Luận án hoàn thiện pháp luật bảo hiểm xã hội ở việt nam lý luận và thực tiễn

* DAI HOC QUOC GIA 11A NOI TRUONG DAI HOC KHOA HOC XA HOI VA NIIAN VAN -ti 4-0 NguyGn Huy Ban ll( JAN T1IIEN I’HAP IAJA ! BAO IIIKM XA II()l (J VIET NAM - LV LUAN VA TIIUC TiitN Chuyen uganh ; LY LUAN NIIA NUOC VA PIIAPQUYEN MA SO : O5O5OI LUAN AN PHO TIEN SI KHOA HOC LUAI HOC ! Ngudi liuong dan khoa hoc : i L\/ 4^ I - PGS.PTS Nguyen' NtEiT -2- P I'S Pham Cong Prijr Ila Noi 1996 >• MUC LUC LOI NOI DAll Trang I - Tinh cap thiet cua de lai’ 2- Muc dich , pham vi va nhiein vu nghien cuu cua de lAi < 3- Phuong phap nghien cuu 4- Nhung dong g6p chlnh cua loan an 5- y nghia (hire lien cua luan an 6- Kei can cua Juan an 5 CIIUONG I MOT SO VAN Dlt LY LUAN VIC Sl/DUhl CIIINII CIJA PIIAP LUAT i)6l V6l HAO IIIEM XA 1101 1- Khai niem, pham vi, doi lirong ap dung va nhung nguyen ide co ban cua bao hie'm xa hoi II Sir dieu chi'nh cua phap luai doi v6i bao hie'm xa hoi 1H-Phap luai qud'c ie ve bao hie'm xa hoi 28 42 CllirONG II TH VC TRANG PHAP LUAT BAO 1IIEM XA 1101 VA SI/CAN TIIIET PHAI HOAN TI1IEN PHAP LUAT BAO IlIEM XA HOI VI$T NAM Dac diem ve sir hinh lhanh va phai irie'n phap luai bao hie'm xa hoi a Viei Nam II Thue irang phap luai bao hie'm xa hoi Viei Nam HI Hoan ihien phap luai bao hie’m xa hoi la you cdu khach quail cua co che kinh ie m6i va sir phai irie'n cua xa hoi I 53 61 72 CIIUONG HI NHUNG GIAI PHAP N1IAM HOAN I HIEN PHAP LUAT VA CO CHE TIIUC H1EN PHAP LUA I BAO I11EM XA HOI VIET NAM I- Nhung quan die'm chu yeii v6 bao hie'm xa hoi II- Nhung giai phap cu the nham hoan ihiOn phap luai va co che ihuc liicn phap luai bao hiein xa hoi III Su can Ihiei ban hanh Luai Bao hiein xa hoi Ktl luan 79 93 123 129 Ldl NOI DAU 1- Tinh cap thiet ciia de tai Co the’ ndi rftng , sau lien luong hoac lien cOng ihi tro cAp bao hie’m xA hoi diroc cOng nhAn vien chi'rc nhA nude vA ngudi lao dong rft'l quan lAm, vi no cd y nglna ihiei than do'i vdi ddi sOng ciia ho gap phiii nhttng inrong hop nii ro phiii nghi vice , khOng co ihu nhAp nude la chinh sach, phap luai bao hie’m xa hoi da chinh thurc ihirc hien hon 30 nam Do hoan canh lich sir ciia dAt nude irudc day , chinh sach, phap luAl bao hie’m xa hoi diroc ihuc hien irong co che lAp irung , bao cap , irudc viec chuye'n ddi sang nen kinh 10 ihi inrdng co sir quan ly ciia nhA nude da va dang bOc 10 nhieu nlnroc diein ca iron binh diOn ly luAn , cung nhir ihirc lien, cii irong van ban phap luAl , cung nhir id cliirc Ihirc hien De' co can cir cho viec hoach dinh chinh sach , che ve bao hie’m xa hoi ddi voi ngudi lao dOng irong giai doan hien phii hop vdi co chC kinh ie moi va ddng bo vdi cac chinh sach kinh ie - xa hoi khAc, thi viec nghien cuu co so ly luAn , thirc lien ve bao hie’m xa hoi va nhttng giai phap nhAm hoan Ihien phap luai bao hie’m xa hoi la rAl cAp ihiei Bao hie’m xa hoi la moi linh vuc rai phirc lap lien quan nhieu den kinh te , xa hoi, chinh tri ciia dai nude Do ,bao hie’m xa hoi luOn luOn la vaii de quan lAm ciia ban hei cac qudc gia Iren lhe gidi Bao hie’m x3 hoi dA lOn lai va phal trie’n hem 100 nam nhirng vAn co nhttng quan die’m , y kieii khac ve ddi lirong va pham vi ap dung , ve mO hinh id chuc thuc hien v.v Nhttng nOi dung chira ihdng nhai ve bao hie’m xA hoi the' hien chu yeu d nhttng klidi xudng ciia cac chuyen gia ndi lie'ng nhir Bismac ( Dire ) , Uuouquc ( Phap ) , B.C ( Nga ) v.v (j nude la , viec nghien ciru ve bao hie’m xA hoi mdi diroc dal nen chira c6 mot cOng trinh nghien ciru chuyen sAu ve bao hie’m xa hoi ma chi co mOl sd de lAi khoa hoc nghien ciru ve thong ke bao hiein xa hoi, ve lAi chinh bao hie’m xA hoi, hoac moi so che bao hiein xa hoi cu lhe Vi lhe , irudc cAc yeu cAu cAp ihiei ciia cOng lac hoach dinh chinh sach, xAy dung phap luAl bao hie’m xa a * • hoi, cOng lac nghien curu khoa hoc , cOng l£c quail va d£o lao ve b^o hie'm xa hoi , chung lOi chon de lai " Hoan ihien phap luai bao hie’m x3 hoi d Viet nam - Ly luan va (hire lien ” de' nghien curu va viei luan an cua minh vdi mong muon gop phan lain sang id ve ly luan va ihirc lien ve bao hie'm xa hoi va lim c&c giai phdp nhSm hoan ihien phap luai bao hie'm x2 hoi a Viei Nam 2- Muc dich , pham vi va nhiem vu nghien curu cua de tai De lai nghien curu vdi pham vi sau : - Danh gia dung Ihirc irang viec ihirc hien phap luai bao hie'm xa hoi d nude la irong lheri gian qua Vd hien - I ren co sd dudng 10'i ddi nidi cua Dang , cua Nha nude , linh hinh ihirc lien cua Viei Nam va lham khao kinh ngliiem ve phap luai bao hie’m xa hoi cua cac nude Iren the gidi, lien hanh nghien curu gop phan xay dung he thOng quail diein ly luan , phiri/ng phap luan ve bao hie’m x3 hoi irong dieu kien ndn kinh ie ihi inrang d nude la - Khuye'n nglii nhung phirang liirdng va nhung giai phap lam co sd de' hoan lliien phap luai ve bao hie'm xa