Dear Toutiao friends, when you read this article, please move your precious fingers to pay attention first, so as to better obtain relevant information, thank you for your support!
The mainland's old-age insurance, whether it is the old-age insurance for personnel within the system in the past, the old-age insurance for personnel outside the system of enterprise units, the new rural insurance in rural areas, or the current old-age insurance for urban workers, urban and rural residents' old-age insurance, and flexible employment old-age insurance, when was the new system established, how was it established, and what was modeled after it?
According to expert Sun Yansui, a member of the expert committee of the Ministry of Human Resources and Social Security, our country's old-age insurance system began in 1997, before that time, the mainland's social old-age insurance system was still a blind spot, and there was no social old-age insurance.
The social security of the elderly is becoming more and more urgent for the society and the elderly, and it is more and more necessary to establish and establish a system to ensure the normal and basic daily life needs of the elderly in the society, which is particularly important.
Therefore, with the reform and opening up of the mainland gradually into the deep water area, take the method of "going out and bringing in", learn from Germany's advanced pension insurance methods and models, and move Germany's pension insurance model back to the mainland, forming the mainland's current pension insurance system and model after 1997.
The implementation of the old-age insurance system that began in 1997 has no financial basis, and there is no penny of funds at the level of national old-age insurance.
Expert Sun Yansui said that the pension insurance fund account at that time was zero-based, so how did the implementation of this system start? At that time, the state treasury did not have the ability to advance this start-up fund, and all of it was realized by this new social security system.
At that time, the pension was completely dependent on the collection of premiums to the retirees to pay pensions, which was a process of "pay-as-you-go", fortunately, the number of insured persons was greater than the number of retirees at that time, and the "balance of income" of the pension insurance at that time was reached.
In fact, at this time, the pension insurance system was in debt during the start-up period, because the retirees at that time did not pay any insurance fees, and when they should pay the pension insurance premiums, the system was not started and not realized.
Therefore, after the implementation of the pension insurance system, all the "deemed payment" part of the length of service, the social security bureau recognized the payment, are arrears, are liabilities, are the pension insurance funds vacant part, is the funding gap.
Why is there such a big resource gap in the old-age insurance system at the beginning, and the more the system runs, the healthier and more normal it becomes? Because the number of people who participate in the old-age insurance and pay the premiums each year is far greater than the number of pensioners, which ensures that the old-age insurance fund can fully meet the pension of the retirees of the current year, and there is no need to worry about the pension, and the Social Security Bureau has no money to pay it.
Only when the aging of the society is the most prominent, the insured contributors are less than or equal to retirees, the pension fund is simply not enough to pay the current pension, that is, the pension insurance income is less than the pension received, there will be a pension insurance income and expenditure can not be balanced, when there is a gap in the pension fund, what should I do?
At this time, the country's economy has developed rapidly, the fiscal revenue has increased significantly, the national strength is strong, the country is rich and strong, this part of the funding gap, it will be borne by the national finance, all the insured people have no worries, it is reassuring, and will not be borne by the participants of the pension insurance.
This is the concept of "people's pension insurance run by the people, and the pension insurance for the people" has been fully embodied, which can demonstrate the superiority of the social system.
What do you think about this, please discuss it in the message area.