In this country where "rarely confused" is regarded as the wisdom of life, the government is constantly announcing confusing accounts to the society irregularly, and for the citizens who have always regarded "having a pension" as very important, pensions have appeared

The news of the huge 1.7 trillion vacancy is undoubtedly a bolt from the blue.

The research results of a team led by Cao Yuanzhenghe, chief economist of the Bank of China, and Ma Jun, chief economist of Deutsche Bank Greater China, are even more shocking. By 2013, my country's pension gap was as high as 18 trillion.

At present, the coverage of my country's public pension security system only accounts for 15% of the total population, which is lower than the 20% international minimum standard set by the World Labor Organization.

In addition to the vast majority of the rural population being abandoned, urban workers only cover about 55%.

When mentioning this, many officials will always say that the country has a large population and a weak foundation, and the pension security started late and has great difficulties. However, they just don’t understand how the consumption of “three public servants” can miraculously continue to rise without ever encountering obstacles.

The total annual expenditure is said to have reached an astonishing 1.9 trillion yuan. If half of it is saved every year, wouldn't it be easy to solve the current 1.7 trillion yuan pension gap in less than 2 years?

The fact is that this simple method, this measure that can reflect the superiority of the socialist system, is difficult to come true.

Officials who have the means will not worry about pension issues, and civil servants are not included in social security.

The Ministry of Human Resources and Social Security’s proposal to solve the pension vacancy is to delay the basic pension age.

Even though more than 90% of people in relevant social surveys strongly opposed it, the opposition was ineffective, leaving a big gap that could not be covered. It was time to say no, but don’t misunderstand. This was not discussed with you at all.

Perhaps, it will be necessary soon. According to calculations by social security experts, delaying the retirement age can reduce the gap in pension funds by about 20 billion yuan per year. Based on this, it will take eighty years to fill the gap. After the opposition is ineffective, only

I am ready to keep working without being able to retire.

Of course, this situation will never happen in most cases, but the later the withdrawal is, the lighter the burden will be on the government. This account is very clear.

Our country's pension collection and use system has always been opaque.

The people who pay the money have no right to know how much pension funds are collected across the country and how these pensions are managed and used. According to public data, as of the end of the year, personal pension accounts should have assets of 1,959.6 billion yuan, but in fact they only had 2,039

100 million, some scholars have found that the vacancy is even larger than this.

After the implementation of this system, in addition to state subsidies, how much money has been paid by enterprises, institutions and individual employees? How much of the vacancy is due to unpaid natural vacancies? How much of it is the real vacancy of "pay forward later"? How much of it is the real vacancy?

Are the vacancies created by misappropriation? How many of them are vacancies lost due to investment errors, and how many of them are vacancies that were improperly consumed due to huge management expenses?

Twenty years ago, my country established a pension insurance system that combines accounting and accounting. It was not a late start.

Pension insurance consists of two parts: social pooling and personal accounts. The social pooling is paid by the unit, which is currently 20% of the total salary of the unit’s employees. The personal account is paid by individual employees, and the payment ratio is 8% of the individual’s salary.

This base is quite large. The government has increased the current employee pension withdrawal and payment ratio to pay for the pension burden of retired employees who have expired before the implementation of the system. The system transformation costs that should have been paid by the government must be paid at the beginning of implementation.

A supporting fiscal year is formulated to follow the vacancy filling plan, but the deafening drumbeating and passing on of flowers in disguised forms are constantly passed on to society. This is the basic root cause of the huge vacancy, and it also leaves an unfair burden for the next government.

Even so, common sense tells us that personal pension accounts will never only be a mere 203.9 billion yuan. The government must first dare to show the bottom line. Unfortunately, we can only garble this kind of data that must be authoritative and timely released.

After exhausting our brains and piecing together many difficulties and dangers, if pension management cannot be made transparent, and the game of stupidly handing in pension funds from all walks of life and having the Ministry of Human Resources and Social Security say "vacancies" every few years will continue, if pension funds are not even available,

If Jindu dares to play with the world's disapproval, then this country will definitely be crippled in the end.

I have written an article in the past, "Pension Funds Are More Risky Not Entering the Market." Of course I know that pensions, life-saving money, cannot be easily entered the market, but I also know that no matter how bad the Chinese stock market is, one feature is its openness.

Corruption problems are more likely to be discovered than investing in undisclosed places. Otherwise, pensions will become another area of ??secret operations. Who can guarantee that it is safer than investing in the stock market?

The common practice in the world is that government finance and the realization of national assets will give priority to ensuring that pensions are not vacant.

Although our country’s finance is also increasing its investment in pension funds, it only accounts for about 2% of the national fiscal expenditure. There is a huge gap with European and American countries. Especially in Japan, pension funds account for 20% of GDP, while my country’s pension funds only account for 20% of GDP. Accounting for 4.3% of GDP.

Although our country also proposed to supplement social security through the transfer of state-owned shares and the handover of dividends by state-owned enterprises, the thunder was loud but the rain was small. In 2011, only 0.4% of the profits of central enterprises were used to supplement social security. The scope of transfer of state-owned shares did not include the large number of listings during the original peak period.

state-controlled enterprises.

The National Social Security Fund, established in 2000 as a national strategy, had a fund size of only 868.8 billion yuan as of the end of 2011, and was unable to cope with the upcoming social security vacancy crisis.

The statutory retirement age of 60 for men and 55 for women was implemented in 1958 and has lasted for more than half a century.