hoi Pham vi nghien ciru nham , mOl mal , lam sang id v6 mat ly luan co che cua viec dieu chinh phap luai doi vdi bao hie'm xa hoi, mat khac , van dung nhung van de ly luan vao viec xem xdl nli&ng van de cu the' cua bao hie'm xa hoi d nude la , lien cu sd de xuai nhung khuye'n nghi v£ viec hoan ihien phap luai bao hie'm xa hoi Pham vi nghien cuu cua de lai dime cu the hoa bang viec giai quyei nhttng nhiem vu co ban sau : Xem x6i co che chung viec diOu chinh phap luai do'i vdi bao hie’m xa hoi - Nghien ciru nhung dac diem cua qua ii inh hinh lhanh va phhl trien ciia phap luai bao hie'm xa hoi d nunc la va nghien cuu , lham khao kinh nghiem dieu chinh phap luai bao hie'm xa hoi a mOl sd nude Iren the gicri - Uhn rd nhCrng die'm manh cflng nhu die’m yeu cua he ihOng phap luai biio hie'm x3 hoi hien hAnh - DO xuai nhung nOi dung co ban irong vide hoan Ihien phap luai bao hie'm xa hoi, ma cu the' la irong viec xay dung luai bao hie'm xa hoi d Viei Nam 3- Phuong phap nghien cuu Trong qua Irinh nghien cuu luOn sir dung phuomg phap luan cua chu nghia vat bien chung va vai lich sir , ngoai ap dung cic phuofng phap cu lhe' nhu : phuong phap liep can ho IhOng va phan lich ho IhOng , so sanh doi chiOu , phan lich IhOng ke Trong qua irinh nghien cuu c6 sir dung nhfrng sO' lieu IhOng ke cQa Bo Iuio dOng -Thuofng binh va xa hoi , BO Tai chinh, Tdng Lien doAn Lao dOng Viei Nam va lham khao nhieu bai viei , lac pham cua cac tAc gia irong va ngoai nude, cac dao luai cua nhieu nude Iren lhe gidi 4- Nhung dong gop chinh ciia luan an Day la cOng irinh nghien ciru dau lien d Viei Nam chuyen sau ve phap luai bao hie'm xS hoi Luan an cd nhOrng dong gop chinh nhu sau : - lxlm ro them mOl sd van de ly luan ve phap luai bao hie'm xA hoi nhu khai niem bao hiem xA hoi , y nghia , ban chai phap 1^ , pham vi , dO'i lirong , cac nguyen I Ac ciia bao hie'm xa hoi cung nhu mOi quan ho giuA mAl |>li;i|> ly voi cac mal kinh 10 , chinh lii , xa hqi ciia bao hid'm xa hOi - X£c dinh nhttng dac diem co han cua cac giai doan lich sir hinh lhanh va phdl irie'n cua phap luai bao hiein xa hoi - Lap luan linh iai yeu cua sir lhay ddi co che dieu chinh ph&p lua z t ddi vdi bao hie’m xa hoi phu hop vdi co che kinh ie mdi - Chi mdi1 quan he httu co giirS chinh sach kinh td vdi chinh sach xa hoi , giua sir dieu chinh kinh ie vdi sir dieu chinh phap luai ddi vdi bao hiein xa hoi - Kie'n nghi nhttng giai phap hoan ihien phap luai bao hie’m xa ho nhir ma rOng ddi urong ap dung ddi vdi moi ngudi lao dOng ; quy dinh loai hinh de' ngirdi lao dOng lham gia bao hie'm xa hoi la loai hinh bat buO va loai hinh nr nguyen ; quy bao hie’m xH hoi phiii hach lodn dOc lap va can ddi Ihu , chi ; ihirc hien bao hie'm xa hoi loan dien ; phan biei chuc ning quan ly hanh chinh va hoal dOng hach loan ddi vdi sir nghiep bao hie’m x hoi Trong cd kie'n giai ve co sd ly luan va y nghia thirc lien cua nhttng kie'n nghi - Luan chung ve su can Ihiei xay dung va ban hanh luai bao hie’m x hoi cung nhir de xuai mot sd nOi dung chinh cua luai bao hie'm xa hoi nhu ddi luong ap dung luai bao hie'm xa hoi lheo hinh thuc bat buOc v& hint thuc tu nguyen , ve he ihdng cac che irg cap , ve cac ngudn dong gdj vao quy bao hie’m xa hoi, ve id chuc quiin ly thuc hien luai bao hie'm xa ho v.v 5- y nghia thuc tien cua luan an : V Luan an co lhe' su dung lain lai liOu lham khao cho nhttng co quan v ngirdi lam cOng lac hoach dinh chinh sach , xay dung phap luai vd bao hi dr xa hoi , cho nhttng ngudi lam cOng lac nghien cuu khoa hoc phap ly hoa khoa hoc xa hoi DOng Ihdi luan an cd lhe' su dung de’ bien soan gift irinh giang day ve mOn luai bao hie'm xa hoi Irong cac Irudng chuyen luf hoac khOng chuyen luai 6- Ket cau cua luan an Luan an dime kei cAu phu hap vdi inuc dich pham vi va nhtem vu cua vice lighten curu , ngoai 16 noi ddu va kel luan , luan an gOni chumig : Chuang I : M6( so van de ly luan v6 sir diOu chinh cua phap luai doi vdi bao hie’m xa hoi Ch iron g II : Thue irang phap luai bao hio'ni xa hoi va sir can ihiei phai hoan thten phap luai bao hie’m xa hoi d Viei Nam Chuong III : Nhilng giai phap nliAm hoan ihien phap luai vA co che' Ihirc hiOn phap luai bao hie'm xA hoi d Viei Nam * V CHUONG ■ I' • MOT SO VAN Dis LY LUAN Vfi SV DlliU CHINH CUA l'HAP LUA I DOI VOl BAO HlisM XA HOI I - Khai niem , pham vi , ddi tugng ap dung va nhung nguyen Uc co ban cua bao hiein xa hoi Con ngudi muon idn lai va phai iridii, nude hoi phai co diOu kien bao dam ve an , mac , d v.v De' ihoii man nhu ciiu (di Ihie'u , ngudi phai lao dOng lam nhung san pham can ihiei Khi ciia cai xa hoi cang cd nliidu ihi mure ihoii man nhu cdu cang lang , nghia la viec ihoii man nhu cdu cho cuOc sdng phu IhuOc vao kha nang lao dOng ciia ngudi Tuy nhiOn , irong suoi cuOc ddi khOng phai nao ngudi cOng co lhe’ lao dOng lao ihu nhap , irai