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失业保险制度具有“及时雨”和“保护伞”的功能。但是,我国现行失业保险制度尚存在着保险覆盖面较窄、保金筹措渠道少、资金缺口大、制度本身不够完善等缺陷。完善我国失业保险制度,必须切实加强失业保险的法制建设,认真做好失业保险基金监管和失业动态监测,努力完善失业保险激励机制。
The unemployment insurance system has the function of “timely rain” and “umbrella”. However, the existing unemployment insurance system in our country still lacks defects such as narrower insurance coverage, fewer insurance financing channels, large funding gap and imperfect system. To perfect the unemployment insurance system in our country, we must conscientiously strengthen the legal construction of unemployment insurance, conscientiously monitor the unemployment insurance fund and dynamically monitor the unemployment, and strive to improve the incentive mechanism for unemployment insurance.