Characteristics and advantages of the personal pension system launched by the state:

1. Advantages of the personal pension system. Compared with commercial insurance, the personal pension system is undertaken by the state and can solve the pension problems of farmers in the future. It is a great discount for ordinary people. If you pay 1,000 yuan every month, you can get a better security fund when you retire. This income is stable, which is equivalent to the country providing a stable guarantee to individuals.

Living standards are getting higher and higher, and people's life span is also continuously extending. Without such a guarantee, the aging of the elderly population will become serious. Social security is not perfect. It is only a corporate responsibility, which virtually increases the burden on the company. Pension system insurance means that employees can receive more pensions after retirement. In this way, life after retirement can be guaranteed, and even if prices rise a lot, people will not collapse temporarily.

2. It is compulsory for enterprises to provide insurance for employees, while personal pension contributions are only voluntary. In fact, these people are mostly those who have no jobs, because they have no social security from above, and no fixed income in the future. Therefore, the pension system at this time is a welfare for them. For example, the working hours of a courier are very free, but if the company does not pay social security, you can choose pension system insurance to add an extra layer of security for your pension. From this aspect, the welfare guarantee provided will facilitate the future life of the courier boy. Farmers can also pay insurance according to their own needs.

3. Of course, farmers’ willingness to increase insurance may be lower than that of freelance workers, but this does not affect it, because farmers themselves do not have much funds on hand. As long as it is voluntary, it can meet daily needs. Just expenses. Farmers' income is low, so they have very little cash that can be used for insurance. However, the state encourages farmers to participate in insurance and provides farmers with certain actual subsidies.