To solve the problem of two-track system

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Recently, a black humor style news dumbfounding: 17 years ago, Huang Dabo do a rural social pension insurance, the results are now only receive two dollars per month - can buy a cucumber and less than one in green onions. This one reported by the media, was friends dubbed "the most cattle pension," said. After the crowd we also have to worry about starting their own pensions, fearing soaring CPI and negative interest rates will not put themselves into another Huang Dabo. In this regard, the insurance industry sources, commercial pension insurance may also not insured. Pekingese and Social Council official said, without worrying, two yuan pension is the case, the current pension and rural residents in Beijing has reached an average of 400 yuan.
 
■ event playback
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17 years ago today brought into the pension insurance 2 yuan per month
 
1995, who lives in 黄大伯 Jiaojiang District of Taizhou,Modelli Abercrombie, Zhejiang monthly wage is only $ 70, he spent 200 yuan "heavily" to his wife and son into the rural social endowment insurance. 17 years later, Huang Dabo one asked,hogan 2014, he brought his wife to go to either choose a one-time total of 300 dollars a pension, or to accept only get two yuan per month pension.
 
Then $ 12 monthly pension shrink government promised to 2 yuan why  Jiaojiang District Social Security Center deputy 任曹立 red explains, when this pension was introduced by the state departments of civil affairs, usually called the farmer Paul, in fact, a peasant-style pension savings accumulated. According to estimates of the annual interest rate was 12 yuan monthly pension, but in recent years has been reduced bank interest, the results led to a "two-dollar pension" come out.
 
■ public voice
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"Non-civil service are likely to 'Huang Dabo'"
 
Miss Zhao (Beijing white-collar workers):
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I want to feel a sense of security, what to buy insurance would be useless, if not civil servants, everyone could become a "Huang Dabo."
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Take us home for it, before my mother retired civil servants family level, currently there are more than 3400 yuan monthly retirement pay, but also rose, up a few hundred dollars every time. In our little city, wages prevalent in more than 2000 yuan, like her enough income levels in the local had a very "with dignity"; the grandfather, county level cadres,scarpe hogan uomo, higher retirement pay, there are more than five thousand yuan; and I Dad, SOE leaders, reportedly to retire when he was 60 years old, pensions can only get 2000 yuan; grandmother,louboutin pas cher, a retired director of the department of the hospital, the current pension has only 2000 yuan succeed.
 
Such a reality makes me depressed. Like my dad and my grandma, pre-retirement are considered "successful", but a retirement income levels for new employees and their same units. I like ordinary workers to retire too badly into what ah  Some people say "a monthly income of 7500 yuan insecurity", if the pension "dual track" Without reform, even if the monthly income of two or three million, there is no sense of security!
 
"Old people can not afford the rising prices."
 
Ms. Cao (Beijing white-collar workers):
 
I've seen that "two yuan pension," the news, in fact,longchamp homme, I think that money is not only the design of the insurance problem is the cause of more price increases.
 
I have three years ago into a commercial insurance dividends, annual pay over 4000, to pay for 30 years. According to the expected return, after the expiration of insurance would be able to receive 380,000 yuan. But over the years prices have gone up so fast, and so this insurance expires, even if true, can receive 380 000, the price level a few years later, a few months will not be enough for food money, become another "Huang Dabo"  Hard to say.
 
But do not buy insurance, deposit receipts worse, stocks equal to throwing money, little hope of social security. At present the company to pay workers the minimum standard full insurance, retirement money to simply not guarantee living standards do not drop, the company did not add commercial insurance, can not afford to really sick old can not afford.
 
In short, the "system" outside people can not afford to have a variety of injuries. Compared insurance does not "insurance", I'm more worried about rising prices, or inflation may make us lose the protection of life.
 
"Because social security is low, geriatrics can not afford."
 
Zhang Xingui (Hunan Changde City, a town resident):
 
2 yuan monthly pension  There is such a thing, obviously bully people! I have to ask back to the town government who look we do not have social security so it does operands.
 
County last September we launched a pilot pension insurance for urban residents, like me, did not work unit, not participate in the basic pension insurance for urban residents to participate in most insurance. I am nearly 70 years old to father a fucked up 30,000 dollars, he would receive 800 dollars a month.
 
There are a lot not into social security, pay some money, some get too low. The town had appeared after the elderly to buy social security, to get the money too, so I really had had an illness does not go after he died ingesting pesticide.
 
■ authoritative interpretation
 
"'Two yuan pension' is the case."
 
