Around China s current old age security system. Talk about your knowledge and understanding

China's development is still in a period of important strategic opportunities that can make great achievements, referring to the in-depth development of industrialization, informatization, urbanization, marketization and internationalization, which has created a good environment for the development of the cause. China's economy has continued to maintain steady and relatively rapid development, accelerated the transformation of the economic development mode, and adhered to the strategy of expanding domestic demand, especially consumer demand, which has provided a strong impetus for the development of the cause. The improvement of the social pension insurance system is related to the sustainable development of the society, the stability of the society, the sense of security and happiness of the residents, and is an important means for the country to improve the people's livelihood.

Through the above analysis, it can be seen that there are still a series of problems in the construction of China's social pension insurance system, and to solve these problems, we need to start from the following aspects.

1) Increase the number of insured people and expand the coverage rate of social pension insurance.

Focusing on migrant workers, employees of non-public economic organizations renting and those in flexible employment, the coverage of basic old-age insurance for employees will be expanded, and all retirees of uninsured collective enterprises will be included in the scope of basic old-age insurance. Promote the reform of the pension insurance system of government agencies and institutions. Achieve full coverage of the new rural social endowment insurance and urban residents' social endowment insurance system.

Improve the basic livelihood guarantee system for land-expropriated farmers, and implement the implementation of first guarantee and then expropriation. Realize the national overall planning of basic pensions, improve the transfer and continuation of basic pension insurance relations, and gradually promote the effective connection of urban and rural pension security systems. Establish and improve the normal adjustment mechanism for the basic pension of enterprise retirees that is compatible with economic development, wage growth and price level, and steadily increase the basic pension level of the new rural social pension insurance and the social pension insurance for urban residents.

We will further strengthen the personal account of basic endowment insurance, and provide a stable and comfortable old age life guarantee for the elderly in the whole society.

2) Adjust the pension insurance contribution rate and increase the intensity of collection.

At present, China's pension insurance payment rate is very unreasonable, which has brought a heavy burden to the development of enterprises. In order to reduce the financial burden, some enterprises evade the payment of pension insurance through various means. This has brought chaos to the management of China's pension insurance, which is not conducive to the pension insurance of employees, nor is it conducive to the development of enterprises, and has also brought certain difficulties to the management of the country.

To solve this problem, the state needs to set a reasonable pension insurance contribution rate, so that enterprises can take the initiative to assume the pension insurance obligations of employees; At the same time, the relevant state departments also need to increase the collection of pension insurance, improve the management of pension insurance, and ensure that all enterprises pay pension insurance in full and regularly for employees in accordance with relevant regulations.

This can reduce the social pressure brought about by the aging of China's population, and can also further alleviate the anxiety of the people about the elderly. More importantly, it can provide basic protection for more people, and it can also give full play to the advantages of the social pension insurance system. These systems can help the development of the motherland and achieve good results.

The introduction of the personal pension system is not only in line with the needs of the development of the times, but also the people's aspirations. This system can be combined with tax incentives and guarantees the security of people's funds. For the whole society, the system can indeed have a relatively significant impact, and it is conducive to the national economy and people's livelihood.

First of all, this system can alleviate the demographic plight of our country. In my opinion, this system can indeed play a guiding role, and it can also fully mobilize the enthusiasm of the people. With the increase of the aging trend of the population, China will gradually enter an aging society.

As far as the current situation is concerned, the birth rate in some areas has shown a cliff**, and they will face the dilemma of labor shortage. This system is timely and appropriately addresses the demographic dilemma. <>

Second, this system will effectively promote the process of high-quality economic development. This system will not only expand people's investment channels, but also guide people to choose safer and more secure financial products. This will inject more capital into the capital market and also avoid the waste of idle funds.

