舌尖上的社保（Social security on the tip of the tongue）.docVIP

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舌尖上的社保（Social security on the tip of the tongue）.doc

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舌尖上的社保（Social security on the tip of the tongue）

舌尖上的社保（Social security on the tip of the tongue） Social security on the tip of the tongue - Basics @ paraphrase 1., the rate of pension substitution refers to the ratio between the level of retirement pension and the level of income before retirement. It is one of the basic indicators to measure the level of life security before and after the retirement of workers. Chinas pension design substitution rate of 58%, and is currently less than 40%. For example: before someone retires, salary is 5000 yuan / month, after retirement only from social security income 2000 yuan / month pension, pension replacement rate =2000 yuan /5000 yuan =40% 2. pay as you go system is an example of pension insurance. It means an insurance financial model that pays the retirement pension of a retired generation at the same time as the working generation pays. It is based on the actual needs of the annual pension, from the wages of the corresponding proportion of the pension, the current levy, the current use, do not provide reserve for future use. In contrast, the fund accumulation system. In the pay as you go system, the social security fund is deducted from the salary. The employer pays about 20% of the salary and 8% of the individuals salary. This is a very high premium. China pays two times as much money as the United States, but still feels underfunded. Whats the reason? Because the so-called 28% rate, the actual collection of only its 1/3. List of social insurance payment rates in Beijing in *2012 (Figure) The provisions in the basic old-age insurance payment Payment base = average monthly wage for the previous year Minimum limit: Beijing last years average monthly wage of workers *40% Maximum limit: Beijing last years average monthly wage of workers *300% 2011 worker average monthly salary is 4672 yuan, the base of endowment insurance expends 2012 minimum limit is 1869 yuan, highest limit 14016 yuan. In the basic pension receiving conditions and treatment @ enjoy the basic old-age in