What is the reason for the funding gap of medical social security?

The Twelfth Five-Year Plan for Social Security points out that the investment and operation of the endowment insurance fund should be actively and steadily promoted to maintain and increase the value of the fund. We will continue to enrich the national social security fund through central budget allocation, allocation of state-owned assets, and expansion of lottery issuance to prepare for the peak of population aging (Xinhua News Agency, June 28).

The problem of social security fund gap has always been the focus of social attention. In particular, the recent topic of delaying retirement age and receiving pensions has pushed the social security fund gap to a new hot spot. There are two attitudes: one is pessimistic and thinks that there is a big pension gap. A previous research report found that by 20 13 years, the pension gap in China will be as high as 18.3 trillion yuan. The other is a more optimistic idea that the pension gap is not so shocking and there is no need to delay the retirement age in the near future. Raising funds through multiple channels can completely make up for the future pension gap. The author holds a second attitude.

In the long run, with the aging population in China, the pension gap will eventually be exposed. However, since the pension gap has been exposed, we have enough time, economic foundation and economic strength to deal with it. From now on, it is right to attach importance to it and take measures to deal with it step by step, but being too flustered or even alarmist can only scare yourself, which will not only help, but also affect people's consumption and thus affect economic development. At present, the status quo of pension is 20 1 1 annual balance 1.9 trillion yuan, and all provinces are looking for ways to maintain and increase the value of the huge pension balance. As we all know, one way out is to entrust management to the National Social Security Fund Council. In short, China's social security funds, especially pensions, have no near worries, only far worries. Ministry of Human Resources and Social Security's words refer to the events after 10 and 15.

To solve the "long-term worry" of the pension gap, we should start now and plan ahead. The author is optimistic about this. Multi-channel and multi-strategy fund raising is an effective measure to solve the gap of social security fund. Financial funds are the key to supplement the shortage of social security funds. One third or even half of the financial funds in European and American countries are spent on social security funds. If 20% of China's financial funds are used for social security funds, it will be at least 2 trillion yuan per year. It can be said that it has solved the bulk of social security funds.

We should increase the strength of state-owned assets to enrich the social security fund. Further increase support for the national social security fund, improve the relevant policies for the reduction and transfer of state-owned shares, do a good job in the retrospective transfer of state-owned listed companies, and enrich the national social security fund. Huge state-owned assets are a powerful economic backing to solve the shortage of social security funds. It is an effective channel for state-owned enterprises, including financial enterprises, to enrich social security funds through dividends. According to the author's preliminary calculation, the annual net profit of state-owned enterprises, including financial enterprises, is more than 4 trillion yuan, and the social security fund can be enriched at least 600 billion yuan every year according to the dividend of 15%.

Enrich the social security fund through social forces. Open lottery to raise social security funds, encourage enterprises, companies and individuals to donate to raise social security funds, and raise social security funds through holding a series of public welfare activities. Social forces and activities have great potential in enriching social security funds.

Give full play to the value-added role of professional institutions' investment and enrich the social security fund. The main force is the National Social Security Fund Council. By the end of 20 1 1, the total assets managed by the national social security fund reached 868.82 billion yuan. Since its establishment, the accumulated investment income of the Fund is 284.593 billion yuan, with an average annual investment return rate of 8.40%, which is 6 percentage points higher than the inflation rate in the same period. This part of the value-added is a new force to solve the shortage of social security funds. A large part of social security funds in developed countries are enriched and solved by maintaining and increasing value.

In short, we should attach great importance to solving the problem of social security fund gap ideologically, but we should not be too pessimistic and sensitive. It can be completely solved through multi-channel financing and operation.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.