lai cd nhieu irudng hop rui ro xay khidn cho ngudi bi giam hoac mai kha nang lao dOng nhu dm dau, lai nan , gia yeu , that nghiep DOng ihoi, cuOc sdng cua ngudi phu IhuOc rai nhieu vao dieu kien lir nhien , mOi irudng x2 hoi Nhfrng didu kien khOng phai hie nao va d dau cling ihuan loi Khi gaj phai nhung irudng hop riii ro , Ihidu ngudn ihu nhap de' sinh sdng , ngudi da giai quyei bang nhieu each khac Tu xa xua ngudi da cd sir san se , dum hoc lan Iren linh than " nhudng com xe ao" ," la lanh dum la rach " Dac biei d nude la, sir ihirong yeu , dum boc , irq giup lan ciia ho hang , lang xdm , cOng ddng da ird lhanh mOl iruyen IhOng quy bau Cimg vdi sir phai irieii cua xa hoi , y ihirc cOng ddng luong tre lan dan dan duqc mo rOng Tu lhe ky ihu XVI, nhung ngudi nOng dan d vung ihung lung Anpo da sdm nhan lhay kha nang ddng gop cua cOng ddng de’ iro cap cho nhung ngirdi bi dm dau , lai nan Ho dQ lhanh lap nhung hoi luong ie vdi each ihuc mdi ngudi deu irich mOl phan ihu nhap ddng vao mOl quy chung phong dm dau , lai nan (hi dung quy dd de9 giup Nhung y6u id doan kei , hirong ihien da lac dOng lich cue deh y thfrc va cOng viec xa hoi cua cac Nha mroc dudi cac che xa hoi khac Sau cuOc each mang cOng nghiep Ian ihu nhai, doi ngfl nhOrng ngudi Um cOng , an irong lang iCn , cuOc sdng cua ho chu you dua vao (hu nhap lam thue dem lai Khi bi dm dau; lai nan , lhai nghiep hoac ludi gia sire yeu khOng Um viec diroc , cuOc song cua ho bi de doa vi khOng nguOn (hu nhap de' sinh sdng Do buOc phai ddi mat vdi nhirng rui ro irong cuOc sdng, da khieii nhirng ngudi lao dOng lim each khac phuc bang viec Up quy luimg ie de' iro giiip Un Nhung hinh (hire no giiip ur nguyen ciia ca nlUn , cua cOng dOng ddi vdi nhung ngudi gap phai hoan canh kho khan , liing quan dS gdp phan cho ho viral qua cam go , ihicii ihdn , nhirng linh chai ciia nhung hinh ihurc iro giiip iu nguyen la cue bd , khOng On dinh Trong xa hoi xuai hien yeu cau ciia su iro giiip cd lb chirc , co quan he rang buOc Vd van dd nily CacMac da chi sir can ihioi phai id chirc bao hie'm x3 hoi " Vi nhidu rui ro khac nen phai danh mOl sd lhang du nhai dinh cho quy bao hie'm xa hoi de' bao dam md rOng lheo kie'u luy lien qua irinh tai san xuai d muc can thiei , phu hop vdi sir phai irie'n cua nhu cau vA linh hinh tang dan sd " Nhieu nhttng cuOc da'u iranh nAy ird nen gay gdl , dnh hudng ldn do'n san xuai kinh doanh , trai iu an loan xa hoi nOn gidi chu va mOl sO Chinh phu da phai ihire hien iro cap ddi vdi nhung ngudi lam cOng An luong Nam 1850 , d Due da lhanh lap quy dm dau va bdi buOc cOng nhAn phai dong gdp de' iro cap cho nhung ngudi N benh iai Ddn nhtfng nAm 1880 cac hinh Ihuc luong iro xa hoi duoc mo rOng cho cac irudng hop tai nan , ludi gia cd sir lham gia dong gop vao quy xa hoi cua gidi chu va NhA nunc Tu , nhieu Nha nude da kin liroi ban lianh cac dao luai lam co sd diOu chinh cac nidi quan he v6 iro cap cho nhirng ngudi gAp nii ro , bai lianh I *• chua durgc de cap den Trong d6 , chinh nhttng loai ngudi lai cdn phai chu y den irudc nhai vi ho khOng co phirimg lien de' sinh sdng Bao dam xa hoi irong Hien chuong Dai lay dirong lai co nghia la "Su bao dam Ihuc hien qtfyen ngudi sdng irong hod binh , lu lam an, cu iru , dirge bao ve va binh dang irudc phap luai , dirge hoc tap , dirge lam ' viec va nghi ngoi , dirge pham soc y td va bao dam ihu nhAp"[53j Vdi quan niem thi pham vi eiia bao dam xa hoi lai qua rOng , bao gdm nhieu linh vuc , viroi khdi pham vi ve bao dam irg giup nhAm On dinh cuOe sdng eiia cac thAnh vien irong xA hoi va cd linh chai cua moi luyen ngOn - O nude la , khai niem bao dam xa hoi eilng dirge nhieu nha khoa hoc de cap den Theo giAo sir, lien sy Pham Minh Cirong Ihi " Bao dam xa hoi la sir bao ve eiia xa hoi doi vdi nhung lhAnh vien cua minh , irudc hei la irong cac irirdng hgp lung ihieii ve kinh id vd xa hoi , bi mAI hoAc giam thu nhap dang kd gap nhung rui ro nhu dm dau , lai nan lao dong , benh nghe nghiep , lan tai , mat viec lam , mai ngudi nuOi dudng, nghi lhai san , ve giA , irong cac trudng hgp bi ihiei hai ve thien lai , hoa hoan , dich hoa Ddng lhai xA hoi cOng uu dAi nhttng vien cua minh da xa than vi nude , vi dan , co nhttng edng hien dac biei cho su nghiep CAch mang , xay dung va bao ve Id qudc Mai khac cung cuu vdi nhttng vien lam lac mAc vao ie nan xa hoi , nhAm phdi hgp chAl che vdi cac , chinh sAch xA hoi khAc , dal tdi muc lieu dan giAu , nude manh , xA hoi vAn minh [3] Nhu vAy , d khai niem cd Ihd hidu bao dam xA hoi cd pham vi bao gdm cd bao hie’m xA hoi , curu irg xA hoi vA uu dAi xA hoi NgoAi viec dd cap den khia canh Irg giiip , edn nha'n manh ddn viec bdo dam vd ddi sdng van hoA , linh lhAn eiia bao dam xA hoi Pho giao su Tuong Lai quan niem " Bao dam xa hoi lA moi linh vuc rong Idn khOng chi bao ham sir bao ve eiia xa