The solution of pension integration, how to integrate pensions?

Legal Analysis: 1. Combination of social pooling and personal accounts.

According to the arrangement, the organs and public participation management units, administrative, public welfare first-class and second-class institutions and their staff members participate in the endowment insurance of organs and institutions. The unit shall pay 20% of the sum of the individual contribution salary base of the pension insurance staff of the participating organs and institutions of the unit, and the individual shall pay 8% of the salary income of the individual. At the same time, an occupational pension system is established, and individuals and units pay according to the % of the basic pension insurance payment base, all of which are included in the occupational pension personal account.

Second, the "middle people" will pay a transitional pension from the social pool.

Compared with the "newcomers" (who participated in the work after the implementation of the measures) and the "elderly" (who were staff members in the establishment and have retired before the implementation of these measures), how to transition the treatment of "middle-aged people" who participated in the work before the reform and retired after the reform and have accumulated 15 years of payment has become the focus of social attention. In the process of establishing the basic old-age insurance system for urban workers, the relevant policies have also made arrangements for the transition period, and the transitional pension will be paid from the social co-ordination for the "middle people" in the reform. At present, with the gradual retirement of "middle-aged people" and the increasing number of "new people", the transitional policy arrangements have gradually weakened, and the new system has gradually occupied the dominant position, reflecting the reform policy of smooth transition.

Legal basis: "Decision on the Reform of the Pension Insurance System for Employees of Organs and Institutions" Third, the implementation of the basic pension insurance system combining social pooling and personal accounts. The basic endowment insurance premium shall be borne by both the unit and the individual.

The proportion of the basic endowment insurance premium paid by the unit (hereinafter referred to as the unit payment) is 20% of the total salary of the unit, and the proportion of the basic endowment insurance premium paid by the individual (hereinafter referred to as the individual payment) is 8% of the salary paid by the individual, which is withheld by the unit. Establish a personal account for basic endowment insurance at the amount of 8% of the salary paid by the individual, all of which is formed by individual contributions. The part of the individual salary that exceeds more than 300% of the average salary of the local on-the-job employees in the previous year shall not be included in the individual contribution wage base; If it is lower than 60% of the average salary of local on-the-job employees in the previous year, the individual contribution wage base shall be calculated at 60% of the average salary of local on-the-job employees.

The amount of personal account savings is only used for staff pension, and cannot be withdrawn in advance, and the interest is calculated every year according to the accounting interest rate uniformly announced by the state, and the interest tax is exempted. In the event of the death of the insured person, the balance of the personal account may be inherited in accordance with the law.

1. The so-called integration of pensions refers to the implementation of the same basic old-age insurance system for the staff of government organs and institutions as for the workers of enterprises. 2. Calculation method: basic pension = (the average monthly salary of on-the-job employees in the province in the previous year A + the average monthly indexed salary of the person) 2 Payment period (including the deemed payment period) 1%; Personal account pension = personal account savings The number of months of personal account pension; The sum of the above two items is the monthly payment amount.

Note: The basic pension is adjusted annually in July each year according to the plan announced by the province.

The "Decision on the Reform of the Pension Insurance System for Employees of Government Institutions and Institutions" was issued, and it was decided to reform the pension insurance system for the staff of government agencies and institutions from October 1, 2014. This marks the end of the "dual-track system" of pensions that have existed for nearly 20 years, and nearly 40 million employees of government agencies and institutions will pay pensions like enterprise employees.

After the reform, the basic pension of the personnel of government organs and institutions will be combined with the basic pension and the personal account pension. According to the decision, in terms of basic pension insurance, the unit pays 20% of the total salary; Individuals pay 8% of their own wages, and the part of their wages higher than 3 times the average salary of local employees is not included in the payment base, and those who are lower than 60% of the average salary are paid on the basis of 60%, that is, "300% cap and 60% support".

This means that after the merger, the pension payment and distribution of the personnel of government institutions and enterprises are basically the same. The pension insurance of the personnel in the system will be transformed into a multi-channel financing of unit and individual contributions, and the financial department will bear the responsibility of the pension insurance, forming a new mechanism for units, individuals and people to share.

It refers to the implementation of the same basic old-age insurance system for the staff of government institutions and institutions as for the employees of enterprises.

1. First of all, let's understand the current situation of China's pension. At present, China's pension is a dual-track system, that is, the collection of pension insurance for enterprise employees, retirement approval, pension payment and standards are all responsible for the enterprise insurance department under the human resources and social security department.

2. The financial department is responsible for the collection and payment of pension insurance for government institutions and institutions. That is to say, the employees of government organs and institutions can receive 80 to 90 percent of their on-the-job wages after retirement, while the employees of enterprises can only receive 40 to 60 percent of their on-the-job wages after retirement, and the gap in retirement wages is quite large.

3. On the merger of pensions for civil servants. Literally, it can be understood that it is to change the current status quo of the dual-track system of enterprises, government agencies and institutions, and implement merger.

4. That is, whether it is a civil servant or an enterprise employee, the payment of pension insurance, retirement verification and pension payment and standards are subject to unified management, mainly to merge civil servant pension insurance into the social pension system, and after the merger, whether from the system, the model or the payment formula, the pension insurance system of the two major sectors will be consistent.

5. The pension merger can narrow the pension gap, so that the limited financial resources can first make up for the pension gap, and then increase the pension income of all retirees.

Pension insurance is a major event related to the vital interests of the people, although due to historical and other reasons to form the "dual-track system" of retirement pension in Qingqing and in line with the national conditions of our country at that time, but the disadvantages caused by the "dual-track system" are becoming more and more obvious. Therefore, it is the general trend to carry out the reform of the dual-track system of retirement pensions. Reform is not simply a process of changing from a double track to a single track, but a process of gradual exploration, and we can make efforts in the following areas on the basis of drawing on the successful reform experience of foreign countries and in the light of China's actual conditions.

1) Establish a reasonable legal system for pension insurance, and enforce a unified pension system for the whole people.

Although the pension has been increased for 8 consecutive years, if the fundamental problem of "dual-track pension system" is not solved, it will lead to the long-term poverty bottom line of retired employees of Xuyanzhou Hold. For the sake of fairness, the social security reform of government agencies and institutions should adhere to the direction of enterprise social security reform, establish a reasonable legal system of pension insurance, and enforce a unified pension system for the whole people. It should be said that there is no shortage of experience in the reform of the civil servants' pension system, what is lacking is determination, and there will always be pains in the reform.

2) Establish a diversified pension mechanism and vigorously strengthen the basic social pension.

It is necessary to speed up the improvement of the diversified old-age mechanism on the basis of social insurance, social assistance, and social welfare, with the basic old-age system as the focus, and charity and commercial insurance as supplements. In accordance with the requirements of the combination of individual contributions, collective subsidies and subsidies, a new social pension insurance system will be established. The composition of pensions can also be further refined.

3) Reform China's current retirement system and raise the statutory retirement age in a timely manner.

The problem of pension is not an isolated problem, it reflects the defects and deficiencies in the design of the retirement system and even the social security system, and it is necessary to appropriately reform the current retirement system in our country. This can be learned from many countries in Europe. In France, the retirement age has been raised from 65 to 67, which has largely reduced the country's financial burden.

China should also raise the retirement age in due course.

At present, China is gradually promoting the policy of merging the pensions of cadres and personnel. The integration of pensions is the inevitable result of policy development, and this initiative has a very important role in promoting the establishment of a more complete pension system. The state is also collecting the loopholes reported by various localities and the problems that need to be further solved in the implementation of the pension merger policy.