What will happen to pension payments after the national harmonization of pension insurance?

After the national coordination of pension insurance, the payment of pensions will not change much.

As things stand now, it will be more difficult to realize provincial coordination in 2020, and it will take time to realize national coordination.

First, China's pension insurance system is based on two principles, one is fairness, the balance between the basic pension insurance rights and interests. The second is mutual *** relief, mainly reflected in the participants based on the systematic mandatory mutual *** relief.

Contribute to the pension insurance premiums, according to the unified rules of contributions, after retirement to enjoy the basic pension insurance benefits. Typically, high-income earners bear more responsibility for contributions, and low-income earners contribute relatively little to the basic pension insurance, thus reflecting the basic pension system of high-income earners to low-income earners to help.

The form of pension insurance, often in a larger geographical scope of the unified organization and implementation and unified fund revenue and expenditure management, can be a country, can also be a specific administrative region, of course, the larger the scope of the better, the more obvious between the region's mutual **** relief.

Second, China's current pension insurance collection method is to protect the treatment and raise the total amount of China's basic pension insurance premiums to implement the "pay to collect", a slight surplus, leaving a part of the accumulation of the principle, so the basic pension insurance fund-raising, has become a great need.

At present, China's pension payment has three sources, one is the basic pension insurance premiums, there are participants and employers to pay, the second is the financial subsidies. Including normal premium subsidies, pension insurance fund losses, financial underwriting. Third, the fund investment income and other funds. If the fund increases revenue more, financial subsidies will be reduced accordingly, if the fund is less, increase subsidies, has guaranteed the total balance of payments and sustainability.

Third, the current status of pension insurance, according to the Ministry of Human Resources and Social Security requirements, the enterprise employee pension insurance co-ordination and institutional pension insurance co-ordination is "two plates", two accounts, can not be used interchangeably.

The enterprise pension is a provincial fund mobilization and transfer mechanism, county-level specific management and implementation.

Pension insurance for public institutions started late, and the municipal and provincial fund transfer mechanisms have not yet been established. In accordance with the provisions of the higher level, the organs and institutions of the pension insurance "income gap" part, should be by the county-level financial support children, if the county-level financial difficulties, it is difficult to cover.

To achieve provincial or even national integration, it is necessary to increase the insurance levy or increase financial subsidies, the current state of our income, increase individual contributions or increase financial subsidies to expand the scope of integration is not an easy thing.

The answer to the question, thank you for reading!

Hello owner, pension insurance, the national unity after the pension will have what changes? At present, the national integration of pension insurance will take some time to be able to solve, not that immediately can be solved, because so far, many regions and many provinces have not even perfected the provincial integration, so how can we do the national integration, in fact, there is quite a long way to go, before you can finally achieve a national integration of the state, we are not saying that it can never reach the national integration, just relatively speaking, it's time to go to the national integration. It's just that relatively speaking, it's going to be a longer time and a longer process.

Then there are people on the ring of the national social security co-ordination after the release of the pension what changes it, on this issue I can clearly tell you, for your pension treatment will not be affected by any of the pension distribution will not be affected by any of the impact of the state is fully capable of guaranteeing the retiree pensions on time and in full, and almost every year, the pension is normal growth. Pension is a normal increase, and our pension treatment for any one of the retired elderly are able to receive a lifetime, so that this point is completely do not need to have any worry.

In fact, even after the emergence of the national social security co-ordination, then we have been for the retirement of this part of the retired elderly almost does not have any impact, because you have received a pension, so that there is no social security contributions to this piece of social security co-ordination is mainly for the basic pension insurance of this change, then for the issuance of our pensions will not have any impact, you will still be the normal monthly pension entitlements, you will not have to pay the pension, you will not have to pay the pension, you will not have to pay the pension. The first thing we need to do is to complete the normal once a year, the survival of the pension qualification certification can be, then you can normally receive the pension, the treatment.

Thanks for reading, please add my attention.

The owner of the hello, pension insurance, after the national coordination of the pension will have what changes? Pension insurance has not yet realized the national coordination, of course, the national coordination is only a matter of time, may be in the next few years, should be able to realize the true meaning of the national social security coordination. Will there be any change or impact of the national social security co-ordination on the payment of pensions? I think this should not exist, the national integration actually for has been completed, the retiree's retirement benefits will not cause the slightest impact.

Then you should get how much money of the pension, still can receive how much money of the pension themselves to receive the pension of the place, receive the pension of the way and receive the pension of the amount, will not happen any change. For retirees, the impact of the national pension system on them is minimal. Once the national coordination is implemented, it will have a significant impact on the people who are participating in the basic pension insurance, and the main group of people affected is actually the active employees, not the retirees.