hoi ddi vdi moi ngirdi gAp phai ihiCu ihon ve kinh 10 , ma bao dam ve mOi irudng thuAn lgi de’ 11 Vui chirc nang chinh la giam sal quy biio hidm xa hoi , ndn ca cftii ciia HOi ddng quan ly bao hidm xa hOi bao gdm cac (hanh vien dai dien cua Nha niroc , cua ngiroi sir dung lao dOng va ciia ngiroi lao dOng , boat dOng lheo nguyOn lac ihoa ihuan Irong vide quydl dinh Nhiem vu chinh ciia HOi ddng quan ly bao hidm xa hpi la ban va bai mien tdng giam ddc , cdc phd idng giam ddc ciia id chirc biio hidm xH hpi ; quydl dinh lhanh lap cac chi nhanh bao hidm xa hpi lheo de nghi ciia lOng giam ddc bao hidm xa hpi; giai quydl cac khidu nai ve bao hidm xH hpi npi dung khidu nai clnra ddn muc phai dua loa an x6l xir Dd lhay rd van dd irinh bay , c6 ihd lham kluio inO hinh id chirc he ihdng quan 1^ ihirc hien bao hidm xa hpi dudi day : 120 MO 11 IniI TO CIKjC HE thong quan ly thuc hi£n bao hiem xa hoi ['rung tarn ! ; Bao hiem Yle _ I ■ Phong j Ke hoach Thong ke | Phong Ke loan Tai vu ; Phong Thu BH ! Xa hoi Phong Hilu tri I MSLD I Til tuat i ■ _ I | i Om dau Thai san TNLD BNN ‘ ! Chi nhanh cac tmh, j Chi nhanh I cap quan huyen ' ; Dai ly tra Ird cap : Phong Giai quyet \ Khieu to Phong \ To ch de ' I - I Phong : : Hanh chinh! : Tong hop j ‘ Phong : Thong tin iTuyen truver 6- Kdl hop chai che giira sir quan ly ciia Nha nude vdi sir lham gia ciia ngirdi lao dong viec ihirc hien phap luat bao hie'm xa hdi llau het moi hoal ddng (hire hien phap luai biio hie'm x3 hdi ddu nham muc dich bao dam quyen diroc iro cap cua ngirdi lao ddng Vi the , de' ihirc hien phap luat bao hie'm xa hdi cd hieu qua , can kdl hop chat che giira sir quan ly ciia nha.nude vdi sir lham gia ciia ngirdi lao ddng Sir lham gia ciia ngirdi lao ddng irong viec ihirc hien phap luai bao hiem xa hdi lhe' hien dudi nhieu hinh ihirc khac Trudc hei , ngirdi lao ddng Ihdng qua id chirc dai dien ciia minh la cOng doan de' thuc hien viec giam sal moi hoal dOng ve bao hie'm xa hdi Trong nhieu nam qua , Id chirc edng doan khdng nhirng chi' giam sal ma diroc Nha mrdc giao true liep quan ly , Ihirc hien cac che dd irq cdp dm dau , lhai san , lai nan lao ddng , benh nghe nghiep dal nhieu kdl qua Hien , Nha nude da cd quy dinh edng doiin chuyeii giao nhiem vu true lie'p quan ly cac che dd bao hiein xA hqi sang id chirc bao hiein xa hdi ciia Nha mrdc quan ly Sir chuyeii giao , nhftin lang cudng chirc nang quan ly ciia co quan bao hiein xa hqi cua Nha mrdc va phan biei rd chirc nang cua id chirc doan lhe' Sir ddi mdi cang doi hdi viec giam sat ihirc hien bao hiein xa hqi cua edng doan cac cap Mdi irong nhirng quan die'm cua Lenin ve IO chirc ihirc hien bao hie'm xa hdi la phai cd sir lham gia ciia quan cluing lao ddng |19] Bao hiein xa hdi cd dac die'm la cac hoal ddng chii ydu dien d co sd , d noi ngirdi lao ddng lam viec (J dd , viec ddng bao hie'm xa hqi va viec Ira irq cap bao hiein xa hqi dien ihudng xuydn Vi lhe , ngirdi lao dong ludn cam nhan diroc lac ddng cua cac hoal ddng Ihirc hien phap luai bao hiein xa hqi Hon hei , ngiroi lao ddng la ngirdi irqc liep ddn ddc , daii iranh vdi chii , ngirdi chii khdng ddng hoac ddng ihidu bao hidm xa hqi Ddng ihdi , ngirdi lao ddng cung la ngirdi h ire lidp chiu anil hudng cac muc iru cap khdng bao dam dn dinh ddi song ciia ho Cho nen , viec lham gia vao qua irinh l|iuc hien biio hidm xa hqi khdng chi co y nghia vd mai bao dam quydn diroc irq cap cho ngudi lao dong , ma ddng vai ird quan Irong ddi vdi viec Ihirc hien phap luai bao hidm xa hqi >- III - Sir can thiet ban hanh luat bao hiein xa hoi Sir edn ihidl ban hanh luat bao hidm xa hOi dua nen co so : Thu nha'l , bao hie'm xa hoi la mOl link vuc rOng Ion , phuc lap , co doi Iirong ap dung bao gdm nhieu dang lao dOng khac nhu cOng chuc , vien chuc , cOng nhan , phan vien , lao dOng tu nen de' mOl chirong irong BO Luai lao dOng la chua luong xurng vdi tarn quan Irong cua vah de Hirn nua , xei ve mai ly luan ihi quan he biio hie'm xa hOi chi la phai sinh eiia quan he lao dOng , cho nen bao hie'm xa hoi co ddi luong , pham vi luong ddi dOc lap , co lhe' lack nhu la mOl nganh luat bao hie’m xa hoi hoac bao dam xa hoi Thu hai , hfiu hei cac nude iron lhe gidi deu ban hanh cac dao luat bao hie’m xa hoi hoac bao dam xa hoi Nhirng niroc nhu Due , Anh , My , Lien xO (cO) , Phap ddu ban hanh luai bao hiein xa hoi hoac brio ddm xS hOi lir cudi lhe ky 19 hoac dau lhe ky 20 , Nhirng niroc kho'i ASEAN cung ban hank cac dao luai bao hie'm xa hoi nhu Philippin nam 1954 , Sinhgapo nam 1953 , Malaysia nam 1951 , Thai lan nam 1954 Thu ba , den mOl sd quy dinh Irong Chuang Bao hie'm xa hOi cua Bo Luai lao dOng chua phu hop hoac dap irng duoc ihuc lien ve biio hie'm xa hoi DO Ihi hank Bo Luai , nhirng van ban dirdi luai da duoc ban hanh kha nhieu Tinh ddn lhang 6/1995 Chinh phu da ban hanh Nghi dinh