Five full pension accounts

Abstract: since the huge empty account of pensions has become reality, people are more concerned about the problem is: what ways to enrich the pension accounts are at the moment? Empty account of pensions crisis now trouble has been brewing for some time. Government at the moment it is difficult to quickly resolve this problem in a short time, but still there are many ways to a certain extent, ease the expansion of empty account speed, as long as a multi-pronged, cover vulnerabilities in a timely manner, time, empty account is the ability to pension problems gradually solved. 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However, the Government took "necessary deduction", and does not form a separate insurance fund, but has put into construction, this is where the root cause of today's historical burden of the pension. So in theory, right now the best solution is to use as soon as possible to fill the deficit of State assets, because the State-owned assets was included in the planned economy era in the same year "necessary deduction". According to the calculation of financial commentator sandalwood, as long as the premium of the State-owned assets into old-age pension at a rate of 10% per year, will be able to gradually make up the current gap. Is in the peak of Chinese assets, securities market gives a higher premium. And in the preservation and appreciation of State-owned assets in the securities market at the same time, through State-owned shares in part, to the Pension Fund and the annual bonus subsidy pension funds of State-owned enterprise approach can be more effective to make up for the pension insurance fund gap. Method two: reducing "Excellencies," expenditure and partially under the pension fund income index: ★ ★ ★ ★ ★ risk index: index of difficulty ★: ★ ★ ★ ★ ★ urgent index: ★ ★ ★ ★ reduced the Government's administrative costs have been social hot topic in recent years, consumption, which public money eating, bus travel caused by huge expenditures of people particularly strong resentment. According to China Central television reported that the "Excellencies," expenditure has become a national hazards, in 2008, China's "Excellencies," expenditures had amounted to $ 900 billion, 30% of the total national expenditure. 37 billion surged more than 20 times than 1989, 90% faster than the growth rate of the national economy at least. It was just a sum of account, the 900 billion, you can make 5 of three gorges project, you can build 100 Shanghai Maglev can cost 1 million yuan in the construction of a 900,000 hope primary schools in rural areas, of course, you can make up for the current and most of the pension gap. Objectively say, "Excellencies," most of the expenditure can be reduced, as long as the present consumption of public funds used to subsidize half of the amount of the pension gap, China's pension crisis almost empty account within a few years evaporated. Difficult but easier said than done, to effectively reduce Government "Excellencies," expenditure no little difficulty. Method three: the national pension and manpower management, improve the efficiency of pension management. Return index: ★ ★ risk index: index of difficulty ★: ★ ★ ★ urgent index: ★ ★ ★ ★ ★ If two methods help on old-age pension "open source", then this method will no doubt be to "cut expenditure". Since our present pension management did not achieve national co-ordination, dispersed around management lead to inefficient management, not only unable to outperform the inflation rate, yields were not even long-term savings. And pension supervision system in China is not sound, right to personal account administration, Fund operations and supervisory power is concentrated in the social security sector, is not conducive to ensuring the independence and integrity. Appears in some areas of social security funds in previous years has undoubtedly we sounded the alarm. Only by achieving national co-ordination and effective supervision, can guarantee this reserve accumulation Fund not be corruption of embezzlement, while increasing management efficiency of the pension. The other hand, national co-ordinating will greatly increase enthusiasm with hundreds of millions of floating population, currently available because of social security co-ordination, when insurance staff transfer and employment sites, units to pay the pension part cannot be transferred, it also caused the Delta waves of peasant-workers ' collective surrender last year, further reducing the size of pensions. Implement a national co-ordinating the can avoid this from happening, more fresh blood for the Pension Fund. Method four: appropriate scope of developing pension investment, improve the efficiency of pension investments. Return index: ★ ★ ★ risk index: index of difficulty ★ ★ ★ ★ ★: ★ ★ ★ urgent index: ★ ★ ★ national finance and personal finance to achieve expenditure after filling the empty account of pensions, next is to investment to realize the value of assets. It is a pity, my rate of return on investments of pension funds have not been high, said Zheng Bingwen, look at the 2009 year, yields 16.1% Social Security Fund, annuity income rate of 7.78%, but the rate of return on investments of pension accounts in China not to 2%. Face is higher than the rate of the CPI, formed the great loss of welfare. In the past 9 years, CPI averaged 2.2%, according to Super trillion Fund income, means that the annual loss of billions of. Reason why is because according to current regulations, basic Endowment Insurance Fund in China can only be deposited in banks or bond purchases, in an era of negative interest rates has become the norm, this investment strategy of running across the CPI no surprise. Chinese people's University Professor Zheng Gongcheng pointed out: "the problems currently faced is not old-age insurance system in China, but rational regulation of pension fund investment appropriateness and investment issues. "Therefore he proposed to introduce pensions investment operation as soon as possible and regulatory approach, to solve the problems yields runs but the CPI. Method five: defer retirement age income index: ★ ★ ★ risk index: index of difficulty ★ ★ ★ ★: ★ ★ ★ ★ urgent index: ★ If the above method cannot be effectively implemented, the last way is to delay the retirement age. Early in 2008, the protection of Social Security Institute Director he Ping has said publicly that relevant departments are in the making when conditions are ripe to extend the mandatory retirement age, gradually raising the retirement age to 65 years of age. This is an old-age pensionsPay crisis the most direct and effective but also irrational approach. After all, the problem of ageing is the global challenges of the 21st century, "late fall" has become a general trend of developed countries helpless, China is no exception.