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从上世纪90年代开始,我国着力于基本养老保险“扩面”工作,先后出台一系列规定、条例等,逐步扩大了基本养老保险适用范围,将原来制度外的外商投资企业、城镇私营企业和其他城镇企业及其职工,企业化管理的事业单位职工,自由职业人员、城镇个体工商户等群体都纳入了参保范围,希望通过“扩面”筹集到更多的资金,缓解基金支付压力。其实,不同群体有不同的特点和需求,统一将他们按既定的或相对变通的政策纳入进来,是否适合他们的需要,是否真的能缓解制度内的基金支付风险,是一个值得我们研究和探讨的问题。本文以淄博市灵活就业人员为研究对象,对该个体的基金收支情况进行了测算,通过定性、定量分析,初步得出该个体的基金收支是不平衡的,存在个体平均基金收支缺口。因此,应基于不同人群的特点、基金收支平衡的需要等,制定大致相同、略有差异的扩面策略,不仅能满足参保者自身的参保要求,也能维护制度的稳定与良性发展。
Since the 90s of the last century, our country has focused on the work of basic endowment insurance and expanded its work scope. It has successively promulgated a series of rules and regulations to gradually expand the scope of application of the basic old-age insurance. Foreign-invested enterprises and urban private-owned enterprises outside the original system, Enterprises and other urban enterprises and their employees, enterprise-managed institutions, employees, freelance workers and urban individual industrial and commercial households and other groups are included in the scope of insurance, hoping to raise more funds through the “expansion of the ” to ease Fund pay pressure. In fact, different groups have different characteristics and needs, unify their policies according to established or relative flexibility, suit their needs and whether they can really ease the risk of fund payment within the system. It is worth our study and discussion The problem. In this paper, flexible employment personnel in Zibo City as the research object, the individual income and expenditure funds were measured, through qualitative and quantitative analysis, initially concluded that the individual fund balance of payments is unbalanced, there is an individual gap between the Fund revenue and expenditure . Therefore, based on the characteristics of different groups and the needs of fund balance, we should formulate broadly similar and slightly different expansion strategies that can not only meet the insured’s own insurance requirements, but also maintain the stability and healthy development of the system .