China's premier deceit - old-age warranty system

] China's first fraud - old-age insurance system

now the Central People's Radio is to consult the matter:

1) an adept and even a This is a premeditated fraud,
2) because the need to continuously pay pension for 15 years to be efficient, 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 universal economy, everyone's job changes are prevalent, most people can not pay the same location for 15 years continuously, then the repose are absorbed by the local government.

This phenomenon has been going above for a decade, 2 decades, so the radio's special guest, said chart that this object, I have talked almost boring ...... so I consider this is a regional administration knowingly concerted. I worked in Shenzhen, then went to Beijing. Shenzhen's social security now I can only pay part of the extract I was, I can not extract when the company paid. I paid the company to Shenzhen on all IESS own pocket. Then, antagonism the plan that I can extract some of their pay, but gave me a lot of pardons. First I have worked in Shenzhen for 5 years; after said, have to apply in person to Shenzhen; then added to this to that, in short, is particularly complicated. Finally had not mentioned.

policy that you can extract some of their own, in fact, you can not simply extract a penny. My students,GHD Blue Styler Straighteners, working nine years in Nanjing to Beijing, Nanjing, then 9 years to pay the full pearly. Is that you can extract their own, the result set a cloud of excuses, not to extract the last penny. Very deceptive, and must say. More dark medical insurance,GHD Dark Styler Straighteners, for any cause, at the peak of 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 founder has been watchful on the issue of pensions and doubts which a crisis. Over time, the fact that not only the crisis, and, comparative to the payment of more than 20 years of age, who can be said to be a beauteous and smart hoax.

China's social security remittances, namely not only completely from the laborers, not to mention the folk who live fewer than a 65-year-old tin only do a Lei Feng; yet too apt aid Social Security Bureau and namely the price of class commanders, or why public servants are afraid to open a diversity of expenses and the sources it? IESS militia because high-rise how come?

location is variant clever method of retirement income that workers will be inflation, retirement standard of alive is lower than originally planned, along to the present retirement enterprises fixed costs to reckon the standard 1080 yuan, after decades of inflation as devaluation may must eat pork Renton.

stage of the arranged 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 absences is to

Moreover, why such a firm employ in the community, the Government also recently amplified to regular employees deliberately retirement age of 65? And there are three hidden secrets:

First, an unspoken thing, besides a few public servants, the vast bulk of corporation employees less than 50 years of age longer post, looking amenable to reaching the age of 65 had agreeable wind to get that point retiree bonuses, more than a decade long await, do not know how many aged people incapable to go but down in the half-way. Even whether part of the lucky ones coming 65 years, China's average life expectancy is 72 years age, to pay insurance costs for decades, the average pension only receive 7 years. The remaining asset are entirely owned by the public servants who misspent in charge of the treasury and any assignment of.

Second, due to social reform, not compliant to pay old-age insurance, do not want to persist to be tricked by the private sector, individual affairs and freelancers are more and more public servants They set up funds of insurance deceit 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 premiums , and had deliberately delayed 5 years and then released, so the consensus of emergency announced the retirement age of workers is 65 years old (masculine, case in point). Public servants also wish that this defer in payment of five years die of starvation, ailment, dead part of the retirees, to bribe more social security funds.

public servant who is such premeditated set of insurance fraud - you eat pork, drink your blood, you kept for decades, to the handle is dead .

welcome to reprint this story, so most people know the fact, public servants who are no longer fooled.

