What are the reasons for the gap in pension funds? How to solve these problems?

Some people take too much pension, and one person takes a lot of people's money. Why? As a savings, as an inheritance, it completely lost the original intention of providing for the aged, which is unreasonable. Therefore, pension reform is imperative! Let the pension return to his original intention, pension!

The reasons for the pension fund gap may be as follows:

1. The income and expenditure of pensions are unbalanced, resulting in a gap between income and expenditure.

2. Poor pension management may lead to misappropriation and corruption. Form a funding gap.

3. Insufficient pension collection, resulting in a funding gap.

4 pension investment losses, resulting in a funding gap.

5. Other reasons caused the funding gap.

How to solve the above problems?

Relevant departments should pay attention to the problem that robots replace labor. If robots are only regarded as machines, it is a trend for robots to replace labor. The entry of robots into the workforce is unstoppable, and even 60% of jobs will be replaced by robots in 20 years. If the robot is regarded as a person, this "person" should also pay social security, but it should be called "social security replacement fund" instead of social security. Don't just focus on delaying retirement. People's life is limited, and so is their working age.

The main reason for the pension gap is that it is regarded as payment. The new retirement system of enterprises and the years of unpaid work before the implementation of the New Deal are calculated according to the payment, resulting in empty personal accounts. The whole country is regarded as a fund vacancy caused by payment, and the amount of funds is huge. Before the implementation of the New Deal, some experts reminded that the profits of state-owned enterprises should fill the capital vacancy, but unfortunately it has not been realized so far. In the case of unpaid old accounts, since the institution pension system was implemented on 20 14, the unpaid part has been reused, and retirement is regarded as payment calculation, resulting in new empty accounts. The huge funding gap caused by the same payment should be highly valued by the state. Investing in pension accumulation, buying government bonds and adjusting funds in various provinces can't make up for the huge funding gap.

Someone's salary is too high, I suggest.

1. Less people pay, more people take money.

2. Pay less and get more.

3. Payment is out of proportion to pension income.

4. The increase in pensions, according to the proportion of pensions, leads to the more pensions are taken, the more they rise, and the future pensions will be pushed down.

5. Old accounts are unclear, and new accounts are issued.

The social security fund for urban workers is generally in balance, and there is no gap at this stage. The state's financial subsidies for social security are mainly subsidies for urban and rural social security. Farmers of the older generation, who didn't pay a penny of social security in their early years, can still get a basic pension of 1200 yuan for nothing. Some farmers pay social security of 100 yuan a year, but now they can get a pension of 1200 yuan a year, and it is still rising year by year. This is the main source of the gap between urban and rural social security funds. At present, many people in the whole society strongly demand that the state cancel the basic pension that the old peasants have reached out for nothing and realize the real equity of providing for the aged.

Not paying money is dozens of times more than paying money.

There are fundamental practical problems in the import and export of pensions. Civil servants, administrators, institutions, enterprises and urban and rural residents provide for the aged. There is a big error in these retirement wages, which has formed a steep slope from the tilt of state subsidies. There is also a problem that some people contribute a little and return a lot: farmers with low tendency have not exceeded the standard. The wool is on the sheep, and the farmers pay 1 000 yuan, and the salary is only over 200 points. According to the previous employees who paid 3,000 yuan, they could get more than 800 yuan. According to the payment of 2000 yuan at that time, it should be more than 600 yuan. But where does this collective make up for this collective? I want to ask a question, where did the China family make up the money in their career? If you really don't lose money, you will be treated equally. Just as bank deposits are calculated at high interest rates, everyone will not lose money at all. Go ahead, and there will be fewer people behind. Will it be worse in the future? It is related to the balance before and after. Only paying pensions to balance income, one high and one low treatment is a loss at any time.

Pensions are increasing every year, and they are all for the younger generation. This will overwhelm the younger generation sooner or later. Please don't just consider the elderly and the younger generation! ! !