You for example, now we say that if we want to change the work unit, then we have to carry out the normal social security transfer, although many regions have carried out the electronic social security transfer, but for us it is actually still more troublesome, especially this kind of inter-regional social security transfer, then many regions due to this social security base can not be out in real time, then it will lead to the transfer process caused by The problem of lagging, then medical insurance is also the same problem. Because after all, each region's social security benefits including social security base are different, so that after the realization of the national integration will facilitate these aspects of the problem, for our employees, especially the change of work unit, will lay a very good foundation.

Thanks for reading, please add my attention.

What will happen to pension payments after national coordination of pension insurance? Pension insurance to achieve national coordination, this is the general trend, the people's heart, in the future, we with a social security card to go around the country's desire can basically be realized. As there is no clear policy objective, it can only be a topic of discussion to share my personal views with you.

First, China's pension system has not been established for a long time.

China's pension insurance system has not been established for a long time, and the real establishment of a unified national pension insurance system was in 1997, that is, after the issuance of Guo Fa (1997) No. 26, that is, the State Council's decision on the establishment of a unified enterprise occupational basic pension insurance system. Although many pilot projects had been carried out before then, the proportion of contributions and the establishment of individual accounts were still at the exploratory stage, and although most localities had basically fully implemented a system of pension insurance contributions among enterprise employees since 1996, the establishment of a unified system nationwide came after the issuance of Document No. 26, which standardized the method of employee pension insurance contributions, i.e., the contributions were to be paid by the enterprise and the individual employee on a proportional basis; the proportion of contributions was standardized; and the amount of contributions was to be paid by the enterprise and the individual employee, and the proportion of contributions was standardized. The document also standardized the proportion of contributions, i.e., the maximum contribution of enterprises should not be more than 20% and that of individual employees should not be more than 8%; it standardized the objects of participation, i.e., in addition to state-owned enterprises, private enterprises, private enterprises, foreign-funded enterprises, industrial and commercial enterprises, and people who are employed flexibly in other ways can participate in the insurance system; and it standardized the management of the individual accounts, making it clear that the individual accounts belong to the individuals forever, and that it is transitioned from the management of the imaginary accounts to the management of the real accounts. The first step is to make sure that you are able to get the best out of the program, and that you are able to get the best out of the program.

Secondly, in the process of practice, gradually improve, gradually raise the level of integration.

Since the National Development (1997) No. 26 document issued, although China's pension insurance system gradually developed and perfected, but due to the low level of integration, the uneven economic development of various regions. In many places, the level of coordination is still at the county level, the division of responsibilities between the provincial, municipal and county levels is not clear, and the operation of the fund management is not standardized. In December 2005, the State Council issued Document No. 38 of the State Council on Improving the Basic Pension Insurance System for Enterprise Employees, according to the spirit of the Decision, the calculation of the pension is standardized, and the calculation of the pension is basically based on the basic pension, the transitional pension, the pension, and the pension. The calculation of pensions is basically standardized in accordance with the unified calculation of basic pensions, transitional pensions and individual account pensions, and the method of calculation has been standardized. Significant adjustments have been made to the system, namely, on the basis of perfecting municipal-level co-ordination, the level of co-ordination should be raised as soon as possible to realize provincial-level co-ordination, so as to create conditions for the construction of a nationally unified labour market and the promotion of the reasonable mobility of personnel. After more than 10 years of development and cultivation, the conditions for realizing provincial coordination of pension insurance have gradually matured. The so-called provincial coordination, mainly the implementation of the province's unified social security contribution policy, unified contribution base, contribution ratio and unified pension calculation, the fund to implement the province's unified transfer and operation, the pension insurance relationship in the integrated area to transfer more convenient.

Third, after the realization of the national coordination, what will be the changes in the pension payment?

After the realization of the national integration of pension insurance, the main advantages are mainly reflected in these aspects. First, the pension insurance contribution policy and retirement policy is more unified; Second, the pension insurance relationship can be retained in the country, to facilitate and promote the national mobility of talent, but also need to handle the transfer, the transfer procedures are more simplified and convenient; Third, the pension fund to achieve the national co-ordination, you can make up for the abundance of the poor, the retiree's pension is more guaranteed; Fourth, the calculation of pension to achieve the national uniformity of the pension, the difference between the pensions may be will be reduced. However, due to the vastness of China's territory and the large differences between the east and west, the north and the south, even if national co-ordination is realized, due to the different levels of economic development in different places, differences in the base for contributions and the specific indicators for pension calculation will always exist. For example, the calculation of pensions, now basically according to the people's government of the municipalities of the previous year's average monthly salary of employees as the basis for basic pensions, after the realization of the provincial level, many places are in accordance with the province's unified average monthly salary of employees in the previous year as the basis for calculating pensions, after the realization of the national coordination, the calculation of pensions is based on the average monthly salary of the employees of the country in the previous year, or to the provincial level of the annual average monthly salary of employees as the basis for calculating pensions. There is no clear policy on whether the national average monthly wage or the provincial average monthly wage should be used as the basis for calculating pensions after the realization of the national standardization, and I think there will be some regional differences. The first thing you need to do is to get your hands on a new pair of shoes or boots, and you'll be able to get your hands on a new pair of shoes or boots.

