Commentary: When the pension system into a rail system

Stand in the whole society's point of view,

Why are there we are now "old age unfair" problem? The key is under the current system, organs or institutions of workers in full by the state pension fund, the enterprises of the old-age insurance is the use of social pooling and individual accounts combination, by enterprises, trade unions share the burden.

Typically, in pursuit of the interests of enterprises to maximize often as possible to suppress the base pay of workers. In this way, reducing the burden on enterprises, employees of the natural level of social security is very low. The organs, institutions, trade unions, the state allocated for their pensions, not only the real income of employees as the base, but also with their wages and seniority increases.

In this way, organs, institutions, trade unions and enterprises differential treatment of workers when they retire, how can it not?

Over the years, our financial resources are tilted to the cities, rural and urban formation of two different systems. Also in the cities led to "eat the Financial rice" and "enterprise of rice to eat" two systems, the difference was further enhanced.

This is reflected in the old-age security, that is formed Financial rice to eat city people eat rice urban enterprises, and no units in the liberal professions, rural people's "4-track" policy, the policy is the most direct consequence of the market risk After only three kinds of people to these three people and "Financial rice to eat," the gap is followed by the crowd gap.

At present, on the one hand, pay-to-business regulation remains to be further strengthened, employees pension was more to the market, their personal account balances often is not high on the low; on the other hand, is a base pay of government organizations and institutions control need to be further strengthened, otherwise will lead to the state finance generous retirement pay for employees, their personal account balances generally high. How to solve this problem, the key lies not in any so-called "one to whom to side with"-style man-made leveled off and the macro level is how to break the multi-track system of pension system.

Specifically, that is, according to local enterprises and individuals into the security of the average base pay, as the organs, institutions, payment base. As a result, its staff personal accounts will not much higher in future there will be no pension on too large a gap. To do so, the operation is not difficult to sense also impeccable. (RMRB Contributing Commentator方南)