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作为一种基本社会保障项目,失业保险已经成为我国城镇居民防范失业风险、保障失业人员基本生活的主要形式,我国的失业保险制度也形成了一套合理的制度框架和有效的运行机制。在具体实施过程中,我国失业保险制度形成了鲜明的特色,取得了很大成就,但也表现出扩面征缴难、基金收缴率低、基金收不抵支等矛盾。在当前我国下岗基本生活保障向失业保险的并轨过程中,迫切需要提高失业保险基金的承受能力,妥善解决下岗生活费与失业保险并轨过程中的难题,进一步发挥失业保险的促进就业功能,加强失业保险基金运营过程中的规范化管理。
As a basic social security project, unemployment insurance has become the main form of urban residents in our country to guard against the risk of unemployment and ensure the basic livelihood of the unemployed. The unemployment insurance system in our country has also formed a reasonable system framework and an effective operating mechanism. In the process of concrete implementation, the unemployment insurance system in our country has formed a distinctive feature and achieved great achievements. However, it also shows the contradictions such as the difficulty of expanding the fund, the low collection rate of funds, and the non-payment of funds. In the course of the merger of our country’s laid-off basic living guarantee and unemployment insurance, there is an urgent need to raise the affordability of the unemployment insurance fund, to properly solve the problems in the process of merging the laid-off living expenses and unemployment insurance, to further promote the employment function of unemployment insurance and to strengthen the unemployment insurance Standardization Management in Fund Operation.