Chapter 88 The birth of the three insurances and one fund system

Hum? As soon as this was said, everyone's attention was immediately focused on the person who was talking.

Some admired, some worried, and some watched the fun.

But this is indeed what everyone says.

Fan Wubing paid attention to the person who was talking, but saw that he was only in his twenties or less than thirty years old, with a look of annoyance. Obviously, he did not expect that the words he said would actually attract everyone's attention.

"Haha--" Fan Wubing laughed, reached out to take Jianlibao on the table and took a sip, and then said, "Anotherwise, Jianlibao in our factory is really delicious. I have to pull a few boxes to put in the house another day."

When the factory manager heard his subordinates talking about salary issues, his heart skipped a beat and secretly went to see Fan Wubing's face, fearing that the representative of the capital would feel disgusted. As a result, he found that the other party's face was normal and he looked very interested, so he felt relieved.

"The salary level of our factory is relatively high. Other factories only cost 100 yuan per month, but we are 200 yuan. With such a high salary, what else can we complain about?" The factory manager scolded.

The man felt that he had already mentioned this problem anyway, so he didn't care about saying a few more words, so he simply said it, "Yes, it seems that the salary of our factory is relatively high, but there is also one thing that I still don't know the future prospects! Although the wages of employees in state-owned enterprises are lower, they can retire and get pensions in the future, and they will have no worries about food and clothing for the rest of their lives. We won't be able to do it! Over time, the employees will naturally not be able to raise their spirits. If the effectiveness can be improved, there will be ghosts!"

When everyone heard this, they immediately started talking. In fact, this is also a problem. If it is not a state-owned enterprise employee, the pension problem cannot be solved. It is always a thorn that is in the hearts of everyone and cannot be removed.

But this is basically a social responsibility?! There is no saying of three insurances and one fund yet, so I am powerless! Fan Wubing shook his head helplessly.

During the transformation of the economic system, some people will always suffer losses. Even if many of these people have found their own new world through the market model, they will always be upset about not being able to earn pensions like ordinary people.

But if I take a step back, can you find a formal job if I don’t run this factory? Not to mention, in the next few years, state-owned enterprise employees will face more severe tests, diversion, laid off, and every noun with Chinese characteristics means that some people are destined to suffer losses.

Fan Wubing rubbed his forehead, looked up at everyone, and found that everyone was looking at him nervously. He could only smile bitterly and said, "Why do you look at me like this? This is a big problem. Although the headquarters is determined, it is powerless to change. Social problems always need to be solved by the entire society."

Seeing that everyone was very disappointed, Fan Wubing felt very uncomfortable, so he announced loudly as soon as his mind was hot, "But since everyone is gathered together for the career of Jianlibao, the headquarters must make some promises, otherwise everyone will not be energetic!"

When everyone heard Fan Wubing say that he was ready to make some promises, they immediately became concerned. They hoped that Fan Wubing, the representative of the headquarters, could make some substantial statements, so they looked at him with eagerness to express their opinions.

Fan Wubing thought for a long time before saying this, "As long as our company does not collapse, employees do not need to worry about pension. For specific matters, we will come up with a detailed plan within three months. In short, any employee who meets the standards stipulated by our company and reaches the retirement age stipulated by the state can receive pensions in accordance with the retirement wage standards of state-owned enterprise employees. We will pay this part of the money!"

Seeing that everyone was shocked by their words, Fan Wubing added with a smile, "So, I hope everyone loves the factory and cherishes this job opportunity. It is not easy for us to make such a decision. Three months is regarded as a test for existing employees. If you are still unable to do your job or still have the idea of ​​being a waste of time, you will not be able to enjoy this opportunity. The company has full right to employ people."

At this time, everyone woke up as if they were in a dream. Applause continued, and the expressions on their faces changed completely, full of vitality. No wonder, once the biggest problem can be solved, who doesn’t want to make more money? The salary level of Jianlibao Factory is very high!

There are even many managers present who have begun to secretly consider whether the factory should take care of their relatives if they recruit people. However, the headquarters has always managed personnel appointments and removals and employee recruitment work very strictly. The factory has no right to decide on its own. This is a pity!

