6.7% Of Employees Enjoy Enterprise Annuity, Mostly In Central Enterprises And State-Owned Enterprises.

In April 6th, the occupational pension scheme for public institutions was officially unveiled. Nearly 40 million of the staff and workers in government departments and institutions will pay occupational annuity. The way of "compulsory establishment" will enable all staff members of government institutions to enjoy the benefits brought by this supplementary endowment insurance without exception.

By contrast, corporate annuity is in an awkward position. According to the latest figures released by the Ministry of human resources and social affairs, there were 7.3 enterprises in the annuity plan in 2014, and the number of employees participating in the pension insurance system was 341 million. In those days, 22 million 927 thousand and 800 of the employees participated in the enterprise pension fund, and the fund accumulated 768 billion 895 million yuan. 22 million 927 thousand and 800 of the 341 million people accounted for only about 6.7%.

Enterprise annuity refers to a supplementary pension system established by the government under the guidance of the state policy and based on its own economic strength and economic conditions, which provides a certain degree of retirement income protection for the employees of the enterprise under the guidance of the state policy.

Our country Enterprise annuity The starting point for development should be traced back to the early 90s of last century. In 1991, in the decision of the State Council on the reform of the pension insurance system for enterprise employees, the concept of "enterprise supplementary pension insurance" was clearly put forward for the first time, which was the rudiment of the enterprise annuity later. A pilot scheme for enterprise annuity and enterprise annuity were issued in 2004. fund management But there are few water trials.

"2004" Tentative plan for enterprise annuity "Clearly stipulates that enterprises eligible for three conditions can establish enterprise annuity: take part in the basic old-age insurance in accordance with the law and fulfil the obligations of paying taxes; have the corresponding financial burden; and have established a collective bargaining mechanism.

At the same time, enterprise annuity refers to the supplementary pension insurance system voluntarily established by enterprises and their employees on the basis of basic old-age insurance in accordance with the law.

Occupational pension is an old-age insurance mode of "basic pension insurance + occupational annuity". The occupational pension of employees is the endowment insurance mode of "basic endowment insurance + enterprise annuity". At first glance, there seems to be little difference, but one is "coercion" and one is "voluntary", so that the gap between occupational pension and enterprise annuity is suddenly formed.

This may explain why so far only 6.7% of employees can enjoy enterprise annuity. And who are the limited employees?

"Most of the 6.7% are concentrated in central enterprises and state-owned enterprises. If enterprise annuity is not promoted as soon as possible, the retirement benefits of enterprise retirees will form a new gap with pensions of public institutions. Su Hainan, vice president of the China Labor Association, said in an interview that many small and medium-sized employees could not enjoy such benefits compared with the central enterprises or state-owned enterprises.