Multi-pillar support high-quality pension
The report of the 20th National Congress of the Communist Party of China proposed that the social security system is the safety net of people's life and the stabilizer of social operation. It is necessary to improve the national overall planning system for basic old-age insurance and develop a multi-pillar old-age insurance system. To this end, it is necessary to make up for the shortcomings as soon as possible, consolidate the foundation for the sustainable development of pension insurance, and provide a more solid and reliable system guarantee for the realization of the general public's "old age and security.
Since the 18th National Congress of the Communist Party of China, great achievements have been made in the construction of China's old-age insurance system. In terms of basic old-age insurance, in the past 10 years, the number of people participating in basic old-age insurance in China has increased from 0.788 billion to 1.03 billion, forming an old-age insurance system covering the largest number of people in the world. At the same time, pension benefits have also been significantly improved. In terms of system construction, a unified basic pension insurance for urban and rural residents has been formed, the provincial-level overall planning of pension insurance has been fully realized, and a central adjustment system for basic pension insurance funds has been established. The old-age insurance system, supplemented by enterprise annuity, with old-age insurance, commercial old-age insurance and individual old-age insurance as the third pillar, has been initially established.
From the perspective of future development trends, my country's aging degree is still deepening. At the end of the "14th Five-Year Plan" period, my country will fully enter a moderately aging society, and cities that have entered a deeply aging society are also expanding. The pressure on the pension system is not small. At present, compared with the basic old-age insurance system, whether it is the enterprise annuity and occupational annuity system as the second pillar, or the commercial old-age insurance system and the personal savings old-age insurance system as the third pillar, the development is much slower, and has become an obvious short board in the whole old-age insurance system. In the second pillar, China's enterprise annuity system, although established earlier, but the progress is relatively slow. In terms of commercial pension insurance, although commercial pension insurance has developed rapidly in recent years, the overall participation rate is not high. And soon after the introduction of personal savings pension insurance, the public's recognition and popularity need to be improved.
To further improve China's old-age insurance system, we must take more measures, while constantly consolidating the basic old-age insurance protection function, vigorously develop the enterprise annuity system and commercial old-age insurance system and personal savings old-age insurance system.
On the one hand, it is important to encourage more qualified enterprises to set up enterprise annuity system and actively innovate enterprise annuity plans suitable for small and medium-sized enterprises, which is an important way to improve the participation rate of enterprise annuity and expand the coverage of enterprise annuity. On the other hand, we should speed up the development of commercial old-age insurance and encourage commercial insurance institutions to provide personalized and differentiated old-age insurance for individuals and families. We will continue to improve supporting measures and vigorously promote the development of personal pensions supported by government policies, voluntary participation by individuals and market-oriented operation. Increase financial support and mobilize the initiative and enthusiasm of individuals to participate in commercial old-age insurance and personal savings old-age insurance. In this way, my country's multi-pillar pension insurance system can be established as soon as possible, and the foundation for the sustainable and stable development of pension insurance will be more solid.
