] China's premier deceit - old-age insurance system
now the Central People's Radio is to argue the matter:
1) an specialist and even a This is a premeditated fraud,
2) for the need to continuously pay pension for 15 years to be efficacious, that is until after the age of 65, only to receive a bit of a fixed monthly pension until your necrosis is coming.
3) is now the global economy, everyone's job changes are frequent, most people can not pay the same location for 15 years continuously, then the rest are sponged by the local government.
This phenomenon has been going on for a decade, 2 decades, so the radio's special guest, said draft that this entity, I have talked almost boring ...... so I calculate this is a regional government knowingly premeditated. I worked in Shenzhen, then went to Beijing. Shenzhen's social security now I can only pay portion of the extract I was, I can not extract while the company paid. I paid the company to Shenzhen on entire IESS own pocket. Then, despite the policy that I can extract some of their pay, merely gave me a lot of pretexts. First I have worked in Shenzhen for five years; later said, must apply in person to Shenzhen; then joined to this to that, in short, is especially complex. Finally had not mentioned.
policy that you can extract some of their own, in fact, you can not simply extract a penny. My students, working nine years in Nanjing to Beijing, Nanjing, then 9 years to pay the full white. Is that you can extract their own, the result set a heap of excuses, not to extract the last penny. Very illusive, and must say. More black medical insurance, for any cause, at a time you do not pay a month interruption, before the white cross on all public servants who gave up.
6-7 years ago, with the changing pension policy, the author has been vigilant on the issue of pensions and doubts which a crisis. Over time, the fact that not only the emergency, and, relating to the payment of more than 20 years of age, who can be said to be a smart and clever hoax.
China's social security payments, is not only completely from the workers, not to mention the people who live less than a 65-year-old can only do a Lei Feng; but also to support Social Security Bureau and that the cost of class commanders, or why public servants are afraid to open a kind of expenses and the sources it? IESS militia for high-rise how come?
place is another smart usage of retirement income that workers will be inflation, retirement criterion of alive is lower than originally planned, according to the present retirement enterprises firm prices to reckon the standard 1080 yuan, after decades of inflation as devaluation may must eat pork Renton.
stage of the planned economy that class retirees, has now reached the age of 65 still do not discern a lot of MA Marx, and they receive a pension that is now most of the work Young people pay, public servants who ambitions is to
Moreover, why such a tight employ in the community, the Government also recently amplified to normal employees deliberately retirement age of 65? And there are three secluded secrets:
First, an unspoken thing, besides a few public servants,
Christian Louboutin Flats, the extensive bulk of enterprise employees less than 50 years of age longer post, looking amenable to reaching the age of 65 had good climate to get that point retiree premiums, more than a decade long wait, do not know how many elderly people unable to go but down in the half-way. Even if part of the fortunate ones coming 65 years,
Christian Louboutin Shoes, China's average life expectancy is 72 years old, to pay insurance costs for decades, the average pension only receive seven years. The remaining funds are fully owned by the public servants who misspent in dictate of the treasury and any homework of.
Second, due to social reform, not compliant to pay old-age insurance, do not want to proceed to be deceived by the personal sector, individual businesses and freelancers are more and more public servants They set up funds of insurance fraud can not be sustained, the country suspended for five years had paid retiree premiums.
Third, because the social security funds in recent years by corrupt officials corruption, embezzlement and several billion deficit, has made the country has reached the age of 60 can not afford to pay staff retiree bonuses , and had deliberately delayed 5 years and then released, so the unity of emergency announced the retirement age of employees is 65 years antique (male, for example). Public servants also wish that this defer in payment of five years dead of starvation, disease, die part of the retirees, to graft more social security asset.
public servant who is such premeditated set of insurance fraud - you eat pork, nectar your blood, you kept for decades, to the handle is dead .
salute to reprint this treatise, so most people know the truth, public servants who are no longer cheated.
social insurance pay more the more wastage?
previous social security is not very comprehending, forever thought it was to pay the better, because you pay many more, the company would pay a lot more proper. But the last two days look carefully studied the social security policy, was actually surprised, that is not the case, in a sense, but is paying more the more loss.
to Shanghai, for instance, social security base the previous year's hat is 3 periods the average wage in 2006 for the 2235 * 3 = 6705 yuan, assuming your salary is 8,000 yuan, it will be 6705 as the base payment of social security.
first old-age insurance, this amount is the largest, 8% of individuals, that is 536 yuan, the unit 22%, 1475 yuan. Note, whatsoever, the unit will not pay a cent into your private account! All fjust aboutcial co-ordination. So how to you get older pension recipients, um, I retarded a bit, actually could not ascertain a explicit and lawful documentation. More popularly, the total pension payable for 15 years and reached the statutory retirement age, you can receive a monthly pension, the pension amount = base + individual account pension = pension before retirement a year the city's average monthly wages × 20 % + private accounts ÷ 120. This is equivalent, in counting to personal accounts is not the same, but we receive the basic pension is the same. The more you pay now is apparently the more losses, because in truth your own personal account to pay the money, you do not pay social security to its bank deposit is the same. But the company you pay for that part is completely done for the nation endowed, the more contributions to pay more. No wonder many companies regard the minimum wage was very cheap and increasing bonuses and subsidies, so that it can be saved as part of the insurance benefits published to individuals. Meanwhile, you enjoy the old-age insurance benefits will not be any distinction.
