TAP CHJ CONG THlTtfNfi
CHINH SACH BAO HIEM THAT NGHIEP TAI MOT SO QUOC GIA PHAT TRIEN
VA GOfI Y CHO VIET NAM
• N G U Y I N TH! THU HOAI
TOM TAT:
Bao hiem tha't nghiep cd vai trd ra't ldn khdng chi dd'i vdi ca nhan ngffdi lao ddng va doanh nghi&p, ma cdn ddng vailrdlhangbangnenkinh te', la li^u thud'c lam "ha nhidt" sff cang thang xa hdi do tinh trang tha't nghidp g^y ra, la mdt trong nhffng cdng cu di thffc hidn chinh sach an sinh xa hdi cua mdi qud'c gia. Dd'i vdi cac nffdc phal trien, he thd'ng bao hie'm tha'l nghi$p dtfdc coi la mdt cdng cu "hap thu sd'c tff ddng" cho nen kinh Id'. Nghien cffu ve chinh sdch bao h\im tha't nghiep tai mdt s6' qud'c gia se dem lai mdt sd' gdi y doi vdi viec thffc hi$n chinh sich bao hilm tha't nghiep tai Viet Nam.
TiJC khda: Bao hiem ihi't nghiep, chinh sach bao hid'm that nghiep.
1. Sff can thidt va vai trd cua bao hiem that nghidp
Bao hiem that nghiep la mdt loai hinh bao hiem lie'n bd khdng chi cd y nghia hd trd ngffdi lad ddng khi mat viec lam ma cdn cd gia tri dn dinh kinh td' - xa hdi dd'i vdi xa hdi, da't nffdc, Tren the'gidi, bao hiem that nghiep phat tnen khi kinh te' thi trffdng phat trien. Khi dd, thi trffdng lao ddng phat trien manh thi kha nang rui ro thai nghiep ldn. Bao hiem tha't nghiep chi cd y nghia trd ca'p cho ngffdi lao ddng mang tinh ngSn ban. Dd'i tffdng cua bad hiem tha'l nghiep tffdng dd'i hep, la nhffng ngffdi da cd viec lam, cd quan he lao ddng (cd hdp ddng lao ddng vdi ngffdi sff dung lao ddng) va ddng bao hiem tha't nghiep thi khi ma't viec lam se dffdc hffdng che dp bao hiem that nghiep. Thi trffdng lao ddng d Viet Nam hien mdi hinh thanh va cdn trong giai doan phat trien tha'p nen ne'u ap dung bao hiem that nghiep ma khdng cd tinh kha thi se lam mat dl y nghia xa hdi cua loai hinh bao hiem nay, Ngay 16/11/2013, Qud'c hdi da thdng qua Luat
Viec lam, trong dd cd ndi dung v^ chfnh sach bao hiem ihS't nghidp da tao ra khung phap ly kip thdi, tao dieu kien thuan ldi de ngffdi lao ddng va ngfftfi sff dung lao ddng trong viec tham gia bao hiem that nghiep, ddng thdi giup cho viec td chffc thffc hien bao hiem that nghiep dffdc thuan ldi hdn. Ngay sau khi Luat Viec lam dffdc ban hanh, Chinh phu va cac Bd, ban, nganh da khan irffdng xay dffng cac van ban hffdng din Luat Viec lam. Cd the ndi, cac quy dinh ve bao hiem tha'l nghiep da gdp phan dffa chinh sach bao hiem tha'l nghiep "gan" vdi cuoc sd'ng; la "Iffdi dd" an toan khi ngffdi lao ddngbi mat viec lam.
Sff ra ddi cua loai hinh bao hiem nay that sff la mdt bffdc tie'n ldn trong con dffdng phat trien cua nganh Bao hiem Viet Nam noi neng va nd life dam bao an sinh xa hdi cua Dang va Nha nffdc Ea ndi chung, bdi le tha't nghiep khdng nhffng anh hffdng trffc tie'p tdi ban than ngffdi lao ddng va gia dinh hp ma cdn cd tac ddng manh me ldi ta'tca c^c va'n de kinh te', chinh iri, xa hdi cua mdi qudc gia,
268 So 19-Thang 10/2019
Bao hid'm thai nghiep c6 vai trd rat ldn khdng chi dd'i vdi ca nhan ngffdi lao ddng va doanh nghiep, ma cdn ddng vai trd thang bang nen kinh te', la lieu thud'c lam "ha nhiet" sff cang thang xa hpi do tinh trang tha't nghiep gay ra, la mdt trong nhffng cdng cu d^ thffc hien chinh sach an sinh xa hpi cua mdi qudc gia.