social insurance pay more the more loss?
previous social security is not very understanding, forever thought it was to pay the better, because you pay much more, the company would pay a lot more applicable. But the last two days look carefully studied the social security policy,GHD NZ, was truly 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 three times 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.
1st old-age assurance, this value is the largest, 8% of individuals,GHD Carry Case & Heat Mat Straighteners, that is 536 yuan, the unit 22%, 1475 yuan. Note, however, the element ambition not disburse a cent into your personal account! All fknow next to nothing ofcial co-ordination. So how to you get older pension recipients, um, I retarded a morsel, really could not detect a explicit and official documentation. More popularly, the aggregate pension payable for 15 years and approached the statutory retirement age, you can receive a monthly pension, the pension measure = pedestal + individual account pension = pension before retirement a year the city's mean monthly wages × 20 % + private accounts ÷ 120. This is equivalent, in adding to private accounts is not the same, but we receive the basic pension is the same. The more you disburse now is clearly the more losses, for in fact your own personal account to pay the money, you do not pay social security to its bank deposit is the same. But the corporation you pay for that chapter is completely done for the country endowed, the more contributions to pay more. No surprise numerous companies regard the minimum wage was very cheap and increasing bonuses and perquisite, so that it can be saved for part of the insurance benefits issued to individuals. Meanwhile, you enjoy the old-age insurance benefits will not be anyone inconsistency.
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 exhausted by the personal oneself. It means not a penny to the report, but only to the appointed hospitals with designated narcotics! For the hospital, there Qifubiaozhun, it seems to be more than two thousand, this standard the emulating accounts by individuals paid less than the pay for their own personal account in cash, which is two thousand or all of you out. Health insurance than Qifubiaozhun and beneath the highest of 85% by the pool fund. This is all the same uniform criterion, and it does not matter how many you pay. Like with the pension insurance company to pay that part of the therapeutic 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%,GHD Precious Gift Set, 7% of units, a total of 938, the personal touches you entire work, but the last thinking, are in fact yet own money, countries do not have darted any benefits.
so act, other than wages in 8000, but also for you to pay 1475 +804 +134 +469 = 2882 yuan, equivalent to actual monthly pay of 10,882 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, medical insurance and provident fund companies and individuals pay the total amount of your actual income for 6129 a month +536 +134 +938 = 7737 yuan.
we assume another case, or the company, it's in you ration every 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 send you the remaining money to mail you the fashion of bonuses and subsidies. In this direction, 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).
company can give you the benefits of 10882-1341-577 = 8694 yuan, so that your Social Security benefits after deduction of wages with a total of: 8694 +1099 = 9793 yuan, 9793 yuan after subtracting earnings tax which 1263 yuan ( As far as I know many companies that can also be impose benefits and subsidies, leaving aside this count, once and for all, is every citizen's obligation to pay taxes) left 8530 yuan, which is the hand you money. Including insurance and provident fund individual accounts, real proceeds for the month
8530 +107 +27 +198 = 8862 dollars. Compared with the on 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 mention that this is a very just and reasonable system, social security should at least guarantee Do not know who this is melancholy.
In fact, the current social security funds are now closed are supported. Personal account is empty account to sprint.
good, people who work say that support is now elderly person can look at China in the future 30 years, China can say now is the best demographic dividend period, the latter on benefit of children not more than 70/80 now, you can go Now look at the number of basic school classes.
and 30 years later, China will account for 30% of the elderly, the total is an unprecedented 300 million.
this time who will care? Do not expect juvenile 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,GHD, I am a conservative estimate, if China is also in consensus with this pace, it is possible equivalent to the current 200.
run off the side is empty, 1 has to cope with inflation. So China's social security is not preserved. This D is clear, so from the begin, do not join the civil service pension, D and D staff will not undergo.
need to alteration the future of social security costing, 20% of the average wage is he could not bear, must change.
now without old-age insurance is absolutely sensible. (See spliced file: social security pension enumeration. Doc)

social security pension calculation of basic pension = basic pension + pension + transitional individual account pension.
1, regarded as a transitional pension payment account = I / 120, before January 1994 only to work and has a continuous length of service of the state, or naval 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 ago. continuous length of service) * (1 +10%) 12.5
2 individual account individual account pension = arsenal volume / total number of months.
count the number of months: (about: the average life expectancy of the community - retirement age) * 12 months, the current 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 * treated as if payment fee + actual number of months and pay index) / (as if the actual payment payment months + months).
deemed payment index = 1993 location (city) average monthly wages / 1993, average monthly wages in the province.
wage concordance = the actual monthly payment monthly payment I wage / province last year's average monthly wages in the post. ...