Yung Shu Kui (Pekingese and Social Council Director at the urban and rural pension insurance):
 
Netizens completely unnecessary worry, a little over-worried. Two yuan pension just very extreme cases, people do not need to worry because such a news whether their pension will be substantially diminished.
 
First of all, this is only the farmer Paul,abercrombie new york, the pilot is personal savings accumulated pension formula relies entirely on the individual, but no later adjourned the insured to pay, in 2009 across the country since the new Social Security is not only so two dollars.
 
New agricultural insurance provides the basis for national unity in the minimum amount of pension is 55 dollars, will increase the part of the local financial criteria form the basis of the pension on the basis of this, plus individual pension accounts together constitute the residents' pension insurance.
 
Case Study of Beijing, the Beijing government pension burden of urban and rural residents has reached 330 yuan standard, plus the central government subsidy of 27.5 yuan and residents personal account income, pensions and rural residents in Beijing issued has reached an average of 400 yuan.
 
In short, the basic pension countries are related institutional arrangements will be with the economic and social development and improved, residents do not have to worry about inflation and other pressures brought about by the pension issue.
 
■ scholars view
 
"Need to be resolved before the pension dual track"
 
Yang Yan Sui (director of Tsinghua University Employment and Social Security Research Center):
 
"2 dollars agricultural insurance," the news is just a small aspect of the legacy of the social security problem, do not have a representative present, should be concerned about the pattern of social security pension equity issues, such as has been widely criticized pension "dual track."
 
Businesses and employees contribution rate of 28%, but only in exchange for 1362 yuan pension (2010 companies insured retiree pensions for 1362 yuan per capita), also higher than the national minimum wage of 200 yuan; organs, institutions,hogan scarpe, staff no payment, usually able to have at least three or four thousand pension. Fair or not you say  Companies pay such a high rate, but due to the payment of social security reform before retirement "old regime",louboutin femme prix, when a large number of state-owned enterprise reform early retirement "human system", and have now retired workers, the burden is very heavy, how treatment will be high .
 
"Dual track" to form a long time: In the 1990s, companies included in the social security form a "combined with system account," the pension pattern; and organs and institutions are not included in the system, still the state's financial unified pension payment. More serious is that the current institutions and the civil service pension reform no progress in some areas, agencies and institutions and corporate pension "scissors" sign is still expanding.
 
To solve the problem of two-track system, China should end soon completely dependent on taxpayer money to provide public sector pensions backwardness, the first of the public sector pension reform organizations and institutions to promote the restructuring of China's pension. Now the public sector in most countries of the world and enterprise workers pension are integrated together, and all the old man made a basic pension,asics nimbus pas cher, and then to reflect differences in personal accounts.
 
In short, to change the pension "fragmentation" and "poor treatment" phenomenon, should gradually to plate-style "national basic pension balances" and "national personal pension account" paradigm shift. Which the central co-ordination of national basic pension, regardless of status, treatment should be about. Welfare is rigid and can not fluctuated, but it was not someone high low, this is the future direction of China's pension reform.
 
■ The industry view
 
"Commercial pension insurance may not insurance."
 
Wang Ming Fang (insurance industry):
 
My own insurance in 1996, a company pension, pay 160 yuan per year, has been handed in 2028. I am 55 years old from the start, I can receive 300 yuan a month pension until death.
 
From my own point of view, a total of 32 years, paid 5120 yuan, to receive 300 yuan a month, only 17 months, less than two years will be able to get back the principal. But from the perspective of the insurance company, they get the money in my hand is the result of 32 years of rolling and benefits, so I can receive a pension age of 55 when I first pen post 1996 has been 160 yuan lying in the bank for 32 years, the light will be able to go far beyond the interest of the principal amount of 160 yuan, this is the real profits to the insurance company places.
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Commercial pension insurance amount is fixed at the time the insured, and will not change over time, it will not rise and fall with changes in bank interest. I am 55 years old can get 300 yuan per month, this amount is insured in 1996 when he identified. But in 1996, the monthly income of the working class, but five or six hundred,louboutin france, 300 yuan equivalent to half a month's basic salary. By the 2028, 300 yuan can be stronger than 黄大伯 of 2 yuan pension to go  KFC meal  Plus hundreds of liters of oil  Hard to say.
 
Therefore, commercial pension insurance to the old Paul is not insurance, it's not just about the amount of energy received, there are a lot of factors. If this is to be considered, commercial pension insurance to old really there may be without insurance.
 
Edition have written / reporter Huang Rui Zhang Yixiao
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