1.覆盖率太低。我国现行失业保险制度覆盖率很低,仅覆盖城镇正式职工,对非公有制经济纳入失业保险还重视不够,私营企业及其他类型企业参保不到位,大量的城镇企业下岗职工和农村剩余劳动力,没有纳入失业保险的范围之内。据《中国统计年鉴》资料显示,1996年我国公有制经济(国有企 1. Coverage is too low In our country, the coverage of the current unemployment insurance system is very low, covering only the formal workers in cities and towns, paying insufficient attention to the incorporation of unemployment insurance into the non-public-owned economy, lack of participation in the private sector and other types of enterprises, a large number of laid-off workers in urban enterprises and rural surplus labor force Included in the scope of unemployment insurance. According to “China Statistical Yearbook” data show that in 1996 China’s public-owned economy (state-owned enterprises