2. Chinh sach bao hiem thS't nghiep t^i mdt s6'qud'c gia phat trien
Dd'i vdi cac nffdc phat trien, he thd'ng bao hi^m that nghiep dffdc coi la mot cdng cu "ha'p thu sd'c Iff ddng" cho nin kinh td', Nghia la khi kinh te' phat trien manh va ly le tha't nghiep giam, dong lien chay vao quy cao hdn ddng lien chi tra ra, cho ndn se lam giam bdt td'ng cau, Ngffde lai, khi kinh te' suy theai, ngffdi thS't nghiep dffdc nhan tien iff quy vffa giam bdt khd khan cho hp, vffa ngan khdng de tdng cau giam qua nhanh.
Die'm dac biet cua cd che' nay so vdi cac gdi kich thich tai chinh la da dffdc lu3t hda va van
hanh khdng can cd quan lap phap cho phep nffa, do vay nd cd tinh iff ddng va rat kip thdi. De tang cffdng hieu Iffc cua cd che' "ha'p thu sd'c Iff ddng"
nay, da cd de xua'l thay ddi mffc ddng gdp vao quy va mffc chi tra Iff quy luy thudc vao linh hinh kinh td'. Vi du khi kinh te' lang trffdng ndng, phf bao hie'm tff ddng dffdc nang len, vffa giup so' lien trong quy tang len nhanh hdn, vffa giam bdt nhu cau thud nhan cdng cua cac doanh nghiep va ha nhiet nen kinh te'. Khi kinh te' suy thoai, so' lien chi tra Iff quy cho ngffdi tha't nghidp dffdc tang len, kich thich td'ng cau manh hdn. Them vao dd, thdi gian dffdc hffdng bao hiem tha't nghiep cd the' dffdc keo dai ra trong giai doan suy thoai, vi luc nay kha nang tim viec mdi se khd hdn binh thffdng. Kinh nghiem ve chinh sach bao hiem tha't nghidp tai mpl so' qud'c gia cd the dem lai mdt sd' gdi '^ dd'i vdi viec thffc hien chinh sach bad hie'm thS't nghiep tai Viet Nam.
2.1. Chinh sdch Bdo hiem thai nghiep tgi Bffc
STT
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TieuchI
Ddi tuong hffdng BHTN
Dieu ki|n hffdng BHTN Mffc hffdng che dd BHTN (thu nh$p tLl BHTN khdng phai nop thue) Thdi gian hudng che dd
Giai doan khong du tieu chuan hffdng va mat quyen hudng
Sy dinh chi chi tra che dd
Bao hi^m tha't nghi$p tai Dffc - La ngudi bj that nghiep tam thcii< 65 tuoi
- Da dang ky tai cd quan viec lam dja phffOng du dieu kien ve thdi gian lam viec va ddng bao hiem,
- Chffng to dffdc ban than cd ndluc tim viec
- Cd hop ddng lao ddng > 12 thang trong mdt giai doan xem xet (3 n§m cuoi trudc khi dang ky that nghiep), trff trudng hop dac biet va da dong bao hiem that nghiep bat bupc.
- Do dac thti cdng viec iam dudi 1 nam can 6 thang lam viec + da ddng BHTN bat budc.
- 60% luong thffc te sau khi da \ris di cac khoan ddng gOp bat budc (thue thu nhap, ddng gdp BHXH, BHYT).
- Trudng hop cd it nhat mot tre phu thudc la 67% IffOng
- DUOC ddng BHYT trong quy y te cdng, va quy hUu tri bat budc trong thdi gian that nghiep.
- Khdng co thdi gian chd ap dung trudc khi nhan phuc loi cho ngudi that nghiep.
- Thdi gian hudng phu thudc vao thdi gian lam viec co dong bao hiem trudc dd va tudi ngudi lao dong.
- Bj tudc quyen hffdng che do trong vong 12 tuan neu bj cham dfft hop ddng do Idi vi pham hpp ddng hoac sai pham trong cdng viec.
- Ngffdi that nghiep tff chd'i nhan cdng viec dUOc de nghj b3i cd quan viec lam hoac tff chd'i tham gia cac chUOng trinh dao tao
- Ngudi that nghiep da tffng b\ tudc quyen hudng che dd trong 12 tuan va da nhan thdng bao bang van ban ve van de nay thi quyen hudng che do se vTnh vieh bi tUdc neu ddi tffcing vi pham mdt van de tuong tu.
