The pension insurance comprehensive reform plan may implement personal accounts with actual contents this year.

"I am 51 years old and I have a disease in the meniscus. My colleagues around me know that there is a big gap in the pension in the Northeast. I really don't know if I can get my pension on time after I retire? Can I feel at ease?" Sun Yanfei, working in a Shenyang company I told reporters with anxiety. The issue of old-age care concerns every family, about the national economy and the people's livelihood. With these questions, the "Legal Daily" reporter recently interviewed Professor Zheng Gongcheng, member of the Standing Committee of the National People's Congress and president of the China Society for Social Security.

Establish a central adjustment system
"The comprehensive reform plan for 'endowment insurance' has been drafted and is being examined and approved according to procedures. It is expected to be implemented this year." Zheng Gongcheng told reporters.
Zheng Gongcheng said: "The core issues including the establishment of a central pension system for pensions, personal accounts or short choices, and delayed retirement age will be reflected in the plan."
As of the end of 2016, China's population aged 60 and over reached 230 million people, and the acceleration of aging has accelerated the pressure on pensions. This situation is worrying in the fact that more and more provinces have failed to meet the pension fund.
Zheng Gongcheng said that the Social Insurance Law and the "Twelfth Five-Year Plan" proposed the goal of achieving national co-ordination in 2015. However, due to the pattern of regional division that lasts for too long, some regions do not meet the burden, and some regions receive more than the branch. In this case, it is inevitable that the pooling of funds will touch the interests of the region and involve the game of regional interests. Very big. However, the central government has drafted a plan to prepare for the establishment of a central adjustment fund system. It is not a one-step implementation of the national overall pension fund, but gradually narrows the gap between regions and then transitions to a national pool in the true sense.
Zheng Gongcheng explained that the adjustment fund is to collect a part of the endowment insurance fund from all provinces, municipalities and autonomous regions according to a certain ratio, and then pay to the provinces, municipalities and autonomous regions according to a certain ratio of actual demand. After the implementation of this system, the local burden will become more and more fair, and the momentum of the regional fund gap will be reversed. Although the adjustment fund is not a national co-ordination in the legal sense, it is the most crucial step towards national co-ordination.

Arrange multi-level pension insurance
Zheng Gongcheng told reporters that a multi-level pension insurance system should be established, with basic pension insurance, enterprise annuity, and individuals can purchase commercial pension insurance.
The first level is government-led, and the government is responsible for the basic pension. The second level is the enterprise or occupational annuity. It is the responsibility of both the employer and the employee. The government subsidizes through tax incentives. At the third level, if the personal income level is relatively high, you can also buy commercial pension insurance. With three levels of protection, retirement has little impact on personal life. Of course, the level of retirement and pension is raised from the first level to the first level, and the government's responsibility is mainly reflected in the first level.
Zheng Gongcheng believes that now everyone's expectations for the first level are too high, and it is unrealistic to have all the expenses for raising the old ones. This is unrealistic. It takes a lot of institutional arrangements to solve them. . In many aspects, it is handled by a variety of institutional arrangements. Therefore, the basic pension should be promoted moderately. For the second and third levels of pension, the government should use strong policies to guide, such as whether the enterprise annuity has tax benefits. Wait. If a multi-level pension system can be established and the division of responsibilities is optimized, then such institutional arrangements are sustainable.

Provide accurate services based on the community
Regarding the development status of China's old-age service industry, Zheng Gongcheng believes that the biggest problem is the lack of aggregate supply and the irrational structure. During the “Eleventh Five-Year Plan” period, there were more than 3 million beds in the national nursing homes. At the end of the “Twelfth Five-Year Plan” period, the number increased to more than 6 million beds, and the number doubled, but nearly 50% was vacant. This indicates that there are structural problems. The serious shortage of total supply and the increasing number of vacant beds indicate that there are problems in the policy orientation of our pension service industry, and the impact on the direction of private investment is not accurate enough.
In order to change the current situation of insufficient total amount and unreasonable structure, it is necessary to provide "precise old-age services" and invest in them in a targeted manner. Zheng Gongcheng believes that from the perspective of the development of China's old-age service industry, it should also be based on the community and help the elderly to live at home. Pension. At the same time, government public resources should be tilted towards the community, bringing social resources, including charitable resources and market resources, to the community.
"When you are old, you can't walk, who will take care of you?" "A disabled old man may crush a family." His mother was once a disabled old man, and the National People's Congress representative Yi Lianjun founded The Jianxin District Integrity Disabled Elderly Care Home in Qiqihar City has now hosted more than 100 disabled elderly people. It is the only disabled nursing home in Heilongjiang Province. Yi Zhengjun strongly agrees with Zheng Gongcheng's views. What she most hopes to receive is legal and policy support. She believes that the old-age service land and house should be reserved in the planning of old house renovation and new district construction.
Zheng Gongcheng said that this year can be said to be the most crucial year for China's pension insurance reform, and the comprehensive reform plan will be put into action. The goal is very clear. "But the improvement and improvement of the pension system also requires the development of the old-age service industry. Otherwise, the elderly will get more money, but the service will not keep up, and their quality of life will not be guaranteed. Therefore, it is now necessary to make plans and Top design.” Zheng Gongcheng finally stressed.

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