The Outline of the Twelfth Five-Year Plan for Social Security points out that the investment and operation of the endowment insurance fund should be actively and steadily promoted to maintain and increase the value of the fund. Continue to enrich the national social security fund through the central budget allocation, allocation of state-owned assets, expansion of lottery issuance and other channels to prepare for the peak of population aging (Xinhua News Agency, June 28).
the problem of social security fund gap has always been the focus of social attention. In particular, the recent topic of delaying retirement age and receiving pension has pushed the social security fund gap to a new hot spot. There are two attitudes: one is very pessimistic, thinking that the pension gap is very large. A previous research report found that the pension gap in China was as high as 18.3 trillion yuan by 213. The other is a more optimistic idea that the pension gap is not so shocking, and there is no need to delay the retirement age in the near future. Raising funds through multiple channels can completely make up for the future pension gap. The author holds a second attitude.
in the long run, with the aging of China's population, the problem of pension gap will eventually be exposed. However, since the pension gap was exposed, we have enough time, economic foundation and economic strength to deal with it. From now on, it is right to pay attention to it and take measures to deal with it step by step, but being too flustered or even alarmist can only scare yourself, which will not only help but also affect people's consumption and thus affect economic development. At present, the status quo of pension is that the balance in 211 was 1.9 trillion yuan, and all provinces are trying to find a way out for how to maintain and increase the value of the huge pension. As we all know, one way out is to entrust the management to the National Social Security Fund Council. In a word, China's social security funds, especially pensions, have no immediate worries but far worries. Distressed "far", the words of the head of the Ministry of Human Resources and Social Security refer to things after 1 or 15 years.
To solve the "distant worry" of the pension gap, we should start now and plan ahead. The author is optimistic about this. It is an effective measure to solve the social security fund gap to raise funds through multiple strategies and channels. Financial funds are the key to supplement the shortage of social security funds. European and American countries spend one-third or even half of their financial funds on social security funds. If 2% of China's financial funds are used for social security funds, then it will be at least 2 trillion yuan per year. It can be said that it has solved the bulk of social security funds.
state-owned assets should be strengthened to enrich social security funds. We will further increase support for the national social security fund and enrich the national social security fund by improving the relevant policies for reducing and transferring state-owned shares and doing a good job in the retrospective transfer of state-owned listed companies. Huge state-owned assets are a powerful economic backing to solve the problem of insufficient social security funds. It is an effective channel for state-owned enterprises, including financial enterprises, to pay dividends to enrich social security funds. According to the author's preliminary calculation, the annual net profit of state-owned enterprises, including financial enterprises, is more than 4 trillion yuan, and the social security funds can be enriched at least 6 billion yuan every year by paying dividends at 15%.
enrich social security funds through social forces. Open up the issuance of lottery tickets to raise social security funds, encourage enterprises, companies and individuals to donate to raise social security funds, and raise social security funds by holding a series of public welfare activities. Social forces and activities have great potential to enrich social security funds.
Give full play to the value-added role of professional institutions to enrich social security funds. The main force is the National Social Security Fund Council. By the end of 211, the total assets managed by the National Social Security Fund had reached 868.82 billion yuan. Since its establishment, the accumulated investment income of the fund is 284.593 billion yuan, with an average annual investment return rate of 8.4%, which is 6 percentage points higher than the inflation rate in the same period. This part of value-added is a new force to solve the problem of insufficient social security funds. A large part of social security funds in developed countries is enriched and solved by maintaining and increasing value.
In short, we should attach great importance to solving the problem of social security fund gap ideologically, but we should not be too pessimistic and sensitive. It can be completely solved through multi-channel financing and operation.
Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.