• Bj ngffng chi trong thdi gian ngudi that nghiep nhan tien trd cap tff cac che dp BHXH khac nhu che dp dm dau, luong hffu.
So 19-Thang 10/2019 269
TAP CHJ CONG THIflfNG
Bad hiem tha'l nghiep dffdc ba't dau thffc hien tai Dffc vao nam 1919 va chinh thffc hda bSng mpl bp luat vao nam 1927, la mdt ca'u thanh trong he thd'ng bao hie'm xa hpi (BHXH) cua Dffc bao gdm bao hiem hffu iri, bao hie'm y Id' (BHYT), bao hi^m thS't nghiep, bao hie'm tai nan va bao hie'm cham sdc, Bao hiem tha'l nghiep la mdt chffdng irinh BHXH ba't budc dffa tren sff ddng gdp lai chinh cua ngffdi lao ddng va chu sff dung lao ddng. Nam 2003, ty le ddng gdp bao hie'm tha't nghiep la 6,5% Iffdng, trong dd ngffdi lao ddng ddng 50%, chi sff dung lao ddng ddng 50%.
2.2. Chinh sdch Bdo hiem that nghiep tai My Bao hiem tha't nghiep la chffdng trinh nSm trong Luat Bao hiem xa hdi cua Hdp chung qud'c Hoa Ky dffdc thffc hien tff nam 1935, gdmcd: he thd'ng cua Lien bang va Tid'u bang. He thd'ng Lien bang quy djnb chung, tff dd ca'p Tie'u bang hffdng dan, quan ly va thffc hidn chffdng trinh cua bang minh, Viec quan ly va thffc hien chffdng
irinh bao hie'm tha't nghidp d cac Tie'u bang cung khac nhau. Mdt sdTieu banged mffc hd trd that nghidp kha cao, mot sd' Tieu bang lai cd mffc tha'p hdn.
My la mdt trong nhffng qud'c gia cd nhi^u loai hinh bao hie'm that nghidp nha't tren the' gidi tidu bie'u vdi 7 loai hinh la: Bao hid'm that nghiep tren dien rpng, bao hiem tha'l nghiep danh cho nhan vien lidn bang, bao hiem that nghiep danh cho ctfu quan nhan, khoan idi ich md rdng danh cho cac khu vffe cd li le that nghiep cao, hd trd that nghidp do thien lai, phu cap anh hffdng thffdng mai, hd trd chd hdat ddng iff doanh.
- Dd'i tffdng dffdc nhan bao hiem that nghiep:
La nhffng ngffdi hi mat viec khdng do loi cua ca nhan ho, Hp van dang cd' gang tim kie'm viec lam, sSn sang nhan cdng vide mdi va ludn nd Iffc nham cha'm dfft tinh trang thS't nghidp. Nhffng ngffdi nay se dffdc hd trd mdt khoan lien theo ti le nha't dinh so vdi khoan thu nhap cu nhan trong nhffng thdi ki cu thd'.
Tien time BHTN
Qtiy TN
Luong tien chi tl a
Bdo hiem that nghiep Bang/Lien bang Qtiy bdo hiem thai nghiep lien bang v(i cdc ddng tien
Bao luat thue TN Lien bang
Tai khoan tl smh viec lam
Chi phi quanly hanh chinh cija bang- Lign bang
•* 100% ITC
" 97% ES
• ELSA/'ETS
Lu^t boi thuong TNEang
Tai khoan BHTM mo rong
Tai khoan TMLien
bang
PhSntienBHTlSr mc" rong do Lien bang chi tra
* Tien BHTN thuong xuyen do
bang chi Ira
* Phan tien BHTN mo rong
do bang chi tra
Chu tliiclr
^m^ Dong tien
^ ^ ^ : Sd hen cho \'ay kein lai
270 So 19-Thang 10/2019
- Muc dich cua bao hiem tha'l nghidp:
Ngan ngffa sff ba't en dinh ve kinh td', xa hpi;
hd trd, dao tao nham giup ngffdi lao ddng cd cd hdi trd lai thi trffdng lao ddng, tim viec lam mdi;
trd ca'p that nghiep va thay the' mdt phan thu nhap cho ngtfdi lao ddng bi ma't viec lam ma khdng phai ldi cuahp.
