The "eleven increase in pension" is still not enough to meet the needs of the elderly.
origin: People's network Author: Wu Qiuyu
a healthy pension system, should be based on basic endowment insurance, enterprise annuity, commercial insurance. Together, we can not expect the basic pension insurance to do all things well, to achieve "old and old", but also need families and individuals to take precautions, do a good job outside the social insurance
"the price is so high, the basic pension of 70 dollars can only be pocket money", "prices rise year by year, one thousand or two thousand per month." The enterprise pension of the yuan money must be used tightly. With the introduction of the reform plan of pension system in institutions and institutions recently, people pay more attention and expectation to social endowment insurance.
the realization of "old and old" is the most simple desire of people's life. It is also one of the important goals of the social development in the traditional culture. The old man who is busy for a lifetime should get the respect and care of the society and enjoy the old age.
however, although the ideal is full, the reality is very bone feeling: "eleven continuous rise" pension can not be very good to meet the needs of the elderly life, even if the highest level of security in Beijing, 3000 yuan per month enterprise workers pension gold flowers also must be careful, not to say that 140 million can only take the basic pension pension. The elderly residents in urban and rural areas.
on the other hand, the operation of endowment insurance fund is also unsatisfactory: in 2013, the endowment insurance fund of 19 provinces in our country is not offset, the gap of revenue and expenditure is 170 billion 200 million yuan, and many provinces rely on the central financial transfer payment to maintain the normal operation of the fund. At the national level, the basic pension insurance fund for enterprise employees has been growing below expenditure for 3 consecutive years, and the potential for continued improvement in the level of old-age security is declining.
is more worrying than the reality of the "bone sense". It is a misunderstanding of people's understanding - the social insurance is always the omnipotence, and it can satisfy the needs of all people indefinitely. A report from the center for pension and retirement from the center for strategic and international studies in the United States shows that 63% of the residents in our country believe that retirement is on the government and only 9% of the residents think they are responsible for their retirement.
in fact, a healthy old-age insurance system should be composed of basic endowment insurance, enterprise annuity and commercial insurance. In this, social insurance provides the most basic guarantee, and the enterprise annuity and commercial insurance are the main force to guarantee "the old and old". Under the influence of the operation purpose and risk control, as the social security for providing the bottom, the operation efficiency, the service level and so on, there is a larger gap than the commercial insurance. It is not expected that all things will be done well by social insurance, and the enterprise and individual need to take precautions and do a good job of society. Work outside of insurance.
is different from the "big head" of social insurance in the old-age insurance system in China. In the old-age insurance system of the United States, 40% is the burden of social insurance, 40% depends on the enterprise annuity, and 20% depends on the individual to buy commercial insurance. Among the 167 countries in the world, the annuity system of over 1/3 countries covers about 1/3 of the labor population. The annuity coverage of Denmark, France and Switzerland is almost 100%, and the UK, the United States, Canada and other countries are also around 50%. In many developed countries, the pension system of enterprise annuity has become a comprehensive extension of the law compulsory old-age insurance system, and personal purchase of commercial pension insurance can enjoy a large margin of tax incentives and policy encouragement.
in view of our country, only 5% of the 300 million people who participated in the basic old-age insurance for urban employees have enterprise annuity protection at the same time. Personal purchases of commercial endowment insurance are few and far between. China's per capita long-term life insurance policy holds only 0.1 copies, far below the level of more than 1.5 developed countries.
China is the most populous and fastest growing country in the world. In 2025, 10 years later, the total number of elderly people will reach 300 million. In addition to continuing to weave the basic old-age insurance network, it is imperative to develop enterprise annuity and commercial insurance. At present, the pilot of personal tax deferred commercial pension insurance has been started. At the same time, the state also needs to guide the enterprise to establish the enterprise annuity system as the basic worker's welfare, and become the second big net outside the basic old-age insurance.
and strengthening the commercial insurance guarantee function as the third big net, it is both an opportunity and a challenge for the insurance company. To really pick up the burden, the insurance company should more practice the internal work, strengthen its ability in the development of product and fund management, and provide the society with a higher level of support for the aged. It is an important support for people to be "old and old".