va cac BO da ban hank ThOng lir hudng dan ihuc hien , sdp Idi phai liep luc ban hanh cac van ban hudng dan khac DiOu gay khd khAn va chain ire cho viec ihuc ihi phap luai bao hie'm xa hoi Bao hidm xa hOi la mOl linh vuc phuc lap co quan he true lidp vdi hang chuc irieu ngirdi lao dOng , hang van co quan , don vi hoAc chu su dung lao dOng Iloai dOng biio hie'm xa hoi la mOl lap hop nhtnig khau vd ihu , chi bao hidm xA hoi , quan ly quy bao hidm xA hoi irong pham vi ca nuoc Bao hidm xa hOi lien quan ddn nhieu link vuc nhu lao dOng , lien luong , lai chinh va cac linh vuc xa hOi khac Do , de dieu chinh cac 123 quan lie va cac hoal dqiig cua biio hie'm xa hqi cAn co mdi van ban lAp Hung, ihong nhai , cd hieu lire phap ly cao , mdi cd hieu qua HiCn , Nha mrdc la dang ihuc hien chii iruong quan ly Nha nude bang phap luai lai ca nhirng chinh sach cua Dang va Nha nude irong cac linh vuc kinh id , van hoa ; giao due , xa hdi , hanh chinh v.v dang lung budc duqc quy pham hoa bang cac bd luai hoac dao luai Bao hie'm xa hdi la mdi bd phan quan lidng nhai irong bao dam xa hdi, vay cung phai duqc luai hoa bang mdi dao luai rieng Hien , dai nude la da co nhung dieu kien Ihuan Iqi cho viec xay dung va ban hanh luai bao hie'm xa hdi vi : - Ndn kinh ie nude la da bdi dau khoi khung hoang Chi lieu phai irie'n kinh IC may nflm gAn day dal ly le lir 8% den 9% , linh hinh lam phai dudi 10% Ty le lang dan so' hang nam giam dan , ke' hoach hoa dan so lheo muc lieu ciia Nha nude de lirng budc da duqc ihuc hien Nen kinh ie dang phai irie'n la mOl dieu kien rai quan irong de xay dung vA ban hftnh luai biio hiein xa hdi , nhai la cho viec ihi hanh luai ■ - Cling vdi sir phai iridn cua nen kinh 16 , linh hinh chinh iri , xa hdi d nude la nlnn chung la dn dinh va co nhieu lien bd Thu nhap cua ngudi lao ddng lirng budc dirqc cai ihien 'l heo sd lieu cua Vu Tien luong va lien edng IhuOc Bd Lao dOng 'Hiuong binh va xa hdi , ihi binh quan ihu nhap cua ngudi lao dqng lam edng , an luong irong nam 1994 dal 2,4 lan muc luong idi ihie'u Dieu lao dieu kien ihuan Iqi cho ngudi lao dqng lham gia bao hie'm xa hdi va dong bao hie'm xa hdi - Mdi irudng phap ly d nude la hien cung kha ihuan Iqi cho viec llurc Ihi luai bao hiein xa hdi Nhung quan he cd lien quan doh biio hie'm xa hdi deu da duqc didu chinh bang cac bd luai , dao luai hoac cac phap lenh nhu Bd Luai lao ddng , Luai doanh nghiep lu nhan , Luai dau lu vdi nude ngoai Luai si quan quan dqi nhan dan Viei Nam , Luai Dan sir, Phap lenh uu dai nhung nguoi lham gia killing chiCii Dong ihdi Phap lenh ve edng chirc dang duoc chuan bi ban hanh Dac biei la Nha nude da phe chuAn 12 ('Ong hoc quo'c id lao sir hoa nhap ciia mdi irudng phap ly Viei Nam vao 124 V' mOi irirong phap ly qudc id Hien cac co quan hiru irach ciia Nha mrdc dang nghien ciru irinh Nha mrdc phe chuAn COng irdc sd 102 ve bao hidm xa hqi - Phap luai bao hidm xa hoi d mrdc la da ihirc ihi hon 40 nam nen nhirng kinh nghiem vd quy irinh lap phap , hudng dan , kidm ira ihirc ihi phap luai bao hidm xa hoi cung diroc due kdl Irinh am hid’u phap luai bao hidm xa hoi ciia* moi ngiroi lao dOng va ngirdi sir dung lao dOng kha cao Day cling la moi didu kien ihuan loi cho viec xay dung mOl dao luai rieng vd bao hidm xa hqi Dd cho cac nha hoach dinh chinh sach cua co quan Nha mrdc cd co sd nghien ciru , xuc lidn viec hoan ihien phap luai biio hidm xa hqi xin dira phac ihiio su'dn ciia mOl dao luai biio hidm gdm Idi ndi dau va bay chirong Irong Loi noi dau , can ndu ro muc dich , y nghia,cua luai biio hidm xa hoi la sir biio ve ciia xa hoi ddi vdi cOng chuc , vien chuc va moi ngudi lao dOng phai nghi viec vi suy giam kha nang lao dOng , mdi viec lain , gia yeu va biio dam irq cdp cho gia dinh ngirdi lao dOng bi chdl Luat biio hidm xil hqi 1A ihd chd hod dirdng loi chii iruong cua Dang vA Nha nude irong linh virc lao dOng va xa hoi bang nhirng quy pham phap luai dd xay dung mOl xa hqi cOng bang , van minh , an loan Moi dim vi sir dung lao dOng , moi ngiroi lao dOng ddu cd Irach nhiem Ihirc ihi dung nhung quy dinh cua luai biio hiein xa hOi Prong Chuang "Nhung quy dinh chung" cd nhung didu quy dinh vd ddi luong, pham vi ap dung bao hidm xa hqi , cac loai hinh biio hidm xa hqi va cac nguyen lac co ban ciia biio hidm xa hqi : - Ddi lirong lip dung bao gdm cOng chirc , vien chirc va moi ngudi lao dOnglam cOng an luong (co quan he lao dOng) kd cii ngudi Viei nam lam viec liong cac id chuc , doanh nghiep ngiroi mrdc ngoai quan ly lai 125 Viei Nam hoac ngiroi niroc ngoai lam viec irong cac id chuc , doanh ngiep eiia Viei Nam - Ap dung hai loai hinh bao hie’m xa hqi la bdl buOc vd lir nguyOn Doi luong ap dung bao hiein xa hoi bdl budc la idl ca nhttng ngirdi co quan he lao ddng , lam cOng an lirtmg Ngoai nhttng doi luong ap dung lheo loai hinh bdl buOc la