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The problems existing in my country's pension insurance system are mainly reflected in the following aspects: 1. The pension insurance system is not unified.

This is not only reflected in the inconsistent systems between regions, but also in the inconsistent systems between industries. The inconsistent pension insurance system is also concentrated in the inconsistent contribution rates and payment standards of pension insurance funds;

At present, the pension insurance fund payment rates in various regions and industries in our country range from 20% to 30%. For example, the payment rate in the coal sector is as high as 24.5%. The payment rates among provinces are also quite different. In Guangdong Province, the payment rate is 19%.

In Hunan Province, it reaches 25%. The pension insurance payment standard is basically calculated and paid according to a certain proportion of the employee's monthly salary before retirement, but the calculation and payment ratio varies greatly from place to place.

This disunity of the system has also brought about some undesirable consequences. First, the disunity of the system makes the system itself lack seriousness, causing people to have the illusion that pension insurance is a regional or industry policy rather than a national policy, which affects pension insurance.

The second is that different enterprises in the same industry, because they belong to different regions, have different payment rates for pension insurance, different costs of products produced, and different competitiveness, so that the pension insurance system creates an artificial environment for enterprises.

A place for fair competition; third, due to the non-uniform collection and payment levels of pension insurance funds in various regions and industries, it brings difficulties to the flow of labor between different regions and different industries, so that labor resources cannot be effectively allocated.

2. Difficulties in collecting enterprise pension insurance funds.

The full collection of pension insurance funds is the key to the normal operation of the pension insurance system. However, it is extremely difficult to collect pension insurance funds from enterprises, which is manifested in the large number of arrears, large amounts of arrears, and long arrears, resulting in the loss of pension insurance funds in many places.

Income cannot meet expenses, seriously affecting the payment of pensions.

Analyzing the reasons, firstly, a few business leaders with good profits and few retirees have insufficient understanding of pension insurance. They do not proceed from long-term interests or the overall situation. They believe that their units have few retirees and need to pay more insurance premiums.

The unit suffers a loss and is unwilling to pay. Some business leaders even have serious short-term behavior and are eager for quick success. They would rather give more benefits to employees when they are in office than pay the money to the pension insurance department; secondly, a few companies have the ability to pay but do not pay.

, believes that retired employees’ insurance premiums are directly paid by pension insurance institutions. Retired employees who cannot receive pensions will only go to pension insurance institutions, not companies, so they adopt a default and arrears policy for the payment of pension insurance funds, while pension insurance

The department lacks control measures and cannot collect; third, the enterprise suffers large losses and cannot pay employees' wages, and it is even less able to bear the obligation to pay pension insurance funds; fourth, the enterprise is overburdened, affecting the payment of pension insurance funds. According to relevant data,

, the pension insurance funds, unemployment insurance funds, medical insurance funds and work-related injury funds that enterprises in some areas need to pay account for about 60% of the total employee wages, which is unbearable for enterprises, while the pension insurance funds and medical insurance funds paid by individual employees are

Accounting for only about 6% of personal salary income, this not only fails to achieve the purpose of pension insurance to eliminate the burden on enterprises, but instead increases the burden on enterprises and increases their current investment.

3. The state only provides policies but not money for enterprise pension insurance, making pension insurance difficult to develop.

Pension insurance funds should be jointly borne by the state, collectives, and individuals. However, the reality is that it is difficult for all three parties to contribute, and it is even more difficult for the state to contribute. This is due to the poor fiscal revenue and expenditure conditions in various regions in the past decade.

The fiscal revenue cannot make ends meet, and it is difficult for fiscal revenue to maintain regular expenditures. In many areas, the fiscal year has not invested a penny into the pension insurance fund since the pension insurance business was launched, resulting in the pension insurance fund being unable to cover its expenses. What's more, some local governments have taken advantage of

With regard to the independent management of pension insurance funds, the pension insurance funds are used to invest in local construction projects, with low benefits and low returns, or the pension insurance funds are simply used to temporarily make up for the lack of financial funds, so that the pension insurance funds continue to

Being cannibalized.

4. The ability of pension insurance funds to maintain and increase value is low.

On the one hand, at this stage, pension insurance premiums are almost used to pay current pensions. Due to inflation, the interest earned on the balance of pension insurance funds is also nominal. This situation results in most personal accounts of pension insurance funds being empty accounts.

There are almost no actual assets in the account. This kind of empty account cannot allow pension insurance funds to accumulate, preserve and increase in value; on the other hand, the current system requires that the balance of pension insurance funds, in addition to meeting two months of payment expenses, should be about 80%.

It must be used to purchase government bonds or deposit in banks. Since the interest rate on bank deposits has recently been lower than the inflation rate, the balance of pension insurance funds has continued to depreciate. This will inevitably increase the burden of pension insurance in the future and will also increase the country’s pension expenditure.

Insurance cost burden.

5. The normal adjustment mechanism for pension insurance payment is not yet complete.