新乡市行业协会的调查与建议

行业协会是由同一行业的企业法人、相关的事业法人和其它组织依法自愿组成的、不以盈利为目的的社会经济团体。其宗旨是为会员提供服务，维护会员合法权益，保障行业公平竞争，沟通会员与政府、社会的联系。促进本行业发展：其职能定位应该是代表本行业全体企业的共同利益。向政府传达企业的共同要求，协助政府制定和实施行业发展规划和行业管理法规，并对本行业进行各种考评、审核、统计、调研，制定和执行各种行约行规，协调各企业间的经营行为，为企业提供各种信息、培训、考察、交流等服务。     

The NDC Model： A Way to Resolve Moral Hazard in China＇s Social Security System

Since the mid-1990s, China has adopted a partially funded pension scheme in building its social security system. However, after nearly 10 years of operations, people found that the serious moral hazard problem of contribution defaults and loss of control concerning pension payment stemmed from this partially funded pension scheme. This institutional arrangement has also resulted in the so-called “adverse selection in non-market institutions”,which in turn is capable of destroying the current system. This article argues for the introduction of the Notional Defined Contribution (NDC)scheme, because it can solve the problem of moral hazard and adverse selection. Moreover,it can solve the problem of a lack of institutional conditions for the entry of the social security fund into the stock market. It is important to note that the NDC scheme fully conforms to the initial intention of the policy-makers who designed the partially funded pension scheme in mid-1990s.