Cd the' nhan tha'y dffdc vai trd va mffc dd hidu qua cua bao hie'm tha'l nghiep dd'i vdi nen kinh td' My, dac biet la trong nhffng giai doan khung hoang, tuy nhidn bao hie'm that nghiep dii thai sff cdng bang chffa? Bdi mdi bang deu cd nhffng ngudn luat dieu chinh bang, khie'n cho nhieu ngffdi d§n khong hai long. Hp mong mud'n cd mpl mtfc trd c£p thd'ng nhS't tren ca nffdc. Them vao dd, phan ldn ngudn trd cap that nghidp la tff thud', Dd'i vdi nffdc dang phal trie'n nhff Viet Nam, ne'u trdng chd vao thue' de' trd cap cd the se dan ldi hau qua xa'u, khdng mong mud'n.
2.3. Chinh sdch bdo hiem thai nghiep tgi ChiLe Chile da xay dffng he thd'ng bao hiem thai nghidp Iff nam 1937, la nffdc d^u tidn d Tay ban cau cai each hd thd'ng bao dam xa hdi va la nffdc dau lien tren the'gidi thffc hien cai each thee tai khoan dau iffca nhan. Dd cung la mot con dffdng mdi cua mpl nffdc dau tidn sff dung tai khoan rieng trong he thd'ng bao hiem that nghiep.
He thd'ng bao hiem tha't nghiep chuye'n ddi hien nay cua Chile bat dau tff thang 10/2002, dffdc xay dffng tren cd sd sff sd hffu tai khdan ca nhan cho tinh trang ngffng viec va lam cd sd cho viec chi tra. Chffdng trinh bao hiem tha't nghiep mdi se dffdc ddng gdp nhff sau: Cd quan quan Iy bao hie'm that nghiep se trich tff thue' Iffdng dd' ngffdi lao ddng ddng gdp 0,6% lien Iffdng cua hp vao tai khoan rieng cua ngffdi Iao ddng, ddng thdi chu sffdunglaoddngddng2,4 vao tai khoan ridng va tai khoan chung (trong do: 1,6% vao tai khoan neng cua ngffdi lao ddng va 0,8% vao tai khoan chung). Moi lai khoan rieng se dai dien cho mdt ngffdi lao ddng va tai khoan nay ,se khdng dffdc rut ra, cho tdi khi ngffdi lao ddng chu ciia nd bi that nghiep hoac ve hffu. Ngffdi lao ddng cd the rut tien ngay khi hg cha'm dfft cdng viec hoac bi cho nghi viec tff cdng vide cud'i cung cua ho iff ngudn lai khoan rieng. Dieu dd tao cho ngffdi lao ddng linh hoai trong vide chuyen dd'i
chd lam viec. Didu kidn ve thdi gian ddng BHTN vSn phai keo dai du 12 ihang.
Thdi gian chd ddi de dffdc nhan lien tha't nghidp la 1 thang. Thdi gian nay dffdc quy dinh, nham thffc hien mdt loat cac dac trffng chi dinh nham thuc day sff can thie't tim vide lam mdi.
Thdi gian chd ddi nay dffdc coi nhff thdi gian
"ddng chi tra" trong boat ddng bao hid'm. Vide chi tra thang dau tidn cua ngffdi tha't nghidp hoan loan do ngffdi tha't nghiep tff ngudn tien rieng.
Mot thang chd ddi nay, ngffdi lao ddng phai tich cffc thffc hien cac ke'hoach tai hda nhap vide lam vi bao hidm that nghidp khdng tra tidn.
Thdi gian hffdng tha't nghiep keo dai nhieu nhat la 5 thang, thang dau se chi tra 50% ty le lien Iffdng (nham han che'sff keo dai td'i da). Cac thang kd'tid'p se giamdi mdi thang la 5% cho tdi 30% vao thang thff 5.
Tai khoan BHTN la mdt hinh thffc lai chinh cua bao hid'm that nghiep theo phffdng thffc lap quy, O day, ngffdi ta de cap dd'n mdt he thd'ng tai khoan ca nhan, ma d dd ngffdi lao ddng ddng gdp phan cua minh vao tai khoan va cung se rut tff tai khoan nay tien that nghidp trong trffdng hdp hi that nghiep. Sd' dtf tai khoan da ddng gdp theo kie'u tie't kiem se dffdc chi tra loan bp vao cud'i cudc ddi lao ddng cua ho.
