灵活就业人员养老保险扩面问题研究——以南昌市为例
Research on the Expansion of Pension Insurance for Flexible Employees—Taking Nanchang City as an Example

当前我国城镇就业压力日渐增大，灵活就业形式随之发展起来，已成为缓解就业压力的重要途径。但同时，灵活就业人员规模的不断扩大，给养老保险制度带来了不小的挑战，如何扩大灵活就业人员养老保险覆盖面成为亟待解决的问题。灵活就业人员在参加养老保险时，存在参保率低、断保现象普遍、个人缴费比例过高和转移续接困难等问题，本文从强化灵活就业人员的参保意识、提升灵活就业人员自身参保能力、调整缴费基数、比例及个人账户分配比例、完善补贴和激励政策、推进灵活就业人员养老保险信息化建设步伐等方面提出具体建议，以期提高我国城镇职工养老保险制度对灵活从业群体的容纳性、适应性。
At present, the employment pressure in China’s cities and towns is increasing day by day, and flexible employment forms have developed accordingly, which has become an important way to relieve employment pressure. But at the same time, the continuous expansion of the number of flexible employees has brought a lot of challenges to the pension insurance system. How to expand the coverage of flexible employees’ pension insurance has become an urgent problem to be solved. When flexible employees participate in pension insurance, there are common problems such as low participation rate, common discontinuation of insurance, excessive personal payment ratio, and difficulty in transfer and connection. This article focuses on strengthening the awareness of flexible employees to participate in insurance and improving flexible employees themselves. This article proposes to strengthen the awareness of participation, enhance the ability to participate in insurance, adjust the payment base and the proportion of personal account allocation, improve subsidies and incentive policies, and promote the construction of pension insurance information. The purpose is to improve the tolerance and adaptability of China’s urban employee pension insurance system to flexible employment groups.