The current situation of China's old-age insurance problems and countermeasures

China's current basic pension status of the elderly are: First, home care, both urban and rural, family-centered, relying on their children and relatives; Second, social pension, urban and rural areas are responsible for the pension by the social welfare institutions (refers to all levels of the civil affairs department of the old people's homes, welfare homes, belonging to the state-funded); community committees, the street office of the old people's homes, care centers, etc. (belonging to the nature of the self-financing); Third, private pension, some private enterprises invested in the opening of nursing homes, etc., individuals with the desire to choose the pension (self-supporting nature); third, private retirement, some private enterprises invested in the opening of nursing homes, etc., individuals who have the will to retire to choose. Generally such nursing homes charge higher fees.

Suggestions for the current state of the country's pension system:

It is recommended that the state treasury be able to invest more money in the construction of pension facilities around the country. For example, more public nursing homes should be built, nursing home service staff should be expanded, and the level of nursing services should be improved.

Two, allow more private capital and foreign investment in the construction of elderly facilities. But they should be given tax breaks or supportive policies. And in the approval of the various aspects to be guaranteed smooth, convenient and fast procedures.

Third, to encourage more commercial insurance companies (including domestic insurance companies, foreign insurance companies) to carry out pension insurance business, to encourage individual citizens in addition to the basic social security, in addition to the financial ability to allow for commercial pension insurance, and will pay the premiums in the payment of personal income tax before deduction.

Fourth, it is recommended that the national residents to implement a unified pension insurance system. Can have a basic pension as the basis, according to different occupations, different years of work, issued a different proportion of the pension.