Some people borrow the current 15 years' pension payment years
should be extended by the people's Congress (
) on the basis of the current 15 years. [according to the law, the revision of the period of payment shall be completed by the NPC or the Standing Committee of the National People's Congress. The revision procedure is also a very long process.]
"reaching a consensus is not the same." In view of the hot topic of "prolonging the endowment insurance payment years", an expert invited to the top level design seminar of the Ministry of human society last week said to the first finance (micro-blog) daily.
in his view, the so-called consensus was that the subject group participating in the discussion considered the issue very important and suggested that the policy level should be adjusted, but it was totally two different from the final decision.
the expert also said that it was totally impossible for the media to say that the pension reform plan will be announced at the end of this month. "The government may have an account before the two meetings in March next year. But when no one knows when the plan comes out, I don't think I can come out very quickly, and many of these problems are very complicated."
although the extension of the pension payment age seems less resistant than the delayed retirement age, the problem actually faces is still intractable. First of all, the current age of 15 years has been clearly written into the social insurance law, and the issue of modification is legal. Secondly, a large proportion of the people who have stopped paying the fees for 15 years are the members of the social informal sector. Increasing the payment age will undoubtedly increase their economic pressure.
the dispute extended
"the seminar last week is a discussion. The top design of pension insurance is still in the stage of consultation and discussion, and there is no final plan." The expert said that it would be a long process to coordinate with the Ministry of finance to seek advice and even more high-level coordination between the Ministry of Finance and the Ministry of finance.
according to this newspaper, extending the endowment insurance payment age has always been a common topic in the research field of social security. At present, the minimum payment period stipulated in the system for 15 years is too short to make the insured accumulate too little, and the pension is not enough to maintain the expenditure of the old life. On the other hand, the payment pressure of the system is also increased.
"when we discussed the matter, we all thought that the matter of extending the payment age should be done, but the specific problem of how to do it was not resolved at the conference." The expert said.
however, the delay in pension payment is faced with the problem of procedural legality first. The sixteenth article of social insurance law adopted by
2010 stipulates that the person who takes part in the basic pension insurance will pay a total of fifteen years when the legal retirement age is reached and receive the basic pension on a monthly basis. People who participate in basic pension insurance can pay less than fifteen years when they reach the legal retirement age. They can pay the fee to fifteen years, receive the basic pension on a monthly basis, and can also transfer to the new rural social endowment insurance or the social pension insurance of urban residents, and enjoy the corresponding pension insurance treatment according to the regulations of the State Council.
in accordance with the law, the revision of the payment period should be completed by the NPC or the Standing Committee of the NPC. The repair procedure is also a very long process. The social insurance law has not yet entered the National People's Congress's recent legislative plan. It will not be until next year's two sessions that the National People's Congress will announce the legislative plan for 2014.
another unnamed social security expert thinks that, from the previous practice in China, the repair method is not a necessary condition for prolonging the endowment insurance payment period, and the government can first carry out the pilot, and then write the law after the experiment is ripe.
last week, the seminar did not discuss the details of the extension. The expert who took part in the meeting believed that it was necessary to make actuarial years for a number of years to be extended, but the data of the experts were theoretical and the real data were all mastered by the social department, so it was necessary for the Department to make a careful calculation. According to a person familiar with the matter, the data quality of the Ministry of human resources and social affairs still has much room for improvement.
flexible employment personnel affected by
China issued the decision on the establishment of a unified basic pension insurance system since 1997. The system began in order to cooperate with the reform of the state-owned enterprises. Only the formal workers in the cities and towns can participate in social security, and then they are popularized to the informal sector. It is called flexible employment. The twelfth article of the social insurance law of
stipulates that the individual industrial and commercial households without employees, non full-time employees who have not participated in the basic pension insurance and other flexible employment personnel to take part in the basic pension insurance, should pay the basic pension insurance premium in accordance with the state regulations and include the basic endowment insurance respectively. Co-ordinate funds and personal accounts.
flexible employment personnel payment and staff contributions are different, their rates are 20%, all their contributions, including 8% into personal accounts, 12% into the social co-ordination, and the unit staff rate is 28%, enterprises pay 20% into the social co-ordination, individual pay 8% into personal accounts.
the total rate of flexible employment is lower than that of the employees. This is the preferential treatment for the flexible employment of the system in order to expand the coverage. At the same time, the system also stipulates the standard of 60%~300% for the average wage of the society, that is, the minimum should not be less than 60% of the average wage of the society, and the highest should not be higher than three times. The situation varies from place to place, and in some places the standard for flexible employment is lower.
the reporter learned that most of the flexible employment personnel, especially those with lower income, are most likely to choose the lowest level of payment, while paying only 15 years.
, according to the social security experts, who are not willing to be named, this part of the people actually Hitchhiking the system, although the pensions they finally get are not much, but they are "subsidizing" them. For individuals, paying for pension insurance with such a low standard is still cost-effective, but it is unfair to other high standard people, and it is not conducive to the sustainability of the system. At the same time, the payment of time is too short and the pension is too low, and it is not enough to play the role of the old age.
delaying retirement age and extending the age of pension payment are two different policy choices that will affect different groups of people. For employees in regular employment, the age of pension payment is not a problem, many people work far longer than 15 years, and the delay of retirement has a rigid binding force on them.
for the informal sector of flexible employment, the extension of pension payment is the most direct impact. Although it is beneficial to correct the phenomenon of "hitchhiking", the amount and stability of this part of the people's income will be worse than that of the regular department, and the reform will undoubtedly aggravate their burden.
the above experts say the proportion of flexible employment in the total number of 300 million insured persons is not yet known, but the estimate should account for a proportion that is not small.