First, the choice and significance of pilot cities
The choice of pilot cities for personal pension is not arbitrary, but based on a series of considerations such as the level of economic development, the aging population and the perfection of social security system. Through the pilot projects in these representative cities, we can better understand the problems and challenges existing in the actual operation of the pension system, so as to formulate targeted improvement measures.
The establishment of pilot cities is of great significance for promoting the reform of endowment insurance system. First of all, pilot cities can provide experiences and models for nationwide reform. By summarizing and evaluating the achievements of pilot cities, we can extract successful experiences and practices and provide reference for the reform in other regions. Secondly, pilot cities can play a leading role and drive other regions to actively participate in the reform of the pension system. By showing the reform achievements and effects of pilot cities, we can stimulate the enthusiasm and motivation of reform in other regions.
Two. Work contents and objectives of pilot cities
The main tasks of individual pension pilot cities include formulating specific implementation plans, establishing and improving the pension system, and optimizing the pension investment and operation mechanism. Pilot cities need to formulate practical implementation plans according to their own actual conditions and the requirements of national and local policies to ensure the smooth progress of the reform.
The goal of the pilot cities is to establish a fairer and more sustainable pension system and improve the security level and payment ability of pensions. By optimizing the operation mechanism of pension investment, the value of pension can be maintained and increased, and the rights and interests of the insured can be effectively protected. At the same time, the pilot cities also need to actively explore the innovative model of the old-age care system, and provide beneficial exploration and attempt for the nationwide reform.
Three. Progress and achievements of pilot cities
Since the establishment of individual pension pilot cities, each pilot city has actively promoted the reform work and achieved remarkable progress and results. On the one hand, the pilot cities have made important breakthroughs in improving and optimizing the pension system, such as establishing a fairer and more transparent pension payment and collection mechanism and improving the level of pension security. On the other hand, pilot cities have also achieved positive results in pension investment and operation. By optimizing the investment portfolio and risk control mechanism, the pension has been steadily increased.
To sum up, 36 individual pension pilot cities are an important measure for the China Municipal Government to promote the reform of the old-age insurance system, aiming at exploring the innovative mode of the old-age insurance system by trying first. The choice of pilot cities is representative and can provide useful experience and reference for the nationwide reform. The work content and objectives of the pilot cities are clear, aiming at establishing a fairer and more sustainable pension system and improving the security level and payment ability of pensions. Remarkable progress and achievements have been made in the reform of pilot cities, which provides a useful reference for the national reform.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 12 stipulates:
The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.
The State Council's decision on improving the basic old-age insurance system for enterprise employees
(Guo Fa [2005] No.38) clearly points out that:
In order to speed up the construction of social security system covering urban and rural residents and realize the goal of establishing a relatively perfect social security system proposed by the 16th National Congress of the Communist Party of China, the State Council decided to reform the basic old-age insurance system for enterprise employees.