中国现在所面临的失业情况的严峻性,在此基础上提出若干关于我国现阶段的失业保险制度的缺陷,并针对现有的制度缺陷,借鉴医疗保险模式的成功经验,提出了设想--建立失业保险个人帐户,最后在大数法则的风险预测下,依据权利义务相对称的概念,建立模型,借此阐述该设想。
Unemployment is an inevitable phenomenon in the process of economic development. With the deepening of the economic crisis, unemployment will worsen and a complete social insurance system will inevitably be required. However, the imperfect unemployment insurance system in our country now can not properly solve the unemployment protection unemployment and promote its reemployment. Based on the detailed analysis of the current unemployment situation in China and the current joblessness in China, this article reveals the seriousness of unemployment in China and proposes some shortcomings on the current unemployment insurance system in our country In view of the existing institutional defects and drawing on the successful experience of the medical insurance model, this paper proposes the concept of establishing a personal account of unemployment insurance. Finally, under the risk prediction of the law of large numbers, the concept of relative rights and obligations is compared and the model is established. The idea.