Laozhang remembers, last month, protect APP tiring-room in Yi Xin, still many netizens refer the matter that retires about defer, this month begins heat to discuss annuities to cancel double track to make, namely the annuities that our country is carrying out in each district and course plan.
Reckon the 90 young associate after hear these names, can state one face is muddled force, it is really such, the affirmation that experiences ahead of schedule is 70 hind with the 80 friends after. Laozhang does not know how to many friend knows this policy, or whether has the city that oneself are in been implement proposal of this one party.
Come, first popular science.
Annuities " and course " : Show to mechanism institution the staff member implements the system of primary endowment insurance with company worker.
Its purpose is made in a favourable turn, and rather than falls pay, reform may need financial to support energetically, adjust officeholder and level of institution worker pay appropriately, make up for the pay that be expended because of individual capture and raises, maintain the basic living standard that reforms around worker. Double track is made, , enterprise annuities and career annuities adopt different emeritus pension system (present career annuities compares enterprise annuities tower above 3 times the left and right sides, the voice of people is very consequently loud, ask consistently and course, you understand the reason) .
Accordingly old Zhang Jixu understands annuities and the preexistence this life of course plan.
In March 2012, this one system is in the whole nation " two meetings " on the attention that causes delegate committee members and heat are discussed, undertake reform to system of current provide for the aged, cancel annuities " double track is made " cry is rising.
In December 2013, person company department decides annuities double track is made and course plan.
Print and distribute of the State Council " the decision that reforms about system of endowment insurance of mechanism institution staff member " , the decision rises to undertake reform to system of endowment insurance of mechanism institution staff member from October 1, 2014, mechanism institution implements the system of primary endowment insurance that the society integrates with individual account photograph as a whole, by unit and individual collective capture is expended. The annuities that this mark existed nearly 20 years " double track is made " terminative, personnel of institution of nearly 40 million mechanism will be mixed company worker is same pay annuities.
After reform, the basic annuities of mechanism institution personnel will be united in wedlock by fundamental annuities and individual account annuities. According to the decision, respect of primary endowment insurance, the unit presses the 20% pay cost of total wages; The individual expends the 8% capture of salary by him capture, worker of place of prep above of salary of him pay cost is average the part of 3 times does not bring into salary capture expends base, under average wage of 60% with 60% expend for base pay, namely " 300% tops, 60% hold a bottom in the palm " . Build professional pension system at the same time, individual, unit parts to expend base by capture of primary endowment insurance 4% , 8% pay cost, all plan enter account of professional annuity individual.
This is meant, the capture of provide for the aged of personnel of institution of the mechanism after course and company worker is expended and extend to agree basically. The much channel of the responsibility of reveal all the details that the endowment insurance of the member that system mies wife is change unit and individual pay cost, finance to assume endowment insurance fund raises fund, form the new mechanism that unit, individual, government carries in all.
December 2014, standing conference and standing committee of the Political Bureau central discuss the State Council of classics of program of reform of system of mechanism institution endowment insurance through.
Spokesman of news of person company department once expressed, adjust the base pay level of mechanism institution staff member this, with endowment insurance system reform synchronism undertakes, addition base pay is the reform cost that capture of individual of reform of endowment insurance system expends for the most part.
According to the analysis, by the whole nation average level is calculated, lunar average per capita is added actually endowment 300 yuan or so. Shanghai begins from July 2015, already according to and course plan adjusts wage, buckle annuity of annuities, profession at the same time.
Finish the adjustment of base pay standard in the round as mechanism institution, annuities " and course " also materiality of make one's bow starts level. To the end of July 2015, the annuities that a few areas such as Shandong, Shanghai announced place in succession and course executive opinion and method, made clear individual capture to expend wage base.
Begin from November, reissue from 2014 year will arrive in October the salary June 2015, fill annuity of the annuities that buckles this paragraph of period, profession. Both balance, 9 months about average per capita fills 2700 yuan.
Current, each province publishs executive idea in succession, to capture pay of around of the limits of cost and pay, reform, reform joins, the policy such as annuity of continue of move of concern of fund management, endowment insurance, profession undertook making clear.
And after course, how is increasing wage to return a responsibility?
What changes to hand salary?
The annuities that every monthly wages has 8% + the professional annuity of 4% wants subtract.
To this share that hand salary drops less, by go up on this part fill of salary, so every month should be met in one's hand taller than original salary a few control to hundreds of yuan.
How much can pension take?
The annuities after retiring gets formula: Annuities of foundation of = of every lunar total that get + individual account annuities.
Fundamental annuities worker of on guard of the year on =(Shanghai is mean monthly salary + him index is changed mean monthly capture expends salary) 2 × capture expends ÷ × of fixed number of year 1% .
Account of individual of = of individual account annuities stores plan hair month counts annuities of account of frontal ÷ individual.
Hypothesis takes 5000 yuan of salary 25 years old, 60 years old retire, and come 35 years every monthly wages is 5000 yuan circumstance, suppose worker of on guard of the year on that moment is mean monthly salary is 5451 yuan.
According to formula, after retiring: The old-age pension that gets every months is 3037.5 yuan, the compensatory old-age pension that gets every months is 1812.95 yuan! So, the old-age pension that can get every months finally is 3037.5+1812.95=4850.5 yuan! The annuity that after retiring, can take is 4850.5 yuan, did not compare on-the-job when 5000 yuan little how many.
Good, arrived again the time that Laozhang of this first phase says to manpower should end, the theme of this first phase is annuities and course, the hope is right broad netizen, especially 70 hind, the 80 friends after are helpful, like Laozhang's friend, do not forget attention bit, doubt can find Laozhang at any time, next first phase good-bye.
