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When it comes to pensions, it is the "lifeblood" of our people. But do you know? In the mainland's pension system, there has always been an empty account problem of "deemed contributions." As the saying goes, "freezing three feet is not a day's cold," and the formation of this problem of empty accounts has to start from the beginning of the establishment of the pension insurance system on the mainland in 1997.
At that time, in order to quickly spread the system, we drew on the wisdom of the German "pay-as-you-go" model. For those employees who have entered retirement, their years of hard work are recognized as "deemed contributions", that is, they are deemed to have contributed to the pension system. This is intended to ensure that they can also enjoy the protection of the system, but it also lays a hidden danger for the subsequent pension system.
This empty account problem is like a boulder pressing on the pension system, making our future pension life full of uncertainty. And with the aging of the population and the change of labor structure, this boulder seems to be getting heavier and heavier. So, how serious is this empty account problem, and how can it be solved?
Speaking of this empty account, it is really not a trivial matter. It's like a timed bomb D, which can bring a fatal blow to our pension system at any time. You think, the scale of this empty account is getting bigger and bigger, and the pressure on pension payments in the future will be greater. When the time comes, will our pensions still be paid in full? This is really a headache.
On the other hand, the burden of social security premiums on private enterprises is not light. The excessively high social insurance rate has made many enterprises feel pressured. In this way, their participation in the insurance system will naturally decrease. But in this way, the source of funds for the pension system is one less piece. It's really a house leak that happened to rain overnight!
Fortunately, however, someone saw these problems and came up with a strategy to solve them. For example, gradually fill the pension gap, reduce the social security premium rate of private enterprises, stabilize the participation rate of small and medium-sized enterprises, and so on. These strategies sound great, but they are not easy to implement. After all, this involves the interests of all parties and requires the joint efforts of the government, enterprises and all sectors of society.
However, then again, isn't the implementation of these strategies exactly what our people are looking forward to? We all hope that the pension system can develop more healthily and sustainably, so that our old age life will be more secure and comfortable.
After some efforts, the problem of empty accounts has finally been preliminarily resolved. The government has increased financial subsidies, increased the rate of return on pension investment, and expanded the source of pension income. At the same time, the social insurance premium rate of private enterprises has also been reduced, and their insurance participation has also increased a lot.
All these changes have made us look forward to the future of retirement life. We believe that with the joint efforts of government, enterprises and all walks of life, our pension system will become more and more perfect, and our life in our old age will be better and better.
In short, pension is the "lifeblood" of each of us, and we should work together to protect it. Only in this way can we enjoy our old age with peace of mind and have a happy and happy old age.
The article is only a personal opinion, what do you think, veterans? Welcome to comment!