Employee pension insurance reduces the cost, so who will fill this funding gap?

Employee pension insurance reduces the cost, so who will fill this funding gap? The contribution of employee pension insurance can be appropriately reduced to 16%, which means that the contribution of this pension insurance will be cheaper for enterprises. Who will bear the cost of this part of the reduction due to lack of funds? This situation is a difficult problem worthy of our attention and discussion.

As we all know, part of the contribution ratio of this pension, especially in enterprises, is generally 20% in oil. In recent years, the contribution rate of this enterprise unit has been decreasing, so that 20% of the contribution rate of the enterprise unit has not actually entered the personal account, but all of it has entered the overall account. Therefore, this overall account is actually a fund account, which directly pays pensions to these retired employees, so the money in this fund account has become less, so can it also pay an effective pension to retired employees?

Then I think I can immediately propose to reduce the proportion of the company's contribution to this old-age insurance, so that he must have clear countermeasures for the operation of this social security fund. It should be said that it will definitely not endanger the payment of pensions for retired employees, but it is obvious that your payment cost has decreased, and the income ratio of our fund will definitely decrease, so the total amount of funds will also decrease. However, this does not affect pension benefits. In recent years, it can be said that the operation of pension funds is relatively stable. At present, all of them can't make ends meet, and there is no problem that pension benefits can't be paid.

In addition, although some provinces and regions may have financial constraints, due to the establishment of the fund transfer system, it is actually possible to transfer the pension funds of those provinces with surpluses to such provinces with financial constraints to distribute pensions. This is a measure on the one hand, and some regions actually have certain government subsidies, so we can definitely guarantee the normal distribution of this pension while enjoying government subsidies.

Speaking of reducing the payment of endowment insurance, it is actually good news for the majority of enterprises. Because it can reduce the company's labor cost, virtually enhance the operating profit of the company and lay a good foundation for the company's sustained and stable development. As we all know, the proportion of personal social security contributions borne by enterprises is actually very heavy, almost as high as 50%, so it is necessary for everyone to reduce the proportion of personal social security contributions borne by companies.

In recent years, with the decreasing proportion of enterprises paying social security, it has actually increased the improvement of certain operating benefits for enterprises. In that case, on the one hand, it doesn't actually have much impact on our employees, because the cost of our employees' personal accounts allows us to bear 8% of the contribution ratio, and the contribution ratio borne by enterprises has no direct impact on our personal accounts, so it has no impact on employees.