What is an empty account of endowment insurance?

It means that the money corresponding to each personal account is not made real. Although many accounts should have so much money, they are actually empty, because China's actual pension operation mode is a combination of unified accounts.

Because the personal account is only a virtual account, in the financial management of pension funds, the mixed management mode is implemented, that is, the funds combined with unified accounts are allowed to be used mutually, and the basic pension is replaced by the basic pension.

Without a personal account, it is impossible to cut off the connection between the overall fund and the account fund and lock in the debt of the overall fund. In order to meet the current payment demand, some places have used a large amount of personal account funds accumulated by China people and newcomers, resulting in the problem of empty personal accounts.

The problem of pension "empty account" in extended information has attracted much attention from the industry. According to the China Pension Development Report 20 12 compiled by the World Social Security Research Center of China Academy of Social Sciences, the scale of empty accounts at the end of 201/kloc-0 has reached 2.22 trillion yuan.

Some experts said that this 2.22 trillion yuan is only a conservative estimate, and Zheng Silin, the former Minister of Labor and Social Security, gave an astronomical figure of 2.5 trillion yuan as early as 2004.

Before 1999, only contract workers were insured, so the national social security is not accumulated. It turns out that retired workers have never paid social security, but now they all receive pensions from social security. Their pension is social security paid by employees, and social security has always used this money to advance pensions.

Later, the rural pension system was implemented, and farmers did not pay their pensions before, so their pensions were paid in advance with the money paid by employees now.

Baidu Encyclopedia-Pension Empty Account

People's Network-Who will fill in the "empty account" of pension?