In promoting work efficiency, Fan Wubing pointed out that piece-based wages should be implemented at work. For jobs that can be measured by production quantity, the salary can be determined through this reference. Fan Wubing calls this performance wages.

For management and some job positions that cannot be quantified using specific indicators, Fan Wubing decided to use the method of combining annual salary and dividends. On the one hand, it is different from ordinary employees, and on the other hand, it is to promote their work enthusiasm and improve the production efficiency of the factory.

Sure enough, as soon as Fan Wubing made a promise on behalf of the headquarters was made public, the production efficiency of the factory was immediately raised, for fear that something would happen to the factory be fired within the past three months, so that would be blind.

However, after Fan Wubing made this promise, he thought about it for a long time.

In the era of planned economy, China's pension system adopted the pay-as-you-go model, which was to pay the money collected from the pension fund to current retirees. Later, until 1997, the government began to reform the pension system. One of the important contents was the implementation of a dual-track system, and while continuing to implement payment-as-you-go, an individual retirement account was established.

Since the beginning of the reform of the pension system, it was clear that the pension was shared by the state, enterprises and individuals, and consisted of three parts: financial subsidies, enterprise annuities and individual contribution funds. However, due to the delay in launching and implementing the comprehensive supporting reform, the fiscal division of funds objectively intensified the interest game between the local governments and the central government and the development concept of one-sided pursuit of political achievements, resulting in the coordinated funds. The most important part of these three major capital sectors was short of funds for a long time. Over time, and the upper beam was not straight and the lower beam was crooked, it directly and indirectly caused enterprises to pay less, owed and owed, which led to the pension gap of 25,000 yuan.

The concept of personal accounts is just a method of issuance, but in fact, it is just a nominal account. Whether financially or in the financial system, personal accounts do not exist.

Since the personal account is just a virtual account, the management of pension fund finance is implemented in a mixed-money management method, that is, the unified funds and personal account funds are allowed to be adjusted and used. This adjustment is completely a one-way street, and the money in the individual retirement account is misappropriated to fill the hole in the payment-as-you-can-eat system.

The huge pension gap was originally due to the fact that the above did not practice it, and the pensions included in the security system must be paid monthly, which forced local governments to scrape meat and misappropriate personal account funds to resolve pension arrears. Over time, personal accounts have become empty accounts since then, increasing by more than 100 billion yuan per year. The pension insurance system has experienced a serious payment crisis. Hundreds of millions of people have paid pension insurance premiums, but they may not be able to receive pensions after retirement.

However, the situation facing Fan Wubing is even more severe than this, because what he has to do is to fully bear the pension for all employees. Although most employees are under thirty years old now, so there is no need to consider this issue, in a few years, this will become a very serious reality. Most employees are now at retirement age, and the pension they pay every year will be a very amazing number.

"Oh! It's not easy to be a capitalist, especially to be a conscience and ethics capitalist. It's social responsibility!" Fan Wubing had a headache.

It seems that we have to plan carefully. Over the years, we have to spend more time making money. Otherwise, when thousands of employees are waiting for their pensions to be paid in 20 or 30 years later, it will be a pity!

However, Fan Wubing remembered that the country began to implement the pension insurance system in 1993, which means that in ten years, he could still reduce a lot of burdens.

Then he calculated the age of the employees in the factory and found that except for a few management teams who were slightly older, at around 40, the rest were still under 30 years old. In this way, Fan Wubing felt hopeful in his heart.

I first painted a beautiful future for the employees, and then realized it perfectly, and then received praise from many people. What a wonderful life!

Finally, Fan Wubing shamelessly came up with his own "three insurances and one fund" system.

The wage level of workers in Jianlibao Factory quickly fell to about 150 yuan per month, but they did not raise any objections. On the one hand, this level is still higher than the average wage level of local workers, and on the other hand, they are the same as the employees of state-owned enterprises, or are better than them, and enjoy the pension insurance, medical insurance, unemployment insurance and housing provident fund systems provided by the enterprises.
Chapter completed!