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社会保险是国家通过立法采取强制手段,对国民收入进行分配和再分配形成的专门的消费基金,以保障劳动者因暂时或永久丧失劳动能力和待业时获得物质帮助的一种社会保障制度。完善社会保险是建立社会主义市场经济体制的客观需要。然而,社会保险在现阶段的运营中并不十分尽人意。一、存在问题(一)“基金”征集手段乏力,欠收严重。社会统筹保险制度建立了八年,但基金的收缴并不理想。据调查,某市1994年度劳动、人事部门社会保险机构应收退休养老基金2915.4万元,实际收缴2667.3万元,欠收248万元,历年累计欠收513.7万元,应收失业保险基金197.4万元,实际收缴115万元,欠收82.4万元,历年累计欠款172.4万元。形成部分基金长期不能到位,其隐患不容忽视。(二)“基金”被挤占挪用有些地方政府和主管部门政策和法制观念淡
Social insurance is a special consumer fund formed by the state through legislative means of compulsory measures to allocate and redistribute national income so as to guarantee that the workers receive a material support when they temporarily or permanently lose their ability to work and remain unemployed. Perfecting social insurance is an objective need to establish a socialist market economy. However, social insurance is not very satisfactory in its operation at this stage. First, the existing problems (A) “Fund ” means of collection weak, owed serious. The social pool insurance system was established for eight years, but the fund collection was not satisfactory. According to the survey, in 1994, the city’s labor and personnel department social insurance institutions should receive 29.154 million yuan of retirement pension funds, 26.663 million yuan actually collected, 2.68 million yuan owed, and a total of 5.1737 million yuan owed over the years. The unemployment insurance fund should be 1,974,000 yuan Yuan, the actual collection of 1.15 million yuan, owed 824,000 yuan, over the years accumulated arrears 1.742 million yuan. The formation of some funds can not be long-term place, its hidden dangers can not be ignored. (2) “Fund ” was diverted to misappropriation Some local governments and departments in charge of policy and legal concept of light