灵活就业人员失业保险制度出台难原因剖析及对策建议

就业和社会保障两者之间的关系是相互促进、相互影响的。随着灵活就业人员规模的不断扩大,完善灵活就业人员社会保障已成为维护灵活就业人员自身权益和扩大社会就业的迫切需要。但在目前灵活就业养老保险和医疗保险制度已相继出台并完善的背景下,灵活就业人员的失业保险制度仍难以实施。其根本原因在于失业保险相对于养老保险和医疗保险而言有其自身特点,主要体现在:灵活就业人员失业与否界定难;失业保险金的享受概率与养老保险和医疗保险不同且无个人账户影响了参保意愿。因此,应针对失业保险制度自身特点制定灵活就业人员失业保险制度。

Analysis and Countermeasures on the Difficulty of Enacting Unemployment Insurance System of Flexible Employment

The relationship between employment and social security is mutual promotion and mutual influence. As the scale of flexible employment continues to expand, it＇s urgent to improve social security of flexible employees. But in the current context of pension insurance and medical insurance system of flexible employment has been successively introduced and perfected, the unemployment insurance system of flexible employment has not taken seriously. The fundamental reason is that compared to pension insurance and medical insurance, unemployment insurance has its own characteristics, such as： it＇s difficult to define whether unemployment or not, the probability of unemployment insurance and no individual accounts affect the insured will. Therefore, it needs to enact the unemployment insurance system according to its own characteristics.