A few days ago, CCTV "news 1 + 1" on the CCTV focus: the social security fund, this shouldn't be entering the market?" , in the society caused the attention, also have journal "social security fund value, whether or not the entry difficulties controversial". In all fairness, the topic is not a sudden new events, but in the new data of the old. CCTV topic with the recently published two report related, the 2011 China pension development report "and" 2011 China's social security reform and development report ", the two reports about China's social security fund "faced a serious challenge" of the facts. CCTV of BaiYanSong show host in his opening remarks quoted in "guo securities regulatory" when first steps "wear social security" palm hand out among the rumors, and anecdotes from this points to the "social security fund market save city" of metaphor. We want to note: in this story, "the other big beauty" is the stock market, and the social security fund is the hero save the United States ". However, now in our discussion, "hero" and "beauty" is the other way round: social security fund to play as the "beauty" role, and the stock market but became a "hero". Maybe someone said, don't tube who is "hero", who is "beauty", help each other,NBA Hats to save each, perhaps was a "win-win" ending. This is not absolute impossible, but the risk is great, that is so far, the social security fund market "ZhaLei thundering sound, and see drizzle" reasons. In a sense, the Chinese stock market is already a play by residual of the stock market, general now is that 70% of the retail investors lose all, this could be with the Chinese stock market two features of related: first, isolation, second, speculative appetite. Now in this circle suddenly to a "can earn not to compensate" funds, that others how to play? If social security funds make money, that means don't know how many "retail" to lose money. More, ironically the stock market retail many is the old man, and fear of hand "JiuMingQian" be CPI eaten, to take part in the shareholder bandwagon. Now is to use their hands "JiuMingQian" to save them over to the country's "JiuMingQian"............. So, people there in a secret--social security funds buy what, retail investors follow what to buy. However, so, they don't lose money, that make the money who? Besides, this year don't make money is losing money, social security fund investment profit is not run but CPI? In fact, in the world is not unique to the social security fund not a Chinese. In the world of the financial storm background, the international capital market is shrinking, developed countries also not. So is delay the retirement age, and reduce the amount of retirement, these "reform measures" and cause people to protest, everywhere make up to my ears in work. See the essence through these phenomena, maybe this and social insurance itself defects in design is related. If only from the point of view of "insurance" to see social insurance and the sustainability in fact have two premise: first, the system must continue to have more people involved in pay cost; Second, the system the accumulated capital must have a good investment value-added channels. But, in the second half of the last century, silver hair wave surge and continuous diffusion, aging make "pay-as-you-go" a difficult problem is brought out. The proportion of old people is more and more big, the proportion of working age population relatively narrow, this is the first premise negative away. In addition, there is a negative development trend are often neglected, after world war ii the developed country, is the exalted "full employment" of the flag, but, in the 80 s, capital flight caused a lot of unemployment, social insurance pay population decrease greatly, this is also the first premise the negative impact. From the 70 s to the beginning of this century, the world economic turbulence more and aggravate, Japan, to Latin America, Europe, Asia has affected, now the wheel came to the United States, and the impact on the world. The international capital market volatility and depression, make endowment insurance fund investment risk increase accumulated. At present, "fund shrink" is becoming a worldwide problem. This makes the above the second premise was not, more increase endowment insurance of the crisis. We now often puts forward to want to do in the system of "top design", in the social security is also put a lot of effort. But unfortunately, we are now hard-pressed to "top" in fact high enough. If a higher level from the point of view of the social distribution to see social insurance or social security, see "landscape" may not be the same. Just think, if a man 20 years old attend social insurance, to 60 years old pension, in this 40 years, social insurance system will not change? The ginseng protect people age 60 get pension, or 40 years ago that "promise"? Of course not. This shows that what? First, social insurance and insurance of the "target" are not the same, the insurance is a certain amount, and social insurance is the "basic life". Second, ginseng protect people get pension, is actually the 40 years of work and pay cost in the process of the system with the economic and social changes the results, and the social distribution pattern of retirement may be much more influence. "Insurance" jump out of the path dependence again to see social insurance, perhaps we will have a broader idea. We don't put yourself around the "close collect more little", "send multiple little" in the small world of play obscured way, don't forget, endowment insurance payments system itself, the gap is defects, so the BaoDe is inevitable, don't make a fuss over it. If want to value, more might as well play monopoly of the state-owned enterprise idea, let the bleeding to compatriots endowment, and to do so at least can also give "inspected" more reason to exist.To go "market" or quasi market way, can consider to "life with the building, but the premise is the real estate market and affordable housing to truly" normal "rise.mlb jerseys From the height of the social distribution see endowment, the country could be a long-term planning, in the next five years, 10 years, 20, 50 years, our GDP and national finance in all aspects about how to divide? With what kind of principle distribution? In the endowment of how much can assigned to share? If the requirement from view, we in and how much must be aged spending? Next, we will consider, with "insurance" way to receive how many money? We can use the gap in what way to fill? The ancients yue "will be to see the mountains bullying extremely small", jie!
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