Chapter 88 The birth of the system of three insurances and one housing fund

Well? As soon as these words came out, everyone's attention suddenly focused on the person who spoke.

There are those who admire, those who are worried, and those who watch the excitement.

But these words do go up to everyone's hearts.

Fan Wuxi paid attention to the person who spoke, and saw that he was only in his twenties and less than thirty years old, and his expression was a little annoyed, obviously he didn't expect that what he said would actually attract everyone's attention.

"Hehe-" Fan Wuxi laughed, reached out and took a sip of Jianlibao on the table, and then said, "Then again, the Jianlibao in our factory is really delicious, I have to pull a few boxes and put them in the house another day." ”

When the factory director heard his subordinates talk about the salary issue, he chuckled in his heart, so he secretly looked at Fan Wuxi's face, lest this management representative would have any disgust, but he found that the other party's face was as usual, and he looked very interested, so he was relieved.

"The wage level of our factory is relatively high, other factories are only 100 yuan a month, we have 200 yuan, such a high salary, what else is there to complain about?" The factory director reprimanded twice.

The man felt that he had already said this problem anyway, and it didn't matter if he said a few more words, so the surname Suo opened the conversation, "Yes, it seems that the wages in our factory are relatively high, but there is also one point, the way out in the future is still unclear!" Although the wages of 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. After a long time, the motivation of the employees will naturally not be raised, and if the efficiency can go up, there will be ghosts! ”

As soon as everyone heard this, they immediately talked about it, in fact, this is also a problem, not the employees of state-owned enterprises, this pension problem can never be solved, it is always a thorn in everyone's hearts, and it can't be removed.

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

In the process of 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, but they will always be resentful of not being able to live on pensions like ordinary people.

But take a step back and think, if I don't run this factory, will you be able to find a regular job? Not to mention, in the next few years, the workers of state-owned enterprises will have to face even more severe tests, and the diversion, layoffs, and every term with Chinese characteristics means that some people are destined to suffer losses.

Fan Wuxi rubbed the corners of his forehead, looked up at everyone, and found that everyone was looking at him nervously, so he had to smile bitterly and said, "Why are you all looking at me like this?" This is a big problem, although the headquarters has intentions, but it is powerless to change, social problems, always need to rely on the whole society to solve. ”

Seeing that everyone was very disappointed, Fan Wuxian also felt very uncomfortable in his heart, so he announced loudly as soon as his brain was hot, "But since everyone is gathered together for the cause of Jianlibao, how can I say that the headquarters must also make some commitments, otherwise everyone will not have the spirit!" ”

As soon as everyone heard that Fan Wuxian said that he was going to make some promises, they all immediately fell into their hearts, and they hoped that Fan Wuxi, the representative of the headquarters, could make some substantive expressions, so they watched him express his position.

Fan Wuxian thought for a long time before he said such a sentence, "As long as our company does not fail, employees do not need to worry about pension." In short, all employees who meet the standards set by our company and reach the retirement age stipulated by the state can receive pensions according to the retirement wage standards of state-owned enterprise employees. This part of the money, we will come out! ”

Seeing that everyone was stunned by his words, Fan Wuxian added with a smile, "So, I hope everyone loves the factory and dedicates themselves to this job opportunity." It was not easy for us to make such a decision. Three months, as a test of the existing staff, if not able to do their job, or still have the idea of confusion, then can not enjoy this opportunity, the company has full employment rights. ”

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

Even many of the managers present have begun to secretly consider whether it is time to take care of their relatives if the factory recruits more people. However, the headquarters has always been very strict in managing the appointment and dismissal of personnel and the recruitment of employees, and the factory has no right to decide on its own, which is a pity!

In terms of promoting work efficiency, Fan Wuxian pointed out that it is necessary to implement the practice of piecework wages in work, and for jobs that can be measured according to the number of production, the level of wages can be determined through this reference, which Fan Wuxian calls performance wages.

For management and some job positions that cannot be quantified by specific indicators, Fan Wuxian decided to use the method of combining annual salary and dividends, on the one hand, to distinguish himself from ordinary employees, and on the other hand, to promote their work enthusiasm and improve the production efficiency of the factory.

Sure enough, as soon as the commitment made by Fan Wuxian on behalf of the headquarters was made public, the production efficiency of the factory was immediately improved, lest something go wrong in the past three months and be dismissed by the factory, then he would be blind.

However, after Fan Wuxian made this promise, he also thought about it for a long time.

In the era of planned economy, China's pension system adopted a pay-as-you-go model. It is to use the money collected from the pension fund to pay the current retirees. Later, it was not until 1997 that the government began to carry out the reform of the pension system, and one of the important contents was the implementation of the dual-track system, which continued to implement pay-as-you-go while establishing individual retirement accounts.

Since the beginning of the reform of the pension system, although it is clear that the pension is jointly borne by the state, enterprises and individuals, it is mainly composed of financial subsidies, enterprise annuities and individual payment funds. However, due to the delay in the start and implementation of the comprehensive supporting reform, the financial division of the same period has objectively intensified the interest game between the local and the central government and between local levels, as well as the one-sided pursuit of political performance as the orientation of the concept of development, resulting in the overall funding, the most important of the three major capital sectors of the fund has been short of two pounds for a long time, and after accumulation, coupled with the crooked upper beam and the lower beam, directly and indirectly caused the enterprise to underpay, rely on the payment, and the prevalence of non-payment, resulting in an astronomical pension gap 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, whether it is financially or in the financial system, personal account does not exist.

Since the personal account is only a virtual account, in the financial management of the pension fund, the implementation of the mixed account management method, that is, to allow the overall fund, personal account funds to transfer and use each other. This adjustment is a one-way street, with money in individual retirement accounts being diverted to fill the hole in the pay-as-you-go system.

The huge gap in pensions was originally due to the fact that the above did not practice it, and the pensions that have been included in the security system must be paid every month, which in turn forced the local governments to scrape the flesh and mend the sores and embezzle personal account funds to eliminate the problem of pension arrears. Over time, personal accounts have since become empty accounts, increasing in scale of more than 100 billion yuan per year, and there has been a serious payment crisis in the pension insurance system, and hundreds of millions of people have paid pension insurance premiums, but they may not receive pensions after retirement.

However, the situation faced by Fan Wuzhi is even more severe than this, because what he has to do is to bear the pension of all employees in full, although most of the employees are now under the age of 30, do not need to consider this problem, but after a few years, this will become a very grim reality, most of today's workers have reached the age of retirement, and the pension paid out every year will be a very alarming number.

"Alas! It's not easy to be a capitalist, especially to be a capitalist with a conscience and a good conscience, social responsibility! Fan Wuxian had a headache.

It seems that we have to plan well, and we have to spend more effort to make money over the years, otherwise when twenty or thirty years later, thousands of workers are waiting for their pensions, and it will be miserable!

However, Fan Wuxian remembered that the country began to implement the pension insurance system in ninety-three years, that is, ten years later, he could still reduce a lot of burdens.

Then he calculated the age of the employees in the factory, and found that except for a few managers who were slightly older, to about forty, the rest of the people were still under the age of thirty.

I first depicted a bright future for the employees, and then it was very perfect to achieve it, and then praised by many people, ah! What a life!

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

The wages of the workers in the Jianlibao factory quickly fell back to about 150 yuan a month, but they did not raise any objections, on the one hand, because this level was still higher than the average wage level of local workers, and on the other hand, because they enjoyed the same or better than the workers of state-owned enterprises, and enjoyed the pension insurance, medical insurance, unemployment insurance, and housing provident fund systems provided by the enterprises.

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

(To be continued)