Chapter 88: The Birth of the Three Insurances and One Fund System

Um? As soon as the words came out, everyone's attention was immediately focused on the person who spoke.

Some admire, some worry, and some watch the fun.

But these words really touched everyone's heart.

Fan Wubing paid attention to the person who spoke, and saw that he was only in his twenties and less than thirties, his expression was a bit annoyed, obviously he didn't think that a word he said would actually attract everyone's attention.

"Hehe——" Fan Wubing laughed, reached out and took a sip of Jianlibao placed on the table, and then said, "Then again, the Jianlibao from our factory is really delicious, I have to pack a few boxes some other day Let it go at home."

When the factory manager heard his subordinates talking about the salary issue, his heart skipped a beat, so he secretly looked at Fan Wubing's face, lest the representative of the management would feel disgusted, but found that the other party's face was as usual, and there was a He looked very interested, so he was relieved.

"The salary level in our factory is relatively high. Other factories only cost one hundred and ten yuan a month, but we have two hundred yuan. With such a high salary, what can we complain about?" the factory manager scolded. Two sentences.

The man felt that he had already brought up the issue anyway, and it didn't matter if he said a few more words, so he simply said, "Yes, it seems that the wages in our factory are relatively high, but there is also a point. The way out in the future I still don’t know! Although the wages of the employees of 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 can’t do that! As time goes by, the employees will naturally lose their energy. Get up. It would be a ghost if the efficiency can go up!"

As soon as everyone heard this, they immediately talked about it. In fact, this is also a problem. If you are not an employee of a state-owned enterprise, this pension problem will never be solved. It is always a sharp thorn in everyone's heart, which cannot be removed.

But this is basically a social responsibility, right? ! Now there is no such thing as three insurances and one gold, and I am also powerless! Fan Wubing shook his head helplessly.

During the transformation of the economic system, there will always be some people who will suffer. Even if many of these people have found their new world through the market model, they will always feel that they cannot receive pensions to live like ordinary people. broodingly.

But take a step back and think about it. If I don't run this factory. Will you be able to find a formal job? Not to mention, in the next few years, employees of state-owned enterprises will face even more severe tests. Diversion, layoffs, and every term with Chinese characteristics mean that some people are destined to suffer.

Fan Wubing rubbed his forehead, looked up at the crowd, and found that everyone was looking at him nervously,

He had to smile wryly and said, "Why do you all look at me like this? This is a big problem. Although the headquarters has intentions, it can't change it. Social problems always need to be solved by the whole society." With a very disappointed expression, Fan Wubing also felt very uncomfortable in his heart. So he announced aloud as soon as his brain got hot. "But since everyone is here for the cause of Jianlibao, no matter how you say it, the headquarters has to make some commitments. Otherwise, everyone will not have the energy to do it.

As soon as everyone heard that Fan Wubing said that he was going to make some promises, they immediately became concerned. They hoped that Fan Wubing, the representative of the headquarters, could make some substantive performances, so they watched him eagerly to make a statement.

After Fan Wubing thought for a long time, he finally said, "As long as our company doesn't fail, the employees don't need to worry about pensions. For specific matters, we will come up with a detailed plan within three months." All in all, all employees who meet the standards stipulated by our company and reach the retirement age stipulated by the state can receive pensions in accordance with the retirement salary standards for employees of state-owned enterprises. We will pay for this part of the money!"

Seeing that everyone was stunned by his words, Fan Wubing added with a smile, "So, I hope everyone will love the factory and work hard, and cherish this job opportunity. You must know that it is very important for us to make such a decision. It's not easy. Three months is a test for the existing employees. If you are not qualified for your job, or you still have the idea of ​​dawdling, then you will not be able to enjoy this opportunity. The company has full rights to employ people.”

At this time, everyone stood up as if waking up from a dream, the applause continued, and the expressions on their faces changed completely, full of vitality. It's no wonder that once the biggest problem can be solved, who doesn't want to make more money? The wage level of Jianlibao factory is very high!

