Because the pension fund used to be co-ordinated at the municipal level, it has gradually changed to the provincial level in recent years, which can ensure that the rich in the province can make up for their mistakes and most of them can be self-reliant; But in some areas, it is difficult to achieve self-reliance only by relying on the energy of our province. It is necessary to adjust the fund halfway to ensure the timely payment of pension insurance for retired workers. However, because the social pension insurance has not achieved national overall planning, there is great friction and resistance in how to adjust the economy in various provinces, which makes it more difficult for pension funds to adjust the economy.
With the completion of the national overall planning of social endowment insurance, these difficulties will be solved. What is the national overall planning of social endowment insurance like that?
The first is to promote the national overall planning of pension funds. This is also the most important specific content to complete the national master plan. In the future, local pension funds will mainly focus on the integration of China, and at the same time, we should constantly strengthen the enthusiasm of various regions. After the overall planning of the national endowment insurance fund, the national endowment insurance fund can be transferred to ensure the timely payment of pensions for retired workers.
The second is to complete the national overall planning of social security policies and systems. Although it is also a unified current policy, the specific implementation measures are still formulated by all parts of the country, and the implementation rules vary from place to place, which brings some confusion to the resettlement and retirement of the insured.
The third is to complete the unification of pension insurance calculation and development. At present, the calculation of pension and personal account pension is basically unified throughout the country, and the key difference is transitional pension. With the implementation of the payment management system of social endowment insurance in administrative institutions, the future deemed payment period will be gradually reduced, the transitional pension will eventually disappear completely, and the unified calculation and payment of endowment insurance will be completed in most parts of the country.
Will the pension difference become smaller after the national overall planning of social endowment insurance is completed? There are many factors for the difference of endowment insurance, among which the most important ones are the deposit base, the number of pension plans and the number of contributions, and the difference of payment years will always exist. However, after the completion of national overall planning, it is not easy to unify the payment base of social endowment insurance nationwide. After all, the social and economic development varies greatly from place to place, and the payment base is based on employees' personal work practice, so it is unlikely to implement a unified national payment base; And as a reference for calculating the contribution index of social endowment insurance, it should be based on the average monthly income of employees in each province in the previous year.
Another key factor is the amount of pension calculation and payment. At present, the amount of pension should be based on the average monthly income of employees in each province in the previous year when they retire. After the implementation of national overall planning, is the amount of pension calculated and paid based on the average monthly income of employees in all parts of the country in the previous year? It may be impossible to analyze the current economic development gap in different parts of the country. There is still a long time for the number of pensions to be based on the average monthly income of employees in various provinces and cities in the previous year.
Generally speaking, the national overall planning of social endowment insurance is usually pension fund integration, social endowment insurance related policies, pension adjustment related policies and pension insurance planning and development related policies. Because the two key factors that endanger the pension, the payment base and the number of pensions, it is impossible to complete the national overall planning in a short time, and pension differences will still exist.