失业保险制度具有保障失业者基本生活、促进就业和预防失业的基本功能。通过对北京市失业保险金水平及支付的研究发现,目前北京市失业保险金存在水平较低、保险基金支出相对较窄和失业保险金支付模式单一等问题。因此,本文主张以需要和激励为基本原则,构建起与社平工资、最低工资及城镇居民基本生活费用价格指数相关联的失业保险金标准决定机制,并建议采用失业保险金递减支付模式,进一步扩大失业保险基金支出范围,从而促进我国失业保险制度更好更快地发展。 The unemployment insurance system has the basic functions of guaranteeing the basic livelihood of the unemployed, promoting employment and preventing unemployment. Through the study on the level and payment of unemployment insurance in Beijing, it is found that at present the unemployment insurance benefit in Beijing is low, the expenditure of insurance fund is relatively narrow and the mode of payment of unemployment insurance payment is single. Therefore, this paper advocates the need and motivation as the basic principle, to establish a standard decision mechanism of unemployment insurance premiums associated with the social security wage, minimum wage and price index of basic living expenses of urban residents, and proposes to use the unemployment insurance payment descending payment model, further Expand the scope of expenditures of unemployment insurance funds so as to promote a better and faster development of the unemployment insurance system in our country.