There were even many managers present who had already begun to secretly think about whether they should take care of their relatives if the factory recruited more people. However, the headquarters has always been very strict about the appointment and removal of personnel and the recruitment of employees. The factory has no right to make decisions on its own, which is really a pity!

In terms of promoting work efficiency, Fan Wubing pointed out that the practice of piecework wages should be implemented in the work. For jobs that can be measured according to the production quantity, the level of wages can be determined by this reference. Fan Wubing called this performance salary.

For the management and some jobs that cannot be quantified by 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. Raise up.

Sure enough, as soon as the promise made by Fan Wubing on behalf of the headquarters was made public, the production efficiency in the factory immediately increased, lest something went wrong in the past three months and the factory would fire him, he would be caught blind.

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

In the planned economy era, China's pension system adopted a pay-as-you-go model. It is to use the money collected by the pension fund to pay the current retirees. Later, until 1997, the government began to reform the pension system. One of the important contents was to implement a dual-track system. While continuing to implement pay-as-you-go, the government established individual retirement accounts.

Since the beginning of the reform of the pension system, although it has been clarified that pensions are jointly borne by the state, enterprises, and individuals, the pooled funds are mainly composed of financial subsidies, enterprise annuities, and individual payment funds. However, due to the delay in the initiation and completion of comprehensive supporting reforms, the division of fiscal affairs during the same period has objectively intensified the interest game between the local government and the central government, and between local levels, and is constrained by the one-sided pursuit of political achievements. As a result of overall planning of funds, the most important part of the three major fund sectors has been short of funds for a long time. After a long period of time, coupled with the fact that the upper beam is not right and the lower beam is crooked, it directly and indirectly causes enterprises to underpay, delay in payment, and default in payment. The gold gap hit an astronomical figure of 2.5 trillion yuan.

For the concept of personal account, it is only used as a calculation method, in fact, it is only a nominal account, no matter in finance or in the financial system, personal account does not exist.

Since the personal account is only a virtual account, the financial management of the pension fund is implemented in a mixed management method, that is, the pooling fund and the personal account fund are allowed to be adjusted and used with each other. The swap is a completely one-way street, with money diverted from individual retirement accounts to fill holes in the pay-as-you-go system.

The huge gap in pensions was originally due to the failure of the higher authorities to do their best, and the pensions that had been included in the security system had to be paid out every month, which in turn forced the local government to scrape meat to fill the wounds and misappropriate personal account funds to resolve the problem of pension arrears. Over time, personal accounts have since become empty accounts, increasing by more than 100 billion yuan each year, and the pension insurance system has experienced a serious payment crisis. Hundreds of millions of people have paid pension insurance premiums, but they may not receive pensions after retirement.

However, the situation Fan Wubing is facing is even more severe than this, because what he has to do is to fully pay the pensions of all employees. Although most of the employees are now under the age of 30, there is no need to consider this issue, but After a few years, this will become a very serious reality. Most of the employees today have reached the age of retirement, and the annual pension paid out will be a very alarming figure.

"Hey! It's not easy to be a capitalist, especially if you want to be a capitalist with a conscience and integrity, social responsibility!" Fan Wubing felt a headache.

It seems that I have to plan well, and I have to spend more effort on making money these years, otherwise, after 20 or 30 years, when thousands of employees are waiting for their own pensions, it will be miserable!

However, Fan Wubing remembered that the country started to implement the pension insurance system in 1993, that is to say, after ten years, he could still reduce a lot of burdens.

Then he calculated the ages of the employees in the factory, and found that except for a few managers who were slightly older, when they reached about 40, most of the others were under 30 years old. There is a feeling of hope in the face.

I first described a bright future for the employees, and then realized it perfectly, and was praised by many people, ah! What a wonderful life!

In the end, Fan Wubing shamelessly came up with his own "three insurances and one housing fund" system.

The wages of workers in the Jianlibao factory quickly fell back to about 150 yuan per month, but they did not raise any objections. On the one hand, this level was still higher than the average wage level of local workers; It is because they enjoy the pension insurance, medical insurance, unemployment insurance and housing provident fund system provided by the enterprise as well as or better than them.

After these things were determined in the form of written contracts, all employees in the factory felt a strong corporate culture.