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Accelerating institution pension reform institutions, the integration of urban and rural residents in the basic old-age insurance. Change "combined with system account" the basic old-age insurance system, implementation of book-entry system on behalf of individual accounts. ZhengBingWen believe that the system transition is not complicated, just to fund companies now pay for all pension pooling accounts assigned to individual accounts among the contributors. Under this system, the insured person's personal contributions paid to obtain business with will all become part of the future of the insured person's personal pension assets, a "pay more for much," incentives. At the same time, social pooling accounts canceled, personal pension standards associated with only the amount of individual contributions, age, etc., which have high fees, creates incentives to retire later. More importantly, this system would eliminate the current pension system "fragmentation" feature.
pension fund regional co-ordination to break barriers and achieve genuine national co-ordination. Pensions: how hundreds of billions shrink sustainable security Since the establishment of the pension system, the body is unknown due responsibilities and capital markets are not perfect, pension funds can only be used for investment banks and government bonds, leading to a continued depreciation of the huge pension fund. Although the level of corporate pensions experienced a 9 even tone, but "tomorrow I can get a pension it?" Questions linger in people's hearts. How to protect the sustainability of the pension fund has become an urgent need to study. Early anti-insured suffer? Reporters met a "old fogy" In the interview, farmers from Guangdong mountains Deng crown original nearing 55 years old, but he would prefer to play a variety of casual workers out of the city, is not willing to stay in the village has been lobbying the insured.
"Participation is not insured, 60-year-old get paid the same. The village subsidy top money? My son took the data counted, the 35-year-old and 55-year-old insurance insurance, retirement pension monthly difference of no more than two dollars, I also It is better to put the money in our hands. " Deng crown original calculations directly reflects the problems in the pension Kuomiangongzuo our country faced, due to lack of incentives, as early as the insured, people do not put in more than the late enrollment, with less people have more security benefits, resulting in Most young insurance are not enthusiastic. Kuomiangongzuo due to the need to allow time pay but also to the sustainable development of the pension system to stay hidden. Zhongshan City, Guangdong Province Social Insurance Fund Authority Zhang Jie Yi believes that Social Security would like to emphasize the obligations and rights on the other, if most people are "coming to an end insurance", there is no new endowment person. This means that a person has no obligation to make payment, but enjoy the social solidarity rights, which is not conducive to the sustainable development of the pension system and funds. Also in the context of the low contribution rate.
15-year life of the collection is also difficult to support the sustainable development of pension funds. Especially in the case of some provinces there is a gap in the pension fund, the payment period is too short to exacerbate the problem of funding shortfall. When experts calculations, the new agricultural insurance in pay 100 yuan, for example, at the current rate reached 60 years of age, the insured person may receive a monthly pension 69.03 yuan, that is 828.36 yuan per year. That means that the insured person always pay 1500 yuan, as long as pensioners 20 months to recover costs, after pure enjoyment guarantee fund, pension fund which would cause great stress. Early retirement overpaid money? Since 2005, the state has for nine consecutive years to adjust the basic pension for enterprise retirees after 2013 adjusted corporate pension reached 1893 yuan per month, compared with the level in 2005 of $ 700, 9-year cumulative increase of 1193 yuan, an increase of approximately 2.5 times. Pension adjustment is year after year were about 10 percent in some areas, according to the balance and the revenue of local funds, additional increases to retirees some "bonus".
a comprehensive counted down,barbour femme.