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What are the problems in the current situation of social pension in China? Let's see what the expert

Now, with the accelerating process of population aging and the continuous growth of aging population, China is experiencing the largest and fastest aging process in the world history. What are the problems in the current situation of social pension in China? What do experts say? Let's understand the current situation of the elderly in China.

at present, the basic pension situation of the elderly in China is as follows:

1、 Home care, whether in urban or rural areas, takes family as the center and relies on children's relatives to provide for the aged;

2、 Social pension: social welfare institutions are responsible for providing for the aged in both urban and rural areas (refers to homes for the aged and welfare homes set up by civil affairs departments at all levels, which are funded by the state); pension institutions and nurseries run by community neighborhood committees and neighborhood offices (belonging to the nature of self-supporting);

3、 Private pension, some private enterprises to invest in the establishment of nursing homes, etc., individuals with pension willingness to choose. Generally, such nursing homes charge more.

Suggestions on the current situation of national pension system are as follows

1、 It is suggested that the national finance can put more funds into the construction of pension facilities. For example, we should build more public nursing homes, expand the service staff of nursing homes, and improve the level of elderly care services.

2、 More private capital and foreign capital are allowed to invest in the construction of pension facilities. But they should be given tax cuts or support. And in the examination and approval of all kinds of links to ensure its smooth, convenient and fast procedures.

3、 More and more commercial insurance companies (including domestic insurance companies and foreign insurance companies) are encouraged to carry out endowment insurance business. Besides basic social security, individual citizens are encouraged to apply for commercial endowment insurance when their economic capacity permits, and the insurance premium paid shall be deducted before personal income tax.

4、 It is suggested that a unified old-age insurance system should be implemented for the whole country. It can be based on the basic pension, according to different occupation, different working years, different proportion of pension.