In summary, after the realization of the national coordination of pension insurance, the pension insurance policy is more unified, the transfer of pension insurance relationship is more convenient and simple, and the calculation of pension is more standardized. However, for the payment of pensions is still unified by the county social security bureau, the pension payment of retirees will not have any change.

In my opinion, this topic involves two major policy issues that need to be clarified, and, still, there are two practical policy issues that are closely related. The first is why we need to engage in the national integration of pension insurance costs; the other is the implementation of the national integration of pension payments.

I. First of all, why do we need a nationalized system of pension insurance premiums?

The so-called national integration of pension insurance premiums means that the proportion of contribution to the premiums should be completely consistent throughout the country, unlike the current fragmentation, which is only realized in some provinces, and the method of contribution should be generally consistent. It should be said that, according to the plan in 2020 to realize the national pension insurance premiums at the provincial level, has been a lot of progress, which in individual provinces is the past municipal level, must be accelerated and transition to the province as a whole, which has been a great leap forward and is not easy.

Pension insurance premiums for the implementation of national coordination, and institutional pension insurance system to achieve convergence, they complement each other, imperative, the ultimate goal of the task of the completion of the policy plays a remarkable role, is of great significance. In this way, the pension insurance premiums can be used in the national scope of the unified transfer, fund-raising, operation, investment and management, as well as support for, anti-risk capacity, the sustainability of the social security system, will be on a big step, which is also individual provinces of the pension fund to exhaust the income does not cover the expenditure, fueled by a major inevitable results.

Second. The problem of pension payments after the realization of the national coordination of pension insurance costs.

It must be recognized that with the smooth progress of the reform of the national enterprise pension insurance system, as well as the implementation of the tasks of the reform of the institutions and institutions of the reform of the pension track, the nationwide pension insurance premiums revenue and expenditure trend is more stable and orderly, has for many years in a row to achieve the retiree's basic pension on time and in full, the basic pension insurance fund to achieve the "to spend to determine the revenue, a slight surplus", the basic pension insurance fund. The basic pension insurance fund has achieved the goal of "keeping expenditure within the limits of income and making a slight surplus", which is a rare and precious achievement. Moreover, the enterprise pension insurance fund has a balance of 5 trillion yuan in the account.

After the realization of the national pension insurance fee coordination, what will be the changes in the payment of pensions? From the current reality, the provinces, autonomous regions and municipalities directly under the Central Government in the short term, to maintain their relative independence, mainly reflected in the calculation of certain differences in the method of payment, that is, to maintain the current treatment calculation method continues unchanged, not only is necessary, but also natural. This is with our country's vast resources, differences in the basic national conditions are obvious is inseparable.

Will there be any changes in pension payments after the national harmonization of pensions?

The national and provincial co-ordination of pensions, which is the state of the pension income is not even, some places have a gap in some places have a surplus of a method of adjustment, from the macro balance of the pension funds, easy to use funds to avoid some of the north of the mainland, there is a lack of pension insurance fund reserves issued by the pension to not. Now the specific pension payment method is still the country to master the general policy, the specific implementation details or the provinces according to the specific circumstances of the specific development, there will be no big change.

For example, the different methods of calculating pensions for institutions and enterprises and the different provisions of the pensions caused by the gap and the disparity between the problem which will still not be resolved, such as the "middle man" in various parts of the world to the "index of the same as the provisions of the different, and still can not be harmonized, these issues are not the national pension system can be resolved. The problem of integration can only be solved by uneven use of funds around the constant problem, can only be adjusted between the local pension payment method is another matter.

I think this issue, the party and the government is very concerned about the pension of retired workers, the national integration of a chessboard is mainly the party and the government to take care of the country's retirees in all regions, can be received in a timely manner to the pension, to break the past some areas can not be issued pensions, the basic life of retirees are affected. After the national integration of the annual plus retirement pension salary to achieve equality for all, there will not be some places high and some places low, the majority of retirees are very grateful to the party and the government's care for retirees, living a happy life, the majority of retirees to enjoy a well-off social life.

