一、覆盖面窄且难以扩大覆盖面难以顺利扩大,使得各项保险仍只能在以传统国有经济部门为主的范围内实施。而这一参保群体老职工、下岗职工多,养老保险抚养率、疾病发生率以及失业发生率都很高。所以,各项保险必须以高缴费率甚至通过逐步提高缴费率来维持收支平衡,进一步导致扩大覆盖面越来越难,缴费率越来越高,陷入恶性循环。 First, the coverage is narrow and it is difficult to expand the coverage is difficult to smoothly expand, making the insurance can only be implemented within the framework of the traditional state-owned economic sectors. And this insured group of old workers, laid-off workers and more, pension dependency rate, the incidence of diseases and the incidence of unemployment are high. Therefore, insurances must maintain a balance of payments at high payment rates even by gradually raising payment rates, further making it increasingly difficult for them to expand their coverage and paying higher and higher rates, putting them in a vicious circle.