1 since the implementation of personal accounts in 1995, social insurance has taken all the former retirees (the standard term is: the elderly) free of charge, which accounts for nearly one-third of the 12, retirees in our county, which is one of the main reasons for the gap in social security funds.

2 for retirees after 1995, the state stipulates that the length of service before 1995 is all regarded as the payment period, but the state has not yet invested in this, which means that the amount of these new retirees (in standard terms, Chinese people) is also a reason for the gap in social security funds.

3 The country started family planning in 1978, which led to a decrease of 1 million people (the reduction was approved by the state). At present, at least a quarter of young people are working outside the home (that is, they are not working in agriculture, and farmers' old-age insurance is not counted for the time being), which means that 25 million people are missing the main support of payment. Is also a part of that gap.

4 in order to equalize the retirement benefits of enterprises and institutions, the state has adjusted the pension benefits at a high level for eight consecutive years, aggravating the gap.

other reasons are not listed one by one.

however, the size of the gap has nothing to do with individuals, just as how much money a bank earns has nothing to do with personal deposits. If the bank collapses, there will naturally be other guarantees. In the future, the government's duty is to do a good job in public security and social security. Public security is a public security issue, and social security is also a public security issue.

hehe, personal analysis is not necessarily systematic.