Study on the Optimization of Social Insurance Management Services for Human Resources in Colleges and Universities

The management and service of social insurance in colleges and universities are facing the dual challenges of institutional obstruction and technical shortage. Its optimization needs to break through the traditional "risk hedging" framework and shift to the governance paradigm of "human capital appreciation". This study, by constructing a multi-agent collaborative governance system and a digital transformation path, reveals the theoretical logic and practical mechanism of the transformation from "segmented management" to "full life cycle services". The research finds that institutional contradictions are mainly manifested as the identity barriers of the "dual-track system" and regional imbalances, while technological empowerment can achieve governance upgrades through data assetization and intelligent prediction models. The research innovatively proposes a three-layer architecture of "data middle platform - intelligent hub - service terminal", and constructs a risk transmission network and policy simulation sandbox, providing a solution to break the predicament of "passive response". Ultimately, the research emphasizes the need to establish a balance between technical rationality and humanistic care, and promote the transformation of social security services from a cost center to a value creation node through dynamic incentives and algorithmic auditing mechanisms.