The Contradiction Between The Accumulation Of Basic Old-Age Insurance And National Co-Ordination Will Be Bigger And Bigger.

The nationwide plan for basic old-age insurance is coming soon, but the uneven payment rate makes the system arbitrage in some areas. Obviously, the balance of the national pension is that the richer the richer, the poorer the poorer. This is also one of the main reasons for the implementation of the national co-ordination in the areas where more surplus areas are in conflict. To raise the level of pension coordination, we can completely get rid of the problem that the gap between the income and expenditure of the regional fund can not be dispensed from the system, and can improve the efficiency of fund utilization.

"According to the timetable, the national plan for basic old-age insurance will be promulgated at the end of the year. At present, the right to collect pension is relatively clear. The property rights and interests after centralized custody belong to local ownership. This problem is not too big. The key is to co-ordinate the whole system in the system arbitrage." On the eve of national day, Dong Dengxin, director of the financial and Securities Research Institute of Wuhan University of Science and Technology, told reporters in a media interview that the contribution rate of endowment insurance in some areas was low. Once the national overall planning is implemented, the low rate of payment will surely take advantage of it.

This year's national two sessions, Yin Yumin, Minister of the Ministry of personnel and social affairs has said that the overall operation of pension insurance is stable, but the pension fund's future balance of payments is facing enormous pressure, and the national plan for the overall plan for old-age insurance is launched this year. At the press conference of the Ministry of personnel and social affairs, Li Zhong, spokesman, said that the next step would be to formulate the overall plan for the reform of the pension system and the national plan for the basic pension of the staff.

Since May 1, 2016, the proportion of basic old-age insurance units paid by enterprises has been reduced by 20% from 19% to 8%. However, before this round of adjustment, some areas had already begun to "self - reduce fees". For example, since 2012, Zhejiang has unified the proportion of basic old-age insurance premiums of employers in the province. That is to say, the proportion of basic old-age insurance premiums paid by the whole province to participate in the basic old-age insurance for employees is 14%, so as to promote the basic old-age insurance for employees of enterprises.

Then, in 2015, Guangdong also unified the proportion of the basic pension insurance units of enterprise employees to 14%. In addition, the proportion of basic pension insurance units in Shandong and Fujian is 18%, which is lower than the 19% stipulated by the state. "The basic old-age insurance contribution rate is low, which undoubtedly optimizes the investment environment of the enterprise competition, and creates a good policy environment for the adjustment of the local industrial structure and economic spanformation and upgrading. However, this adjustment should be based on the guarantee that the endowment insurance fund can guarantee payment."

Sun Bo, a special member of the 50 Member Forum on pension finance, told reporters in a media interview that there were 10 provinces in Guangdong province and Shandong province which had accumulated more than 100 billion yuan in the total endowment insurance fund as of the end of last year. Investment operation 。

However, contrary to the situation in Guangdong and Zhejiang, the scale of basic pension in some provinces and cities is shrinking rapidly, and the current income and expenditure in some areas are deteriorating year by year. For example, in 2015, the number of failing to reach the province in the current period increased from 3 in 2013 to 6, except for Shaanxi, Qinghai and Hebei.

Reducing the rate of old-age contribution is conducive to the development of local economy and enterprises, but social insurance has the characteristics of mutual help and mutual assistance. That is to say, although there are many pension balances in some areas, from the perspective of national co-ordination, it should be implemented in accordance with the standards set by the state so as to make greater contributions instead of leaving the arbitrage of the system in the locality. Dong Dengxin said that if all places only calculate their own interests, then the problem of the accumulation of basic old-age insurance nationwide will become more and more, and the contradictions will be bigger and bigger.

"The issue of national co-ordination of old-age insurance is rather complicated. In Guangdong and Zhejiang, although the rate of contribution is low, there are many balances. Although the rate of payment is high in Northeast China and other places, the balance is small. From this perspective, the lower balance areas are the ones that take advantage of co-ordination." However, Sun Bo also said that from the relevant laws and regulations, there is no clear indication that more balance areas can independently reduce the description of endowment insurance contribution rates.

Over the years, Guangdong, Zhejiang and other places have been major labor importation provinces, with low statutory labor costs to win investment and industrial development advantages, while the elderly population is relatively small. That is to say, the number of pension payments is small, so the balance of pension fund is relatively large. But it has always been regarded as endowment insurance. National overall planning The burden of the northeast region in China's social security system spanformation process, indeed made greater contributions than the Yangtze River Delta, the Pearl River Delta and other regions.

"Basic old-age insurance should be implemented uniformly throughout the country, but because of the fact that it is still at the stage of local co-ordination, the provincial government can set rates. If the implementation of national co-ordination is implemented, the rate will be determined by the central level." Dong Keyong, Secretary General of the 50 person forum of China's pension finance and former dean of the school of public administration of Renmin University, told reporters that the basic endowment insurance rate will eventually achieve a unified national rate standard, which is difficult to achieve at the moment, but the direction is clear.

According to the data, there are 25 provincial units that have reached the provincial level as a whole, but only five provinces and municipalities in Beijing, Shanghai, Tianjin, Shaanxi and Fujian have achieved the overall standard of "unified revenue and expenditure". Besides, the level of basic pension coordination in other provinces and cities is still very low. Administration It is also more dispersed. "The overall plan for the endowment insurance involves two aspects. One is the overall planning of payment, and the other is the co-ordination of payments. The co-ordination between the two ends can not be simplified to understand. In the current situation, it is difficult to achieve one payment standard according to the situation. The areas with high rate of payment do not want to, and the areas with low contribution rates take advantage of the fact that the rate of payment is low." the two is the issue of overall planning.

Dang Junwu, deputy director of the China Research Center for aging Sciences, told reporters in an interview with reporters that under the premise of achieving the provincial level co-ordination of the pensions, all provinces should be divided into several districts according to the level of economic income, and then, in the first few districts, the "unified collection and payment of the pension" should be realized in order to achieve the goal of the overall national pension system. For example, the contribution rate of the old-age insurance in Jiangsu and Zhejiang provinces can not be the same as that in Gansu and Lanzhou.

In the view of Dang Jun Wu, the overall national pension plan is only a means rather than a goal. It can not be co-ordinated as a whole. It should wait until the conditions of the system, management, technology and knowledge are available, so as to avoid conflicts arising from the large differences between the regions in the process of national co-ordination.

In addition, the party Jun Jun suggested that a balance should be made in the payment links. For example, in areas where the rates of payment are low, there should be no more preferential treatment and subsidies. Apart from enjoying a certain amount of mutual benefits, there should be a certain floating space in the expenditure link for the areas where the rates of payment are relatively high. That is to say, in addition to the main standard, a supplementary standard should be set up for them, so as to stimulate the enthusiasm of the overall national pension plan in the areas where the rate of payment is higher.