The gap in social security funds in 2019 is 18.3 trillion, and will reach 30 trillion in 2019. The country calls for postponing retirement. I will tell you how to solve it.

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The "Outline of the Twelfth Five-Year Plan for Social Security" points out that the investment and operation of pension insurance funds should be actively and steadily promoted to maintain and increase the value of the fund. Continue to enrich the national social security fund through central fiscal budget allocation, allocation of state-owned assets, expansion of lottery issuance and other channels to prepare for the peak of population aging (Xinhua News Agency, June 28).

The problem of social security fund gap has always been the focus of social attention. In particular, the recent topic of delaying retirement age and delaying pension payment has pushed the issue of social security fund gap to a new hot spot. There are two attitudes: one is a very pessimistic attitude, believing that the pension gap is very large. A previous research report found that my country's pension gap was as high as 18.3 trillion yuan in 2013. The other is a more optimistic thought, which believes that the pension gap is not so appalling, and there is no need to delay the retirement age in the near future. The future pension gap can be completely filled by raising funds through multiple channels. The author holds the second attitude.

In the long term, as my country’s population ages, the pension gap problem will eventually be exposed. However, the pension gap has been exposed for a long time now, and we have enough time, economic foundation, and economic strength to deal with it. It is right to start paying attention and gradually take measures to deal with it from now on, but being too panicked or even alarmist will only scare yourself. It will not only not help the matter, but will also affect people's consumption and thus economic development. At present, the current situation of pension funds is that there was a balance of 1.9 trillion yuan in 2011, and all provinces are trying to figure out how to maintain and increase the value of pension funds with huge balances. As we all know, one way out is to entrust the management of the National Social Security Fund Council. In a word, my country's social security funds, especially pension funds, have no immediate worries but long-term worries. The "far" in Yuanchou, according to the words of the person in charge of the Ministry of Human Resources and Social Security, refers to things 10 or 15 years from now.

As for solving the “long-term worry” of the pension gap, we should start now and prepare for a rainy day. The author is optimistic about this. Implementing multiple strategies and raising funds through multiple channels are effective measures to solve the social security funding gap. Fiscal funds are the key to supplementing insufficient social security funds. In European and American countries, at least one-third or even half of the fiscal funds are used for social security funds. If 20% of our country's fiscal funds are used for social security funds, then it will be at least more than 2 trillion yuan every year. It can be said that the bulk of social security funds have been solved.

State-owned assets should be intensified to supplement social security funds. By improving policies related to the reduction and transfer of state-owned shares and doing a good job in the transfer of state-owned shares retroactively in state-owned listed companies, we will further increase support for the national social security fund and enrich the national social security fund. Huge state-owned assets are a powerful economic backing to solve the shortage of social security funds. It is an effective channel for state-owned enterprises, including financial enterprises, to turn over dividends and add them to social security funds. The author's preliminary calculation shows that the annual net profit of state-owned enterprises, including financial enterprises, is more than 4 trillion yuan. If dividends are paid at 15%, social security funds can be enriched by at least 600 billion yuan every year.

Enrich social security funds through social forces. Develop and issue lottery tickets to publicly raise social security funds, encourage companies, companies and individuals to donate to raise social security funds, and organize a series of public welfare activities to raise social security funds. Social forces and social activities have great potential to enrich social security funds.

Use the value-added role of investment by professional institutions to enrich social security funds. The main force is the National Council for Social Security Fund. By the end of 2011, the total assets managed by the National Social Security Fund had reached 868.820 billion yuan. The cumulative investment income of the fund since its establishment is 284.593 billion yuan, and the average annual investment return rate is 8.40%, which is 6 percentage points higher than the inflation rate during the same period. This added value is a new force in solving the shortage of social security funds. A large part of social security funds in developed countries is enriched and solved through value preservation and appreciation.

In short, we should attach great importance to solving the problem of social security fund gap ideologically, but we do not need to be too pessimistic and sensitive. It can be solved through multiple channels of raising and operating.