Change the way that enterprises bear their own retirement expenses, and the social insurance institutions or tax authorities will uniformly collect retirement expenses from enterprises and employees according to a certain calculation base and extraction ratio, forming a retirement fund managed by society; The retirement expenses of enterprise employees are paid directly by social insurance institutions, or by banks, post offices and enterprises, so as to balance and reduce the burden of retirement expenses of enterprises and create conditions for equal competition among enterprises.
Extended data:
Precautions:
1, pension = basic pension+personal account pension.
2, personal account pension = personal account storage amount ÷ months (the number of months is determined according to the retirement age and the average life expectancy of the population at that time. Calculated months are slightly equal to (average life expectancy-retirement age) X 12. At present, the age of 50 is 195, the age of 55 is 170, and the age of 60 is 139, which is no longer unified.
3. Basic pension = (average monthly salary of employees in the province last year+average monthly payment salary indexed by myself) ÷2× payment period × 1%= average monthly salary of employees in the province last year (1+ average payment index by myself) ÷2× payment period × 1%.
4. In the formula: my indexed monthly average payment salary = the average monthly salary of employees in the whole province in the previous year × my average payment index.
People's Daily Online-Pension Reform: Social pooling is combined with individual accounts, and individuals pay 8%.