Ben canh dd, Chinh phu cung lap ra mdt ngudn quy dtf trff cho nhffng ngffdi lao ddng nao ma tai khoan tie't kidm ca nhan cua hp khdng du de chi tra khi that nghiep. He thd'ng bao hiem that nghiep mdi d Chile, thffc cha't la kd'hoach tie't kidm bat budc, ma d do ngffdi lao ddng nhan dffdc ldi the' rieng do phffdng phap lai chinh, Ngffdi lao ddng se cd ldi ne'u hp khdng khi nao bi tha't nghiep. Do tai chinh cua bao hiem tha't nghidp theo phffdng thffc tidt kiem ca nhan nen da lao ddng Itfc thuc day cho ngffdi lao dong cd gang sdm tim dffdc vide lam mdi.
He thd'ng bao hie'm thai nghiep mdi dffa vao he thd'ng tai chinh lap quy cd hieu qua hdn ban so vdi he thd'ng tai chinh "loa chi - loa thu" trffdc day. Dieu do the hidn rd trong cac ndi dung quan ly tai chinh cua chffdng trinh bad hiem tha't nghiep mdi: vide thu va chi iff cac lai khdan ca nhan; cap nhat cac thdng tin thffdng xuyen, nd'u ngtfdi lad ddng chuyen ddi chii si) dung lao ddng;
So 19-Thdng 10/2019 271
TAP CHi CONG THIflfNIi
tinh trang tai khoan ca nhan theo mffc dp dau tff va sff theo ddi dong tien vao - ra cua quy chung.
Cd the tha'y, day la md hinh dang de' cho chung ta xem xet va hpc t3p,
3. MOt s6' gdi y cho Vidt Nam
Vdi muc lieu de'n nam 2025, Viet Nam phan da'u dat khoang 45% Iffc Iffdng lao ddng trong dd tudi tham gia bao hie'm xa hdi; trong dd, ndng dan va lao ddng khu vffe phi chinh thffc tham gia bao hiem xa hdi tff nguyen chie'm khoang 2,5% lu'c Iffdng lao ddng trong dp tudi; khdang 35% Iffc Iffdng lad ddng trdng dp tudi tham gia bao hid'm that nghidp; cd khoang 55% sd'ngffdi sau dp lud'i nghi hffu dffdc hffdng Iffdng hffu, bao hie'm xa hdi hang thang va trd cap hffu tri xa hpi; chi so' danh gia mffc dp hai long cua ngffdi tham gia bao hiem xa hdi dat mffc 85%.
Qua nghien cffu chinh sach bao hie'm tha't nghiep cua mdt so'nffdc phat trie'n Iren thd'gidi, cd the' tha'y ndi dung chinh sach va vide td' chffc thffc hien d mdi ntfdc rat khac nhau, do dieu kidn kinh td' - xa hdi, thdi diem trid'n khai cua mdi ntfdc khac nhau, Tuy nhien, cd the' rut ra mdt so' gdi y mang tinh tffdng dd'i did'ng nha't cd the nghien cffu md ra cac giai phap chd Viet Nam nhff sau:
Mdt la, cai each chinh sach bao hid'm xa hpi thffdng xuyen de' bao hid'm xa hdi thffc sff la mpl iru cdi chinh cua hd thd'ng an sinh xa hdi, tffng bffdc md rdng vffng chac didn bao phu bao hie'm xa hdi, hffdng tdi muc lieu bao hie'm xa hdi loan dan. Phal trie'n he thd'ng bao hie'm xa hdi linh boat, da dang, da tang, hien dai va hdi nhap qud'c le'iheo nguydn tac - ddng hffdng, cdng bang, binh dang, chia se va ben vffng. Nang cao hieu Itfc, hieu qua quan ly nha nffdc va thffc hien chinh sach bao hid'm xa hdi tinh gpn, chuyen nghidp, hien dai, hidu qua, tin cay va minh bach.
