Japan's pension system consists of three layers. The first level is the most extensive national pension. According to Japanese law, all nationals over the age of 20 and under the age of 60, regardless of occupation, are obliged to participate in the national annuity. At present, the insured needs to pay 15040 yen to the national annuity insurance every month (the current exchange rate is about 876 yuan), and at present, the average monthly pension is 55,000 yen. At present, about 68 million people in Japan have joined the national pension. National annuity is also called basic annuity.
The second layer is welfare annuity and economic annuity system. Full-time employees employed by Japanese companies are obliged to participate in welfare annuities. Annuity premiums are paid by employees and enterprises in half. Civil servants participate in the * * * economic annuity, and the premium is also halved by individuals and countries. Unemployed spouses of self-employed workers, enterprise employees and civil servants, etc. There is no obligation to participate in welfare and welfare annuity, and there is no guarantee of annuity system, but you can enjoy the basic annuity.
The above-mentioned double annuity system legally stipulates citizens' participation obligations and adheres to the principle that working young people support the older generation, so it is collectively called public pension.
In order to further increase people's income after they get old, let people feel at ease in providing for the elderly. In addition to public annuities, Japan also has enterprise annuities. Enterprise annuity is the third layer of Japanese pension system.
There are many different types of enterprise annuity, one is pension fund system. The system is that large enterprises or some enterprises jointly set up a fund, and enterprises and employees pay contributions to the fund. For the scale effect of the fund, the law allows part of the investment that should have been paid to the health welfare annuity insurance to be used in the health welfare annuity fund. Of course, the welfare annuity fund must pay interest to the welfare annuity.
In addition, there is a fixed-income (Japanese for "defined contribution") enterprise annuity, which basically fixes the income amount of employees when they are old, and then calculates the monthly premium that must be paid to the insurance system according to this amount. This premium is also shared by enterprises and workers. In contrast, enterprise annuities with fixed contributions (Japanese for "confirmed contributions") stipulate the amount of monthly contributions, but the income should be determined according to the income of investment.
Article 2 Frequently Asked Questions of Japanese Immigrants
Q: Does the applicant's company require employees to manage the visa program?
A: There is no requirement to hire employees.
The investment of 5 million yen is equivalent to the salary of two employees in Japan every year, so there is no need to hire employees.
Q: The way to obtain Japanese identity through a business management visa is to start a business in Japan. What are the risks of starting a business in Japan?
A: This is an entrepreneurial project, and the risk lies in how to maintain the normal operation of the company.
You can also set up a company in Japan with 1 yen, as long as it is legally operated; However, Japan's business system is relatively closed, and it is relatively difficult for a new company and a foreign company to enter the Japanese market. It is suggested to engage in real estate investment and ensure a certain turnover in order to maintain the smooth progress of residence qualification renewal, naturalization and permanent residence.
Q: Are there any restrictions on entrepreneurial projects that operate management visas?
A: There are no special restrictions.
Japanese investment immigrants can engage in any legal business activities, such as running restaurants and trading companies.
The difference between different industries engaged in projects is that some industries or projects need to apply for relevant licenses to operate, such as travel agencies and beauty salons; Some industries or projects can operate without applying for a license, such as small nail shops.
Q: After the applicant has been naturalized or permanently residing in Japan, can the company established to apply for a business management visa close down?
A: It is recommended not to shut down, but to deal with the company's hibernation.
The cancellation procedure of Japanese legal person is complicated, so it is recommended to go through the dormancy procedure. This way, you don't have to pay taxes, and you can restart the company if necessary.
Q: Can the registered company's 5 million yen be a friend's loan?
A: The loan involves the repayment period, but you can also apply for a business administration visa if you have prepared sufficient explanatory materials.
Q: I have a visa to study abroad and will graduate from university next year. In the future, I plan to set up a trading company myself and apply for a business management visa. With regard to the funds for the establishment of the company, may I ask, if I find a friend as the sponsor, and then the two sides jointly contribute 5 million yen, is that ok?
A: When applying for a business management visa, an individual must contribute more than 5 million yen.