nhttng ddi luong ap dung lheo loai hinh lu nguyen - Cac nguyOn ide co ban la : ngudi lao dOng lham gia ddng gdp bao hie’m xa hqi cd quyen hudng biio hie’m xa hqi lheo luai dinh ; ngudi sir dung lao dOng cd irach nhiem ddng gdp bao hie'm xa hoi cho ngudi lao dOng ; cac muc iro cap bao hie'm xa hqi diroc ihirc hien Iren co sd phan phdi lheo lao dOng , luong iro x3 hqi va bao dam muc sdng dn dinh cua ngudi lao dOng Trong Chuong "Cac che bao hie'm xa hoi" cd nhttng dieu quy dinh vd dieu kien va muc iro cap eiia lung che bao hie'm xa hpi Cu lhe' la cac che dq iro cap dm dau , lhai san , lai nan lao dong , benh nghd nghiep , mai sue lao dOng , lhai nghiep , huu tri , chain soc y id , lur luai Nhu vay , ngoai che irq cap Chuong Bao hie'm xa hqi cua Bq Luai lao dOng , cd lhe' lhem che irq cap mai sue lao dOng , che' dq irq ca'p lhai nghiep , che dq chain soc y id Trong Chuong "Quy bao hie’m xa hqi" co nhttng didu quy dinh vd cac muc ddng bao hidm xa hqi cua ngudi su dung lao dOng , cua ngudi lao dOng va cua Nha nude COng nhu quy dinh each ihuc ddng bao hiein x2 hqi va cac nguyen ide quan ly quy bao hiein xa hqi Nhin chung , Chuong ndy cd lhe’ quy dinh gidng nhu Didu 149 cua Chuong Bao hidm xa hqi irong Bq Luai lao dOng , nhirng cu lhe’ hon va toan dien hon 126 V- Trong Chuong "TO chirc quan ly ihirc hidn bao hie'm xa hqi" co nhirng quy dinh vd chirc nang , nhiem vu ciia co quan quan ly Nha nude ve hao hiein xa hoi nhir: xay dung cac dir an luai bao hiein xa hqi , cac nghi dinh , ihong lir hirdng dan ihirc hien phap luai bao hie’m xa hoi ; kidm Ira , lhanh Ira viec ihirc ihi phap luai Ddng ihdi , quy dinh churc nang , nhiem vu ciia co' quan sir nghiep biio hiein xa hqi , bao gdm viec 10 chirc ihu , chi bao hiein xa hoi, quan ly quy biio hiem xa hoi Quy dinh chuc nang , nhiem vu cua Hoi dong quan ly bao hiein xa hqi la : giam sal cac hoal dOng ciia co quan quan ly sir nghiep biio hiein xa hqi , dd xuai nhung nOi dung can sura doi , bd sung phap luai biio hiem xa hqi , giiii quydl cac iranh chap vd biio hiein xa hqi muc dq chua phiii cd su can ihiqp ciia loa an , de nghi Chinh phu bd nhiem nhirng nguoi lanh dao ciia co quan quan ly sir nghiep bao hiem xa hoi Nhir vay , ngoai nhung nOi dung chii ydu quy dinh lai didu 150 ciia Chuong Biio hiein xa hqi irong BO Luai lao dqng , co lhem nhieu quy dinh khac vd chuc nang , nhiem vu ciia co quan quiin ly Nha mrdc vd bao hidm xa hqi , ciia co quan quan ly sir nghiep biio hidm xa hqi va ciia HOi ddng quan ly bao hidm xa hqi Nghia la xac dinh ro va day dii co che 10 chuc quan ly Ihuc hien phap luai biio hidm x2 hqi Irong Chuong "'Irach nhiem va quydn han ciia cac ben lham gia biio hidm xa hoi" co nhirng quy dinh cu ihd vd quydn han va irach nhiem ciia ngudi lao dOng : quydn duqc iro cap day dii , kip ihdi dii lieu chuan, quydn duoc khidu nai vdi cac co quan co lham quydn , Irach nhiem ddng brio hie'm xa hqi lheo quy dinh va gift gin nhung sd sach , gidy Id kd khai qua irinh lam viec dd xac dinh quydn loi vd bao hidm xS hqi Quy dinh cu Ihd vd quydn han va irach nhiem ciia ngirdi sir dung lao dOng : lu cho'i nhung yOu can vd biio hidm xa hqi khdng cd can cu phap ly , ddng bao hidm xa hqi day dii , kip ihdi lheo quy dinh ciia phap luai bao hidm xa hqi Quy dinh cu lhe' vd quydn han va irach nhiem ciia co quan quan ly sir nghiep bao hidm xa hqi : tu cho'i ira irq cap ndu khong dung doi luqng lheo luai dinh, id chirc ihu bao hidm xa hqi co hieu qua , Ira Irq cdp biio hidm 127 xa hpi day du , kip Ihdi cho ngirdi lao ddng , quan ly quy bao hie'm xa hdi dung cac nguyen lAc luai dinh llipn , Irong Chirong Bao hiem xa hdi ciia Bd Luat lao ddng khdng de cap den irach nhiem va quyen han ciia cac ben lham gia bao hie'm xa hdi Do vay , can Ihiei phai quy dinh vd vail de , de' ngirdi sir dung lao dpng , ngirdi lao dpng va co’ quan quan ly vd bao hiem xa hdi lhay ro, ihirc hien dung va iranh diroc nhirng vi pham cd lhe xay I rong Chirong "Giai quyei iranh chap va xu ly vi pham" co nhirng quy dinh ve Irinh lu va lham quyen ciia co quan quan ly sir nghiep bao hiem xa hpi viec giai quyei nhirng iranh chap giira ngirdi sir dung lao dpng , ngirdi lao dpng vdi co quan biio hie'm xa hpi ; lham quydn ciia Hpi ddng quan ly bao hiein xa hpi giai quyei nhirng Iranh chap giurS ngirdi sir dung lao dpng vdi ngirdi lao dpng hoac vdi co quan bao hiein xa hpi ; irinh lir va lham quyen xu ly vi pham ciia co quan bao hiein xa hdi , cua loa an lao dpng Trong Chirong "Dieu khoan Ihi hanh" co nhung quy dinh ve ihdi die'm cd hieu lire ciia Luat Bao hiein xa hpi , nhiem vu ciia Chinh phu ve id chuc ihuc hien luai va giai quyei ddi vdi nhirng ngudi lham gia bao hiein xa hdi trudc luai cd hieu luc ihi hanh Nhu vay , day la mdi dao luai luong doi hoan chinh , bao gdm lir vipc quy dinh cac nguyen lac chung , pham vi , doi