Abstract: As my country’s aging process accelerates, all sectors of society are paying close attention to the operation of the w88 casino games insurance system.1month8On the day of 8097_8112|, "China Youth Daily" launched the "What is more terrifying than empty accounts is the special report that young people have lost confidence in pension insurance” and the deputy director of the w88 casino of Insurance of w88 casinoChang SunjieThe professor conducted an exclusive interview. In this in-depth discussion, Sun Jie pointed out that although there are various problems in the actual operation of the system, social w88 casino games insurance is a reliable w88 casino games insurance. With the government, basic pensions must be guaranteed. At the same time, in accordance with the World Bank’s “three-pillar” w88 casino games insurance theory, many countries have implemented multi-pillar w88 casino games security. The government only provides basic w88 casino games insurance. If you hope that your quality of life will not decline after retirement, you also need supplementary w88 casino games insurance and commercial insurance.
Social security expert: Social w88 casino games insurance will not go bankrupt
Our reporter Zhouyi "China Youth Daily" (2015Year01month08日07version)
A few days ago, Finance Minister Lou Jiwei said that solid personal accounts are no longer sustainable, and nominal personal accounts are the next step to improve personal w88 casino games insurance models. What is a nominal account? What impact will the implementation of nominal account reforms have on the general public? Exclusive interview with China Youth Daily reporterSun Jie, Vice Dean of the w88 casino of Insurance, w88 casino。
China Youth Daily: How are nominal accounts different from our current w88 casino games insurance model?
Sun Jie: The current w88 casino games benefits are paid. The overall planning part is based on the average monthly salary of the local employees in the previous year and the average indexed monthly salary of the employee as the base. Every payment is full1issued in year1%. For example, handed in15Earned per year15%. This takes into account both personal historical contributions and local economic development levels. In terms of personal accounts, the monthly w88 casino games standard is the personal account savings amount (personal contribution amount+The return rate of depositing in banks and buying government bonds) divided by the number of months of issuance. now55If you retire at the age of 10960, except170months,60Exclude it if you retire at the age of 11027_11036|139Month. If a person lives a long life, such as living to90years old, his personal account90The w88 casino games may be paid out before the age of 11143_11166|, and then only the unified w88 casino games will be received.
After the personal account is changed from the accumulation type to the nominal system, there is no actual savings in the account. Personal contributions and their rate of return will be recorded every year as the basis for future w88 casino games payments. The rate of return for personal account contributions is determined by wage growth rate, population growth rate,GDPDepends on growth. Theoretically calculated rate of return can reach8%. Currently, accumulation-type personal accounts can only deposit money in banks or buy treasury bonds.2008The annual social security fund audit report of the Audit Bureau shows that the social security investment rate of return formed by five payments2%About.
The current personal account is mostly empty. The biggest benefit of the nominal account system is to alleviate financial pressure and the problem of maintaining personal accounts, which can be regarded as a good reform exploration.
China Youth Daily：2001At the beginning of 2012, our country tried to implement personal accounts on a pilot basis. Why has it not been continued now?
Sun Jie: my country was the first to pilot the use of central and local fiscal capital injections to solidify personal accounts in Liaoning, Jilin, and Heilongjiang. to2008Realized so far13Provinces. However, the implementation process consumes a lot of financial funds, the gap between the actual account amount and the empty account is getting wider and wider, and local governments are not very enthusiastic. Due to the narrow investment channels, the profit rate of personal accounts that have been established cannot be exceededCPI, depreciation occurred. The more real a personal account is, the greater the depreciation will be.
China Youth Daily: Can the nominal personal account system definitely achieve a higher rate of return?
Sun Jie：8%14040_14076CPI、GDP, wage growth, population growth, life extension and many other variables.
my country’s deep aging is concentrated in2030-2050Year. The population entering old age during this period is basically that of the last century50-70For those born during the baby boom period of the 1990s, the pensions they pay now are being paid to retired people. The pensions they need for retirement will be greater than the w88 casino games insurance fund formed by the actual contributions of the working people at that time. w88 casino games payments will be under pressure, so the implementation of nominal accounts cannot avoid the issue of maintaining and increasing the value of pensions.
In order to increase returns, investment channels and varieties may be broadened. How to grasp the risk and return rate is a difficult problem. At present, my country's capital market is not yet sound, especially the securities and stock markets. It is said that the stock market is a barometer of a country's macroeconomics, but the evolution and fluctuations of my country's stock market are often not consistent with macroeconomic development.
Under the accumulated personal account system, the country has also made efforts to maintain and increase value through investment. As a pilot,2009Guangdong once took out a personal account1000100 million to create a portfolio of investment products. However, there has been no public disclosure of relevant benefits so far, and it cannot be promoted as a good experience.
Of course, under the nominal personal account system, not all personal contributions will be used to invest in the capital market, but only a part of them will be used.
China Youth Daily: Can the nominal personal account system solve the transfer and continuation problems encountered in the previous accumulated personal account system?
Sun Jie: The problem of transfer and continuation is difficult to solve, mainly because the current uneven level of economic development in our country has led to the failure of national coordination of social security. For people who move between different regions, it becomes a difficult question as to which region's w88 casino games level should be calculated. Under the nominal personal account system, w88 casino games accounting will also be subject to transfer and continuation issues. A large amount of registration, verification, and recording work also challenges the service management capabilities of handling agencies at all levels.
China Youth Daily: Currently, many working contributors are worried that their personal w88 casino games will not be guaranteed in the future. What do you think?
Sun Jie: Funding gap refers to the actual situation of exceeding expenditures or exceeding expenditures. Although there are w88 casino games gaps in some provinces in our country, overall, the gaps have not yet appeared in the current period, or they may be subsidized by the finance.
Even if our country enters a deep aging process in the future and the w88 casino games gap does appear, the government will assume the full responsibility as the final responsible person. This is the huge advantage of social insurance over commercial insurance. We have multiple policies and measures to deal with the impact of future aging, including strategic reserves of the National Social Security Fund, transfer of state-owned shares, financial allocations, investment income, social charity, welfare lotteries, etc. This system will not go bankrupt, and the public should have confidence in the system.
If you want to have a higher quality of life in your later years, individuals can take out commercial insurance or purchase financial products based on their strength and needs on the basis of participating in social security.
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Reprinted
Sohu.com http://mt.sohu.com/20150108/n407638475.shtml
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Sina http://news.sina.com.cn/o/2015-01-08/065931374119.shtml
China Social Science Network
http://www.cssn.cn/shx/shx_gcz/201501/t20150108_1470814.shtml