After the national coordination of pension insurance, it can ensure that the provinces, municipalities and cities can be issued on time pensions. Because some provinces pensions have been unable to cover their expenses, if there is no support from developed provinces and no transfer payments from the central government, some provincial retirees will not be able to get their pensions on time.

In June 2020, the Ministry of Finance announced the annual budget of the central transfer fund for 2020, and pensions are subject to centralized transfer. Only seven provinces in the country are net contributors, 22 provinces (including the Corps) are net beneficiaries, and three provinces are flat in terms of contributions and transfers. Guangdong, Beijing, Zhejiang, Jiangsu, Shanghai, Fujian and Shandong are net contributing provinces, Guangdong alone contributes 1/3, Guangdong and Beijing together contribute more than 60%.

In the net beneficiary provinces, the Northeast and Hubei are the biggest beneficiaries, Liaoning net benefit of 55.558 billion yuan, Heilongjiang 48.556 billion yuan, Hubei 18.687 billion yuan, Jilin 14.519 billion yuan, which accounted for more than 3/4 of the total benefit of the four provinces, Liaoning, Heilongjiang provinces accounted for nearly 60%.

Hubei's net benefit this year compared to last year's increase of 55%, mainly the impact of the outbreak of the new crown epidemic, the three northeastern provinces is mainly the aging rate is too high, and some provinces have long been unable to collect pensions. As early as 2016, Hebei, Inner Mongolia, Liaoning, Jilin, Heilongjiang, Hubei, Qinghai, the seven provinces have appeared in the current (annual) pension fund income does not cover expenses, it is estimated that by 2022 half of the provinces pension fund will not cover expenses.

These provinces that do not meet their expenses will be mainly distributed in the northeast and central and western regions, in which the three northeastern provinces are all listed. Why is it again the three northeastern provinces, take a look at the major provinces in 2019, the population increase ranking will be clear, Guangdong, Zhejiang is far ahead, while Liaoning, Jilin, Heilongjiang provinces are facing a continuous outflow.

On the one hand, there is a constant inflow of natural and foreign growth population, and on the other hand, there is a continuous outflow of young people, which leads to a more and more serious polarization of the pension situation.

Obviously, once the **** and the country's longest son, today's Northeast provinces have become a national burden, Liaoning, Jilin, Heilongjiang when can end the days of relying on the relief of other provinces, when the Northeast can really revitalize?

The pension state wants to come to the co-ordinated distribution, you first touch your head whether the fever? Haha, spring dream is not awake it ......

Far from it, the well-known career and enterprise two-track gap, year after year called to shout, full of this cup of bitter wine is enough for you to drink every day!

The party and the government on their own people do want a bowl of water to end flat! But once the design to personal interests, career retirees who can heart balance and calm it! The people who are used to living a "rich" life and who want to live a "bitter" life? The first time I saw this is when I was a kid, and it was a very good time for me!

I don't want to talk about it, but I want to compare it with the facts!

**** witnessed the power, banking, taxation, industry and commerce, tobacco ...... how many "beautiful" units out of the retirees how "refreshed"! "Generous" tour of the country and the world ......

Society is like a pyramid; the largest group of people at the bottom is the bottom of the enterprise! Retirement is always moving fingers finely calculated, in the spirit of saving diligently check, to prevent the future of that old, the disaster of disease! But the pension is only two or one-third of the career retirement money who dares to go "dash dash go back"?

Hey! The young man recruited as if the "leaf fall" points fate! Or, as I said earlier; when the leaves fall into the "toilet and carpet" early qualitative natural difference! I'm not going to be able to do that, but I'm going to be able to do that.

Stop, the more I write, the more pessimistic I get! I'm sorry, but I'm not sure if I'm going to be able to do this! "The wrong tire, the wrong way, the wrong team," are all life!

Thirty years of textile enterprise workers, wind and rain to go to work eight hours a day (not counting the Jingzhou and Shashi round-trip distance of dozens of miles time ah).

Three shifts of hard times took away my youth, increased wrinkles on the forehead!

Thirty years in the evening and evening return, more illiterate stars, sun, moon, summer and cold people, and not as good as the back of the big trees (institutions) "full-time" family pension! The company's home pension is nearly 4,000 dollars, and there are more!

This, where is the reason?

This, where is the reasoning? This is not exactly the lack of happiness, but only the anger of the fire?

I asked;

Unified, how to "unify" method (hair)? The first thing I want to do is to make sure that I have a good idea of what I want to do!

Want to move those people's "cheese", three feet of ice, not a day of cold!

Now there is a pension? The only way to do this is to get the money back!