How to solve the shortage of social security funds and seek the best solution.

If there is really a gap in the social security fund, we must first thoroughly reform today's unfair, unjust and opaque social security system! Then the best solution to this problem is:

1. Determine the amount of retirement benefits after retirement based on the length of social security service and the amount of social security payment. No matter whether he (she) is a civil servant, a worker or a clerk (except the old Red Army and the old revolution), he (she) should be treated equally. The length of service is not equal to the length of service of social security, that is, the age of paying social security, and the length of service of social security = deemed payment length of service+payment length of service. Suppose a civil servant's length of service is 30 years, and he has never paid social security during this period, then the civil servant will only be deemed to have paid the length of service, and he can only enjoy the retirement salary that is deemed to have paid the social security part when he retires.

2. government officials or civil servants must pay or supplement social insurance before retirement. The payment period is only one year, and the payment period is only 65,438+00 years. Of course, if the payment is less than 15 years, you can't get the retirement salary. Now government officials or civil servants can't enjoy retirement wages without paying social security! Unless he makes up a working year and doesn't pay social security. Let's calculate, when they repay, even if it is 15 years on average, what a huge number! Is it necessary to delay retirement age?

Social insurance must be based on fairness and justice! Otherwise, everything is impossible! Those who don't pay will not benefit, those who pay less will pay more, and "overall planning" will be resolutely banned! Do you know what "master plan" means? "Overall planning" means that the social security paid by ordinary people is given to government officials or civil servants; "Overall planning" means "overall planning" people who pay more social security to those who pay less social security! I hope everyone must remember: how much of the social security we pay is "overall planning"? !

4. Establish an "independent social security personal account". Independent social security personal account refers to: social security fund calculated according to the payment period+social security fund paid by the unit for the individual+social security fund paid by the individual+bank deposit interest of the first three items+financial dividend. All social security funds must be deposited in an "independent personal social security account". The ownership of this account belongs to individuals, and no one may misappropriate it without authorization. The state can supervise it to prevent the loss of personal social security funds caused by improper use by individuals and affect the monthly welfare benefits when they retire. If the country has a good wealth management product, it must obtain the consent of the parties concerned, and truthfully inform the name, nature, interest rate, risk assessment and other contents of the wealth management product, and the owner has the right to choose or refuse.

5. The funds in the "independent social security personal account" have the right of inheritance. The current practice is that only the part of social security withheld from personal wages has the right of inheritance, and others, such as those that are regarded as contributions and paid by units for their individuals, have no right of inheritance, which is a large part! It means that after the death of a social security person, no matter whether he is over 60 or under 60, all the parts in his account that are regarded as payment and paid by the unit for him are confiscated, which many people don't know! So we want the ownership, the right to know and the right to control the social security account!