Besides health insurance, individual 2%, 134 million, 12% of units, 804 yuan. Similarly, only their pay into personal accounts, pay all been co-ordinating unit. Medicare's reimbursement policy is: For out-patient, first to his personal account funds to pay the account funds tired by the personal ego. It means not a penny to the report, but only to the appointed hospitals with designated drugs! For the hospital, there Qifubiaozhun, it seems to be more than two thousand, this standard the emulating accounts by individuals paid fewer than the pay for their own personal account in cash, which is two thousand or all of you out. Health insurance than Qifubiaozhun and underneath the most of 85% by the pond fund. This is all the same uniform standard, and it does not matter how many you pay. Like with the pension insurance company to pay that part of the medical insurance by the state to the
Second unemployment insurance, individual 1%, 2% of units, add up to 200, this is really fair did, anyhow, you fail to get, even if you do a job.
Finally, housing fund, individual 7%, 7% of units, a total of 938, the personal touches you all go, but the terminal inquiry, are in fact yet own money, countries do not have thrown any benefits.
so doing, other than wages in 8000, but also for you to pay 1475 +804 +134 +469 = 2882 yuan, equivalent to actual monthly pay of 10,
Christian Louboutin Pumps,882 yuan for you, and you actually get it? First, after deducting social security wage ,8000-536-134-67-469 = 6793 yuan, which deducted 663 yuan to 6793 yuan in taxes, is 6129 yuan in cash hand.
then count your personal accounts in the pension insurance, therapeutic insurance and provident fund companies and individuals pay the total value of your actual income for 6129 a month +536 +134 +938 = 7737 yuan.
we imagine different circumstance, or the company,
Christian Louboutin D'Orsays, it's in you budget each month is the same, that is the same as you pay 10,882 yuan. But it is the basic wage was very low, according to the lower base of Shanghai social security provisions (60% of the average monthly wage, that is 2235 * 0.6 = 1341 yuan) to bring you the remaining money to send you the form of bonuses and subsidies. In this path, companies need to pay social security are: 295. +160.9 +26.8 +94 = 577 yuan, your personal contribution
107.2 +26.8 +13.4 +94 = 242 million, after deducting wages of 4 gold left 1099 yuan (also not to a tax threshold).
enterprise tin give you the benefits of 10882-1341-577 = 8694 yuan, so namely your Social Security benefits later deduction of wages with a total of: 8694 +1099 = 9793 yuan, 9793 yuan after discounting income impose which 1263 yuan ( As far as I understand many companies that can too be impose benefits and perquisite, leaving alongside this calculate, once and for all, is every citizen's prerequisite to pay taxes) left 8530 yuan, which is the hand you cash. Including assurance and provident fund individual accounts, real earnings because the month
8530 +107 +27 +198 = 8862 dollars. Compared with the above case, the company paid the money you are 10,882 yuan, but the cash you hand a 8530-6129 = 2338 yuan more than the actual revenue base 8862-7737 = 1125 yuan. While you enjoy the basic pension, health insurance benefits in these countries co-ordinate gold is the same!
not say that this is a very just and reasonable system, social security ought at least guarantee Do not know who this is sorrowful.
In fact, the current social security funds are now closed are supported. Personal account is vacant account to escape.
agreeable, human who go mention that advocate is now retired person can see by China in the future 30 years, China can say now is the best demographic dividend phase, the latter ashore benefit of babies not more than 70/80 now, you can go Now look at the number of basic educate classes.
and 30 years later, China will account for 30% of the retired, the total is an unprecedented 300 million.
this time who will attention? Do not expect young people to support the future, no young man.
consider inflation. 30 years after 1000, not 1000 or the purchasing power of now. Surely we all know. 30 years after 1000, I am a conservative estimate, if China is also in accordance with this pace, it is probable equivalent to the current 200.
run off the side is empty, an has to cope with inflation. So China's social security is not maintained. This D is clear, so from the start, do not connect the civil service pension, D and D staff will not undergo.
need to alteration the future of social security costing, 20% of the mean remuneration is he could not bear, have to change.
now without old-age insurance is absolutely advisable. (See attached file: social security pension calculation. Doc)
social security pension calculation of basic pension = basic pension + pension + transitional individual account pension.
1,
Christian Louboutin UK, regarded as a transitional pension payout account = I / 120, only in January 1994 before the state to work and has a continuous length of service, or military jobs, enterprises or creations to staff only with this section.
deemed payment account = 1993 where average monthly wages * * 12 * 8% before the end of 1993 as if the contribution years (1993 years antecedent. continuous length of service) * (1 +10%) 12.5
2 individual list individual account stipend = cache volume / total number of months.
count the number of months: (about
: the average life expectancy of the community - retirement age) * 12 months, the present retirement age of 60 for 139 months, the retirement age of 55 to 170 months.
3, the basic pension = ((the province in the post last year's average monthly wages + personal pay monthly average wage indexation) / 2) * payment period (including the deemed payment period) * 1%.
index of average monthly salary to pay = the province last year's average monthly wages in the post * I am an average payment index.
average fee index = (index * remedied as if payment fare + actual number of months and pay index) / (as if the actual payment payment months + months).
believed payment concordance = 1993 situation (city) average monthly wages / 1993,
Christian Louboutin Shoes UK, average monthly wages in the province.
wage index = the actual monthly payment monthly payment I wage / province last year's average monthly wages in the post. ...