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have criticized the social security system.

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发表于 2018-9-7 12:48:59 | 显示全部楼层 |阅读模式
Some enterprises and employees have criticized the social security system.

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Recently, the personal income tax law has been amended to levy 5000 yuan per month. Officials have also given gifts in advance. A new tax threshold will be implemented on October 1.



The appearance of a picture makes this "happiness" instantly become "anxiety". Pictures posted on the Internet show that the same 5,000 yuan monthly salary, although the individual tax reduced to 0, but the social security fees need to be paid according to actual wages, and eventually the actual handicraft wages are reduced.



After the transmission of this picture, some media also carried out rumours and pointed out their calculation problems. In fact, this picture can not be generalized.



First of all, the lower limit of the social security payment wage base is not the local minimum wage standard. For example, Beijing's pension insurance, the minimum payment wage is 40% of last year's average social wage, 3387 yuan; Beijing's minimum wage standard is 2120 yuan, the difference between the two is more than 1,000 yuan.



Secondly, not all enterprises will have the problem of "cardinal nonconformity" before and after the reform. If the enterprise has been in accordance with the provisions of the payment wage base to pay social security, that does not affect the actual income of individuals.



But this did not stop the double worries of enterprises and employees, many enterprises complained that "the burden of the enterprise is too heavy", "many enterprises may fail in the future". The staff group also said that "to the handicraft less money".



According to the new levy policy, although the available wages have decreased, the social security fees paid by individuals and units have increased, and the interests of individuals have not been impaired.



In recent years, the Ministry of People's Social Security has put the "pegging adjustment" into the pension upgrade scheme every year when the pension benefits are rising, which embodies the incentive mechanism of "paying more and getting more" and "paying more and getting more for a long time", so that more employees who pay more and pay more for a long time can get pension.



Since "more pay, more get", and the proportion of individual payment is far lower than the unit contribution ratio, individual payment of social security premiums, units pay more, these will be accumulated into future pension benefits. Why are we so worried about overpayment of social security? In fact, behind this voice is a commonplace problem -- the trust in the social security system.



[old age question]



"Without social security system, individuals can not cope with aging".



"Can endowment really depend on social security?" With the deepening of the aging degree, the news of "overpaid" endowment insurance continues to stimulate people's eyes, some people also raised such questions. At the same time, in some areas of labor supervision and law enforcement, there are also many cases of entrepreneurs inducing employees to give up participating in social security.



Wu Yushao, deputy director of the National Ageing Office, said that by the end of 2017, 241 million people, accounting for 17.3% of the total population, were aged over 60. It is estimated that by 2050, the elderly population in China will reach a peak of 487 million, accounting for 34.9% of the total population.



It is predicted that the "dependency ratio" (that is, the ratio of the number of insured workers to the number of pensioners) will decrease from 2.8:1 to 4:3 in 2050. That is to say, by 2050, an average of 1.3 insured people will have to support an elderly person.



Looking back on the current situation of the pension fund, according to the annual report of the Ministry of Social Affairs in 2017, the total expenditure of the basic pension fund for urban workers last year was 385.2 billion yuan, while the levied income was 334.3 billion yuan. That is to say, the collection income in 2017 was not enough to fund the whole year.



The data show that in 2017, the basic endowment insurance fund will be subsidized by all levels of government, which means that more than 20% of the pension expenditure will be financially subsidized.



Recently, according to the latest data from the Ministry of Social Affairs, the financial expenditure on the basic pension fund has reached 64.186 billion yuan in the first half of 2018.



Officials from the Ministry of Social Affairs have also admitted on several occasions that the aging population is putting increasing pressure on pension fund payments.



"On the one hand, life expectancy is prolonged, and on the other hand, family planning leads to a decline in the number of people of working age. We have embarked on the road of aging in just a few decades. Zheng Wei, chairman of the Department of Risk Management and Insurance at Peking University, said there was concern about uncertainty in the future, a problem that exists all over the world, and that anxiety would be more serious in China. Zheng Wei also said that the country is now comprehensive measures to address the pension fund gap at all levels.



In recent years, in order to enrich the endowment insurance fund, the Ministry of People's Social Security has issued a number of measures, including promoting the expansion of endowment insurance collection, the start of universal participation in insurance, and the investment and operation of the endowment insurance fund.



Data show that the number of pension insured has increased from 81.96 million in 2013 to 91.54 million in 2017, an increase of nearly 100 million people. The total income of the five social security increased from 35253 billion yuan in 2013 to 67154 billion yuan in 2017.



At the same time, according to Lu Aihong, a spokesman for the Ministry of Social Affairs, since the endowment insurance fund was invested and operated, as of June this year, there have been 14 provinces (districts, cities) and social insurance fund councils in Beijing, Shanxi, Shanghai, Jiangsu, Zhejiang, Anhui, Henan, Hubei, Guangxi, Chongqing, Yunnan, Tibet, Shaanxi and Gansu. Signed the entrusted investment contract. The total amount of the contract reached 585 billion yuan, of which 371 billion 650 million yuan had arrived and began to invest. Lu Aihong also revealed that from the perspective of investment and operation, the rate of return on investment in 2017 was 5.23%.



Sun Jie, a member of the Chinese People's Political Consultative Conference and vice president of the Insurance College of the University of Foreign Economics and Trade, said that the aging of the population has a superposition effect. The aging process of the population in China is relatively rapid, and the problems at the present stage are more prominent, but the aging population is still relatively old.

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