People's editorial: what kind of dispelling the public anxiety "pension"

Bai Tianliang

On November 23, 2015 08:20 source: People's Daily - the People's Daily Mobile phone to watch the news

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Anxiety, resolve the participants need to face these questions, through the perfect system, perfecting policy, clear out, set up the system of confidence in the long run

Parts of pension tight "22 provinces, the pension payments deteriorating" - this news triggered heated debate in recent days, "pension also hair not hair come" "and see if it is within my province, one thousand is trouble"... A concern.

Every time, there will be a similar statement. In 2012, a research firm "pension shortfall will be as high as 18.3 trillion yuan" view of the common people got a fright. And pension empty account 2 trillion yuan of expert judgment to attract attention, has been repeatedly quoted. Last year, "eliminating subsidies, half provinces endowment insurance" in the hole of widespread news, aggravate the concerns of the people.

For this kind of statement, almost every quarter of people club department press conference to emphasize "current pension will no problem". Recently, people club department spokesman for response. But people club department to clarify, the finance, issued by the auditing department "than a" report, monthly on time full specified amount to the hands of the pension, seem to be unable to dispel doubts.

Was accused of individual experts turn away for a rainy day to scare people, some say the network out of context. These factors may exist to varying degrees, but the risk of pension subject reacts, to some extent, is the endowment insurance system itself and complex professional characteristics and the results of the average pension are intertwined with anxiety.

China's endowment insurance coverage has reached 800 million. Endowment insurance, families care, everybody can talk a few words. Endowment insurance, however, long time span, complex actuarial science, system change during the period of transition, and not look at the news, his reckoning, can full and accurate grasp of.

For example, do not cover the part of the province to receive the true have so horrible? In 2014, heilongjiang, hebei, ningxia of worker endowment insurance really greater than the closed. But at the same time, other 28 provinces and xinjiang production and construction corps is greater than a. Look from the country, 2014 worker endowment income of more than 23000 one hundred million yuan (including fiscal subsidies), spending more than 19000 one hundred million yuan, the cumulative balance of more than 30000 one hundred million yuan, be called the financial stability. Endowment insurance is based on the mutual fraternal national institutional arrangement, on the basis of local gap reflect the region segmentation of irrationality, our country has been in promoting the national plan as a whole.

Such as, again for a year more than 3000 one hundred million yuan subsidies is evidence of "do not cover the charge"? This is not considering the characteristics of the pension system transition period in our country. Old-age insurance system in the 1990 s, based on previously working personnel, uninterrupted length of service shall be regarded as payment before its reform. The resulting recessive debt, has clearly borne by the national system transition cost, financial aid has become an important source of pension funds, not to be equated with "hole".

Old-age insurance system involved in the complicated problem, not one or two words can explain. By contrast, "little, hair more" "man alive, money didn't," stated are more likely to be printed in people's mind. Besides, ages, family size, the individual and social endowment pressure is everyone feeling, could not avoid the reality. In this case, the current "than the" data, the department in charge of "pension current issue no problem", is far from enough.

People need is a long-term. Now to endowment the most nervous person, not have pensioners, but is the worker pay endowment insurance. Commitment "in the current issue no problem", unable to relief worker pay cost. Medium and long term will have a gap? About 20 years, 30 years later? What are the risks in the future? Delaying retirement policy will make much difference? Anxiety, resolve the participants need to face these questions, through the perfect system, perfecting policy, clear out, set up the system of confidence in the long run.

People need is a "deep engagement". The worker endowment individual pay cost 8% of the salary, enterprise have to pay 20%. On the monthly salary deducted hundreds or thousands of yuan of endowment insurance, remind participants on the basis of their own rights and interests. Where did they want to know the payment go after retirement, how much money will bring, also concerned about the detail of endowment insurance fund operation, the change trend in the future. Compared with these requirements, a year or once every quarter, according to the total too does not quench thirst, that part of the problem is too professional and not to explain practices were more likely to lead to the people of suspicion.

Build system of endowment insurance, to resolve anxiety as they age, people should not be in turn into a source of anxiety. Good do a good effect, it is necessary to face up to anxiety, as far as possible the public transparency and the reform to be perfected as soon as possible, take the trouble of the repeated explanation, establish people's confidence in system.

The People's Daily (November 23, 2015 05 version)