Q: I came to Japan with a study visa last year and have been studying in Japanese schools ever since. However, this month, I dropped out of school and planned to open my own trading club. Excuse me, can I apply for a change of business administration visa without a Japanese school graduation?
A: When applying for a study visa to change other visas, the examiner will see whether the applicant has carried out activities that meet the requirements of staying in the country so far. If your attendance in Japanese schools is low and your grades are not good, then your business management visa may be difficult to turn around.
Q: I came to Japan on a study visa. After graduating from college, I started my own company and changed my visa to a management visa. Last year, due to the continuous appreciation of the yen, the company had difficulties in operating and could no longer maintain its operations. Until now, the company's business has been at a standstill. My visa needs to be extended next month. If I start my company business again now, can I renew it?
A: If the management visa holder fails to exercise the activities specified in his stay qualification for more than three months, the visa will be cancelled unless there is a justifiable reason. For example, if you try to run your company under the background of economic depression and earthquake disaster, but you can't maintain the company's operation because of the appreciation of the yen, then considering these special circumstances, you can regard it as a "legitimate reason" for the company's business stagnation. Therefore, we think that if you can submit a detailed and complete reopening plan to the Immigration Bureau, you may get the renewal of your business management visa.
Q: After I graduated from college in March this year, I was admitted to the same university, and I am scheduled to graduate from 2065438+March 2007. Can I set up a company to run Chinese restaurants now and change my residence qualification to "business management visa" when I graduate?
A: Running a company with the qualification to study abroad is an activity outside the qualification, and violating the qualification is the object of repatriation. However, foreign students can also contribute, so that after you register the company as a sponsor, you can first find a Japanese or a foreigner who is qualified to stay, and the job is not restricted. When the college graduates, you can be a class representative and change your qualification to a management visa.
Article 3 Advantages of Japanese immigrants
1, clean
The feeling of going to Japan is two words: clean. Japan not only has clean main roads in big cities, but also clean small streets and alleys.
In big cities, what you feel is that there is no dust in the air. Even their walls and glass are very clean, and there are many cars, but there are no exhaust and no black smoke cars.
2. Convenient transportation
In Japan, from Monday to Friday, ordinary people, even bosses, don't drive private cars to work, but take railways and subways to work, because time is absolutely guaranteed. Most of the cars running on the street are commercial vehicles.
Public transportation in Japan is extremely developed. Japan's first Shinkansen was built in 1964 Tokyo Olympic Games, and it has been running very well so far. Today, Japan has built a national railway Shinkansen system, which is very efficient. Their railway runs like a bus, which is well connected with the subway and bus, and it is very convenient to transfer.
Step 3 keep quiet
When I came to this subway station in the morning, I saw an orderly crowd, but basically no one spoke, let alone spoke loudly with a mobile phone. I can only hear the terrible sound of leather shoes.
The principle of Japanese doing things is not to cause trouble to others and not to affect others, which has become something deep in their souls and has been completely internalized.
4. Pay special attention to early childhood education
Japanese people attach great importance to early childhood education, so many mothers quit their jobs to take full-time care of their children after giving birth. Because they think that children are in infancy before the age of three, it is particularly difficult to correct problems once they grow up.
Moreover, the Japanese believe that making men work harder, with greater intensity and higher income, and letting mothers return to their families and wait until their children are 3 years old before going to work have no impact on social efficiency, but are particularly beneficial to the growth of the next generation.
In addition, one of the principles they cultivate for their children is seven points full and seven points warm. They basically don't let children eat too much, and they are not afraid of children wearing too little. In autumn, they wear thin coats to play outside, so you can hardly see fat people in Japan.
In addition, children are generally not given intravenous drip when they are sick. They think that children have strong self-healing ability.
Japan's life expectancy is the highest in the world, which also shows that Japanese people have done well in health conditions, medical conditions, ecological environment, eating habits, sports and so on. In addition, Japanese schools pay special attention to school uniforms, which are also beautiful, with many styles and good workmanship.
5, dedication
In Japan, it is the Japanese who accept Japanese bows the most. According to statistics, the receptionist at the elevator entrance of a Japanese department store bows 2500 times a day.
Everyone knows very well how difficult it is to bow like this every day. What has supported them for so many years is their concept that dedication is their bounden duty.