Enterprises can obtain a large amount of capital and improve their innovation ability to promote economic and social development, and the level and quality of China's economic development will also be improved. <>

Finally, this system is an important measure to reduce the pressure and burden of social pension. Although China can introduce a three-child policy and encourage people to have children, the number of only children is still relatively large, and it accounts for a relatively large proportion. They not only need to bear huge pressure to provide for the elderly, but also face many difficulties, such as the balance between work and family, and the security of their parents' life in their later years.

And this system can effectively respond to the legitimate concerns of the masses and appropriately reduce our pressure.

It is conducive to China's progress in narrowing the income gap, so that every resident can better enjoy social welfare, especially responsible for the livelihood of middle-aged and elderly people, and is conducive to increasing people's sense of happiness, maintaining social harmony, and promoting rapid economic development.

It is conducive to improving the level of old-age security, meeting the living conditions of the elderly, avoiding the aging of the population, implementing a better personal account system, and making profits.

In this way, it can promote social development and progress, and then it can also ensure the life of the elderly in their later years, and at the same time, it can also increase the leverage of pensions, which can reduce the living pressure and economic expenses of families, and can relieve the pressure of young people.

Summary. Dear, hello, for your question [talk about your understanding of China's pension system] This question will be answered as follows: at present, China is mainly based on basic pension insurance, and the development level of the latter two is still relatively low.

Dear, hello, for your question [talk about your understanding of China's pension system] This question will be answered as follows: At present, China's Sun He is mainly based on basic pension insurance, and the development level of the latter two is still relatively low.

China's pension system is divided into three parts, one is the basic pension insurance, that is, the pension insurance in the social security mentioned above, and the other is the annuity system, enterprises and their employees in accordance with the law to participate in the basic such as the letter of the pension insurance on the basis of the ridge, voluntarily established supplementary pension insurance system. To put it simply, it is a fee for individuals and businesses to pay a fixed period of time. The third is commercial endowment insurance, that is, to purchase the corresponding slag type of insurance from the insurance company for future pension <>

Summary. China's pension insurance system includes three pillars - basic pension insurance, enterprise annuity, occupational annuity, personal pension system and market-oriented personal commercial pension financial business.

China's pension insurance system includes three pillars - basic pension insurance, enterprise annuity, occupational annuity, personal pension system and market-oriented personal leakage and commercial pension financial business.

Good. Endowment insurance, also known as old-age insurance, refers to the national legislation to collect social insurance premiums (taxes), and the formation of the old-age system, when the labor shortage of people retire to pay pensions, in order to ensure their basic living needs, it is one of the most important contents of the social security system. The implementation of the pension insurance system in various countries in the world has three models, which can be summarized as traditional, national overall planning and compulsory savings.

China's current pension insurance system is mainly composed of three parts: basic pension insurance, enterprise annuity and individual commercial pension insurance, covering different types of workers. 1.Basic Pension Insurance:

It is the foundation of China's pension insurance system, which is jointly funded by the state and local governments, covering all in-service and retired enterprise employees, government and institution workers, urban residents and rural residents. Among them, the basic endowment insurance for employees of enterprises and the staff of government agencies and institutions shall be paid by enterprises and government institutions, and the basic endowment insurance for urban residents and rural residents shall be paid jointly by individuals and institutions. 2.

Enterprise annuity: It is a supplementary pension insurance system provided by enterprises for employees, which is independently established and managed by enterprises, covering some high-income employees and managers. The payment and welfare benefits of the enterprise annuity are determined by the enterprise itself, but must comply with the relevant national regulations.

3.Personal commercial endowment insurance: It is a commercial endowment insurance product provided by insurance companies, covering all groups of people, including enterprise employees, freelancers, individual industrial and commercial households, etc.

The payment and welfare of individual commercial endowment insurance are determined by the individual, but must comply with the relevant national regulations. Generally speaking, China's pension insurance system has been initially established, but there are still some problems, such as the basic pension insurance payment ratio and treatment level is not reasonable enough, and the popularity rate of enterprise annuity and individual commercial pension insurance is low. In the future, it is necessary to further improve the pension insurance system and improve the coverage rate and security level to meet the needs of different levels and different groups of pension security.