luong ap dung deii viec quy dinh cac che dp irp cap cu the , viec dong bao hie'm xa hpi , quan ly va sir dung quy bao hiein xa hpi , vipc id chirc quan ly Ihuc hien biio hie’m xa hoi , giai quyei iranh chap va xir ly vi pham v.v Luai bao hiein xa hpi khdng chi lhe' hien duoc linh Ihdng nhai , loan dien ma irong mdi chimg muc nhai dinh co lhe' ndi rang nd du kien diroc mpl sd nhirng linh hudng irong lirong lai Nd se la dao luai cua ndn kinh ie hang hoa nhidu lhanh phan , van hanh lheo co che ihi irirong cd sir quan ly cua Nha nude , dinh hudng xa hpi chii nghia 128 KEI LUAN Bao hie'm xa hpi la mOl huh vuc phong phu , phuc lap , la doi luong nghien cuu cua nhieu khoii hQc kinh id , xa hpi , phap ly Vdi giac phap ly , bao hie'm xa hpi dupe hie'u nhu la idng hop nhung quy dinh de' dieu chinh cac quan he vd kinh id xa hpi nhSm muc dich bao dam tip cap de' dn dinh cuOc song cho ngudi lao dpng gap phai nhung " rui ro " irong qua Uinh lao dOng hoac gia ydu khOng kha nang lao dOng Nha nude quan ly l uy nhieu , qua qua Irinh phai irie'n cua xa hpi loai ngudi , dac biei la su phai Irien vd y ihuc bao vp cOng ddng vA su lidn bp cua viec xac lap cac quyen co ban cua ngudi ihi bio hie'm xS hpi cd y nghia qudc td sau sdc Phap luai dieu chinh bao hie'm xa hoi ihuc chai la viec bidn cac nOi dung kinh id lhanh cac quy dinh va dua cac quy dinh ay vao cuOc sdng , tu viec hinh lhanh quy bao hie'm xa hpi ddn viec ihuc hien cac chd dp bao hie'm xa hpi Vi vay , y nghia phap ly cua bao hie'm xa hpi ihd hien d chd bidn cac quyen loi ve bao hie'm xa hpi cua ngudi lao dOng irong Hidn phap cac quy dinh cu ihd Viei Nam , bao hie'm xa hpi dupe Nha nude chu y lir cd chinh quydn nhung nhung ly khach quan va chu quan khac nhu chidn iranh , chua nhan Ihuc dung cac quy luai kinh td , chua gdn vdn de kinh id vdi xa hpi nOn bao hidm xa hoi da hoc 10 nhung nhupc did'm chung , gidng nhu nhidu linh vuc kinh id xa hoi khac nhu vide lam , lidn luong , ciru irp xa hoi Tu cd Nghi quydl cua Dang vd ddi mdi loan dien cac mai kinh id, chinh Iri , xa hOi cua dai nude ma hong iam la chuydn ddi ndn kinh id lir co che quan ly hanh chinh , quan lieu , bao cdp sang ndn kinh id hang hoa 129 V- nhidu lhAnh pliiin van hftnh lheo co che ihi irudng co su quiin ly cua Nha nude , Ihi van dd biio hidm xa hoi duoc nhin nhan lai loan dien Sir ddi mdi co chd quiinly kinh id keo lheo sir ddi mdi co’ chd didu chinh phap luai ndi chung va phap luai bao hidm xa hpi ndi ridng Ndu nhir co’ cho cu lach rdi giua kinh 10 va xa hpi ihi cu chd mdi kdl hop hiru cu giua kinh id va xa hoi Ndu- nhir co’ chd cu lach roi giira edng hien va hudng ihu iln cu cho mdi koi hop giira nghia vu va quyen loi mpl each chai che Ndu nhu co' ehd cu phan biei ddi xir giua cac lhanh phan kinh id ihi cu chd mdi ihuc hien sir binh dang giira cac lhanh phan kinh id Nhung ndi dung ddi mdi ddi hdi cu ban phai hoan Ihien sir didu chinh cua phap luai bao hidm xa hpi Sir hoan ihien phap luai va co che ihirc hien bao hidm xa hoi la mpl qua irinh lir nhirng van ban dudi luai nhu Nghi dinh , Quyei dinh cua Chinh phu ban lianh , lidn idi mpl chuong irong Bp Luai lao dpng , rdi ird lhanh moi dao luai bao hidm xa hpi Dd la ihuc lidn cua nude ta va cung la xu ihd chung cua ihd gidi Chi nao chung la xay dung duuc mpl dao luai biio hidm xa hpi dap ung duuc nhirng ddi hdi cua ihuc id Viei Nam va co linh ddn ca ihdng le quoc id, ay phap luai biio hidm xa hpi mdi duuc xem nhu lirong ddi hoan chinh / 130 CAC CONG TRINH CIJA AC GIA DA CONG BO LIEN QUAN DEN LUAN AN - Nguydn Huy Ban Vd chO lirong him va Iro cap mdi sire lao dOng moi ban hanh lap chi Quan ly lao dOng sd 25 lhang 12/1985 Nguydn Huy Ban - Bao hidm xa hoi voi chinh sach lidn lirong mdi Tap chi Lao dOng va xa hoi 'sO nam 1991 3- Nguydn Huy Ban - Vd cai each chinh sach BHXH (Dd ddn HOi lhao qudc gia vd bao hidm xa hOi) Ky ydu Hoi lhao Qudc gia vd BHXH lhang 7/1992 4- Nguydn Huy Ban - Dd sdm cd he Ihdng BHXH phu hop vdi co chd ihi irudng 'l ap chi Lao dOng va xa hoi sd nam 1992 5- Nguydn Huy Ban - Ddi mdi chinh sach Biio hidm xa hOi hidn hanh Sach bdi dirdng nghidp vu nganh LD-TBXH lhang 10/1993 6- Nguydn Huy Ban - Quan ly nha mrdc vd bao hidm xa hOi Sach " MOl sd van dd ly luan vd chinh sach bao dam xa hoi mrdc la hien " Vien KHLD xuai ban lhang 11 nam 1993 7- Nguydn Huy Ban - Nhung co so ciia viec ddi mdi co chdquan ly biio hidm xa hOi Ky ydu de lai KX 04-05 lhang nam 1994 8- Nguydn Huy Ban - Nhung co sd didu chinh luong huu va irg cdp lheo budc cai each lidn luong Lap chi Lao dOng va xa hoi lhang nam 1994 9- Nguydn Huy Ban - Vai iro cua Nha nude , irach nhiem ciia ngirdi sir dung lao dOng va nghia vuciia ngudi lao dOng vdi quy bao hidm xa hoi l ap chi Lao dOng va xa hoi lhang nam 1994 10- Nguydn Huy Ban - Nhung quan didm nguydn lac ciia Didu le BHXH l ap chi Lio dOng va xa hoi lhang nam 1995 131 I AI LIEU THAM KHAO Tie'ng Viet: Bo Luat Lao dong - Cong bao sb 18, nam 1994, r 489 Cong itdc cua To chitc Lao dong Qudc te (1LO), Bo Lao ddng - Thitdng binh va Xa hoi xuat ban, qam 1994 Biti Th6' Citring " Mot s6 vdn de cd tinh ly luan cua bao dam xa hdi d mtdc ta hien nay", Bo lao dong - Thitdng binh va Xa hpi xuat ban, nam 1993, Tr 48-54.