全面实施全民参保计划背景下扩大失业保险覆盖面研究

Research on Expanding the Coverage of Unemployment Insurance in the Context of Overall Implementation of the Nationwide Insurance Program

通过建立失业保险参保率和受益率模型,利用2000—2016年宏观面板数据,对我国失业保险覆盖面进行研究,发现我国失业保险参保率和受益率双低。失业保险参保率和受益率双低的原因包括高失业风险群体参保率低、低失业风险群体参保率高、失业保险待遇支付条件较高。应扩大农民工、灵活就业人员、低收入劳动者失业保险覆盖面,优化失业保险制度设计,完善失业保险浮动费率制度,降低失业保险待遇支付条件。

Through constructing a model of unemployment insurance participation rate and benefit rate and making use of the macro panel data from 2000 to 2016,this paper studies the coverage of China’s unemployment insurance.The findings show that the participation rate and the benefit rate of the unemployment insurance in China are both very low.The reasons for the low participation rate and benefit rate of unemployment insurance include the lower participation rate of high unemployment risk groups,the higher participation rate of low unemployment risk groups,and the higher payment terms for unemployment insurance benefits.It is suggested that we should expand the coverage of unemployment insurance for migrant workers,flexible employees,and lower-income workers,optimize the design of unemployment insurance system,improve the unemployment insurance floating rate system,and lower the terms to pay unemployment insurance benefits.