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我国失业保险制度起步晚,机制还不健全,尚存在微观上保障不足,宏观上覆盖面窄、不利于其天然双向调节经济波动功能的有效发挥等问题,金融危机中的表现有力证明了这一点。本文研究认为:应深刻总结危机中的经验教训,在不超越发展阶段、充分权衡公平与效率的前提下,一方面,失业保险需要进一步完善制度设计、提高覆盖面,特别是失业风险较高的农民工,切实提高保障水平和保障能力;另一方面,应提高失业保险基金收支在应对经济波动方面的灵活性,充分发挥其宏观上调节需求、平滑波动的功能,随着参保率的提高,基金规模的加大,这方面的空间也将随之拓展。
The unemployment insurance system in our country started late and the mechanism was still not perfect. There was still insufficient protection on the micro level, narrow macroeconomic coverage, and unfavorable to its natural function of bidirectionally regulating economic fluctuations. The performance in the financial crisis proved this very well. The research of this paper holds that the lessons from the crisis should be profoundly summed up. On the premise of not exceeding the development stage and weighing the fairness and efficiency sufficiently, on the one hand, the unemployment insurance needs to further improve the system design and improve the coverage, especially the peasants with high unemployment risk On the other hand, we should increase the flexibility of the Unemployment Insurance Fund in meeting the economic fluctuations and give full play to its function of macro-regulation and smooth fluctuation. With the increase of the insurance rate As the size of the fund increases, the space in this area will also expand.