* Dd Minh Citring chu hien "Luan cd khoa hoc cho vide ddi mdi va hoan thien chinh sach bao dam xa hoi dieu kien nen kinh te thi tutting ri Viet Nam"’ - Bd lao dong - TBXH xuat ban, nam 1994, Tr 36 Nguyen Van Chau "Quan diem tai chinh viec ddi mdi bao hidm xa hoi" - l ap chi Lao dong Xa hdi, sd nam 1993 Dieu le lam thdi ve bao hiem xa hpi doi vdi edng nhan vien chitc NXB Lao dong, Ha noi nam 1994 Dieu le dai ngo quan nhan - NXB Lao dong, Ha noi nam 1968 Ky yen lloi thao quoc gia ve Bao hiem Xa hoi - V5n thit vu Bao hiem Xa hdi, Bo Lao dong - Thitdng binh va Xa hoi, nam 1992, Tr 9-12 Ket qua dieu tra mau - Ban chi dao tong dieu tra dan so Trung ddng xuat ban, Ha noi nam 1990, Tr 67-68 10 'Fran Dinh Hoan "Nhufng dinh hitting ddi mdi bao hi^m", Tap chi Lao dong Xa hoi, so nam 1992 11 Tran Quang Hung "Bao hie’m xa hoi ti mot so nitric tren the gidi" Tap chi Lao dong Xa hdi, sd nam 1993 12 Pham Gia Hai "Bao hie’m xa hdi khu vitc kinh td' ngofti qud'c doanh" - Tap chi Lao dong Xa hoi, so nam 1992 13 Nguyen Quang Hien "Thi kitting Lao dong - Thitc trang va giai phap" NXB Thong ke, Ha'noi nam 1994 14 Hien phap nitric Viet Nam dan chu edng hoa nam 1946, NXB Sit that H& noi nam 1976 15 Hien phap nitric Viet Nam dan chu cong hoa nam 1959, NXB Sit that LU noi nam 1976 16* Hien phap iiUdc edng hoa xa hoi chu nghia Viet Nam nam 1980, N> I SU that Ha noi nam 1984 17 Hien phap nu’dc edng hoa xa hoi chu nghia Viet Nam nam 1992, NX, Si/ that Ha noi nam 1993 18 Lenin Tuyen tap, l ap 17 - NXB Tien bo, Matxcdva nam 1978, Tr 246 19 Lenin Tuyen tap, Tap 32 - NXB Tien bo, Matxcdva nam 1978, Tr 140 20 Ho Chi Minh Tuyen* tap, Tap - NXB SU that, Ila noi nam 1987; 21 Mac-Anghen Tuyen tap, Tap - NXB SU that, Ha noi nam 1984 22 Mdc-Anghen Tuyen lap, 'l ap 12 - NXB Si/ that, I la noi nam 1984 23 Michel Albert "Chu nghia TU ban chdng Chu nghia TU ban", NXi Thong tin ly luan, Ha noi nam 1992, Tr 95-102 24 Nghi dinh so 12/CP ve Bao hiem Xa hoi - Cong bao so nam 1995 25 Nghi dinh so 45/CP ve Bao hiem Xa hoi quan nhan - Cdng bdo sd 21 nam 1995 26 Nguyen Van Phan "Tac dong cua Bao hiem xa hoi nen kinh t qudc dan", Tap chi Lao dong Xa hdi, so 11 nam 1993 27 Ila Ngoc Que "May y kien va kien nghi ve Bao hidm Xa hoi", Tap ch Lao dong Xa hoi, so 11 nam 1993 28 Ho Sy Ha "Kinh te Bao hiem", NXB Khoa hoc Ky thuat, Ha noi nam 1994 29 Mac Van Tien "Ong dung mot so phUdng phap thong ke nghiei cUu BHXH", Luan an PTS Khoa hoc Kinh te - TrUdng Dai hoc KTQD nam 1993 30 Vu Van Toan "Vai y kien ve that nghiep va trd cap that nghiep", chi Lao dong Xa hoi, so nam 1994 31 Nguyen Van Thao "Vai trd cua Nha nu’dc viec xay dUng, dieu ti va dinh hUdng cac hoat dong bao dam xa hoi", Tap chi Lao ddng ) hoi, so nam 1994 32 Tai lieu "Tdng kel 40 nam thi/c hien chinh sach ThUdng binh va hdi", Bo Lao dong - TBXH, nam 1990, Tr 16-22 33 Tai lieu "Tong ket 30 nam tlu/c hien Bao hiem Xa hoi", Tdng Lien Lao dong Viet nam, Tr 10-18 34 'fap the tdc gia "Chinh sach xa hoi, mot so van de ly luan va thi/c tidn Vidn Khoa hoc Lao ddng va Xa hdi, n&m 1993 3[jv Van kien Dai hoi Dang loan qudc lan ihu' VII, NXB Su’ that, Ha n< nani 1991 l ieng Nga: 36 AimpecB B.C "O upimiuiibix coBercKoto coiuiajibuoro oGecneueitnfl Mock Ba 1976 37 Aiuipccu B.C "l ipaBO connajibiioio o6ecnc‘ienmi b CCCP", Mockbh 1980 38 /laiiiiuoB A.H "•MapKcn3M-Jlenrni3M o comuuibitOM oOeciieueim Tpyiuimixca", Mockbu 1978 39 SaKon o rocyaapciBennbix iieiimnix CCCP - M.ocKBa 1978 40 3akoi i o iiciiiiiBix ii nocoGmix hjiciiom kojixobom CCCP - Mockbh 1978 41 VpaxaeB M.H Taut Ke iit 1975 "Coiuiajtbitoe o6ecneiietme ii lipaBO rpaxoiaua* Tieng Anh: 42 "Department of Social Security", Commonwealth of Australia, 1993 43 Law on Social Security of USA - ILO Geneve, 197’8 44 Law on Social Security of the Philippines - 1LO Geneve, 1978 45 Law on Social Security of France - 1LO Geneve, 1978 4G Law on Social Insuiance of Japan - ILO Geneve, 1991 47 Law on Social Security of China People Republic - 1LO Geneve, 1991 48 Law on Social Security of Germany Federal Republic - ILO Geneve, 1991 49 Law on Social Security of Australia - ILO Geneve, 1991 50 Law on Social Security of Singapore - ILO Geneve, 1991 51 Law on Social Insurance of Thailand - ILO Geneve, 1991 52 Law on Social Insurance of Holland - ILO Geneve, 1991 53 "Social Security" - ILO Geneve, 1992 54 "Social Security Program throughout lhe World", Department of Health and Human Services 55 Year Book, ILO, Geneve 1992