Hai Id, chinh sach bao hid'm tha't nghiep phai gan chat che vdi chinh sich thi trffdng lao ddng nhffcac chffdng trinh viec lam, dao tao va dao tao lai tay nghe cho ngffdi lao ddng, nham giiip ngffdi tha'l nghidp sdm cd cd hpi tim vide Iam mdi. Bdi le, trong trffdng hdp xay ra tha't nghiep hang loat
dd bid'n ddng ve chie'n tranh, khung hoang kinh td', thien lai... cIn phai cd them gia dd cua Nha nffdc, vi luc dd quy bao hiem tha't nghiep se khdng kham ndi. Ben canh dd, ban than chi phi dau vao cua cac doanh nghidp hien nay cung tang do gia hang hda trdn thi trffdng da hinh thanh mdt mat bang gia cao. Trong khi do, trong bd'i canh canh tranh va hdi nhap can phai cd giai phap giam chi phi d^u vao ndn nhieu doanh nghiep vIn lo ngai ndu ap dung chinh sach bao hi^m thS't nghiep, day la bai toan cua bao hid'm tha'l nghiep ma hien chffa cd bai giai nao thau dao. Vi the', cac cd quan hffu quan nen dac biet chff trpng vao mang dao tao nghe va gidi thieu viec Um mdi cho ngffdi that nghidp hdn la tinh todn de'n sd'tien ddng va hffdng.
Ba Id, de' bao hiem tha't nghiep that sff mang y nghTa xa hdi cua nd va lam cdng cu dac Iffc cho ndn kinh id'. Dang va Nha nffdc can chii trpng vao dao tao nghe, lap trung nang cao ca ve cd sd vat cha't va cha't Iffdng chd cac trung lam, cd sd day nghe. Bdn canh dd, can cd sff hdp tac va ddng gdp cua nhieu thanh phan kinh Id': cac doanh nghidp hay to chffc chinh phu, cac doanh nghidp Iff nhan, cac td' chffc phi chinh phu, hdp tac xa ndng nghiep, v.v... Cac to' chffc nay cd bd'n phan tham gia ddng gdp vao cac quy, thu gom lien ddng vao quy tha't nghiep cua lao ddng va ndp va bao cao cho cac quy bao hie'm tha'l nghiep ciia chinh phu trung ffdng va dia phffdng. Cac bao cao chinh xac se giup ngffdi bi ma't vide dffdc hffdng lien tha't nghiep xffng dang vdi sffc lao ddng va sff ddng gdp cua hp va giup tranh viec tra tien th^ft nghidp sai sdt va lam dung BHTN cua cac thanh phan khdng ddng gdp khac.
Bd'n Id, thffc hien cd hieu qua chinh sach bao hiem xa hot, giai quye't kip thdi, dung quy dinh cac che' dp, chinh sach ve bao hie'm xa hpi cho dd'i tffdng; tap trung vSn ddng phal trie'n dd'i tffdng tham gia bao hid'm xa hdi iff nguydn thudc cac ho kinh doanh ca the', cac tie'u thffdng..., tren cd sd dd tao dieu kidn thuc da'y, phat trid'n, md rdng do'i ttfdng tham gia bao hie'm xa hdi trdn dia ban •
TAI LIEU THAM KHAO:
1. Bdo hiem thai nghiep d Thuy Dien vd bdi hoc hllp.//www viol.info/mde.x.php/khxhvn/arlicle/viewFile/24164/20644
kmh nghien
272 So 19-Thdng 10/2019
2. Chien luge phdt trien ngdnh bdo hiem xa hgi Viet Nam den ndm 2020 duac Thu tudng Chinh phu phe duyet theo quyel dinh sd 1215/QD-TTg, ngdy 23/7/2013
3. He thdng bdo hiem that nghiep d DUc, https://webbaohiem.net/li-lhng-bo-him-tlil-nghip-c.litml
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Ngay nh§n bai: 22/9/2019
Ngay phan bidn danh gia va su'a chiya: 2/10/2019 Ngay chap nhan dang bai: 12/10/2019
Thong tin tdc gid:
TS. NGUYfiN THI THU HOAI
Tri/oTng Dai hpc Kinh te - Dai hoe Qud'c gia Ha Ndi
UNEMPLOYMENT INSURANCE POLICIES OF SOME DEVELOPED COUNTRIES AND SUGGESTIONS FOR VIETNAM
• Ph.D NGUYEN THI THU HOAI University of Economics and Business - Vietnam Notionol ijniversity - Hanoi
ABSTRACT:
Unemployment insurance plays a huge role for employees and employers. It also acts as a medicine lo cool down social stress and balance the economy due to unemployment matter.
Unemployment insurance is one of tools lo implement social security policies of countries. For developed countries, the unemployment insurance system is considered an "automatic sheck absorption" tool for the economy. This study analyzes unemployment insurance policies of some countries to give some suggestions for die implementation of unemployment insurance policies in Vietnam.
Keywords: Unemployment insurance, unemployment insurance pohcy.
So 19-Thang ]0/2019 273
