Emperor Liu Hong

460 Pensions and insurance companies [Part [-]]

As for the person to take over as the commander of the Military Aircraft Department, Liu Hong had two suitable candidates in mind, namely Huangfusong and Zhu Jun.For the latest free chapters of this book, please visit www.Both of these two were famous generals in the late Han Dynasty, and they were highly rated in history. Their current positions in the army are not low, and their abilities are sufficient.Among them, Huangfusong is still Huangfugui's nephew. His succession can make people feel that he is nostalgic, which is more conducive to buying people's hearts.As for Zhu Jun, he has taught martial arts for so many years, almost all the generals can be called his disciples, especially Liu Hong knows that he has a good relationship with those peerless famous generals in history, and he is definitely qualified for the position of commander.

After confirming the two candidates, Liu Hong began to ponder again. He has been on the throne for such a long time, and he has a large number of courtiers, who are about to reach the age of retirement.Although there are a large number of people, they can be received by the cabinet and given to him as a think tank.But more people can only go home empty-handed.

"Isn't it good to just send them away?" Thinking of this, Liu Hong realized that he had not formulated a policy for officials to retire from office.

Of course, the policy of official appointment is not completely unregulated, and there are still some old records to follow.For example, when these officials take office, according to the previous regulations, they can also get pensions.It also stipulates that, under normal circumstances, one-third of the original salary is taken, and when he becomes an official, the imperial court also has certain rewards.

However, after Liu Hong's reform, the rules on the retirement of officials are not so clear.For example, the salary for becoming an official is easy to talk about, but the rewards are paid by him or by the court.After all, his property has long been separated from the treasury.

As for rewards or something, this is just a small problem.Liu Hong knows very well that the pension issue is a big proposition, and it must not be taken lightly.Like the hereafter.If he didn't tidy it up, he should be more cautious.Especially now, the salary of officials is very complicated, and to a large extent, it is linked to the effectiveness of officials' governance, which is simply one-third.Definitely not a good workaround.Therefore, he must straighten out this matter, otherwise, it will be a big hidden danger, and the legacy will be poor.

"Hey, I have been reforming and reforming all day long. I have forgotten such an important thing!"

Thinking of this, Liu Hong was annoyed for a while, because he knew it.There is not much time left for him to solve it.He knew very well that the people of the country were swarming in everything they did, and this official must be the same.Especially people in this era need to save face. They see that people like Huangfu Gui and Zhang Huan have retired from their posts. Others who have reached the point, they must have no face to continue to stay in their original posts.therefore.It won't be long before this scene of getting together to become officials will appear.This caught him completely unprepared.

Of course, strictly speaking, he cannot be blamed for this matter.After all, after he came to the throne, the big man was a rare prosperous age. Those ministers, like Hu Guang, would rather die in their posts than return home.so.This time Huangfugui and Zhang Huan became officials, which was the first case after Liu Hong ascended the throne.That's why Liu Hong ignored this aspect before.But it's his fault, and he can't escape no matter what.Even if he ignored it before, he still has to solve it now. [

"The issue of official pensions must not be entirely dependent on the state treasury."

Official pensions, that's a pretty big burden.Not to mention anything else, Liu Hong remembers that in the period of planned economy in later generations, the state managed those enterprises, and everything was taken care of. In the end, many enterprises were dragged to death by retirees.If he dares to play this trick now, his final fate may not be any better than those companies.Therefore, he must think of a safe way to completely solve this problem.

"Do you want to learn the basic old-age care methods of later generations?"

Thinking of this, Liu Hong shook his head again.Although Liu Hong is not very clear about this pension method, he also knows that this method is not formulated for officials at all, and there are still serious drawbacks.No, not only is it big, it should be quite terrible.Otherwise, those officials would not have been arguing all day to extend the retirement age.

Although Liu Hong didn't know the real situation, according to the gossip that spread everywhere, it was said that there was a gap in the pension, and if the retirement age was not extended, the pension would not be able to make ends meet.After only a few years of implementation of the system, there have been such big hidden dangers. So many brick-and-mortars have tried so hard to straighten things out. Liu Hong doesn't think he has the ability to straighten things out.Therefore, this pension method, not only to solve the pensions of officials, but also to solve the pensions of the common people, Liu Hong has to carefully consider whether it is appropriate or not.

Of course, Liu Hong does not deny that there are many merits in that pension method, at least, he can learn from it.For example, forcing employers to provide employees with pension security, in Liu Hong's view, this is quite desirable.

Of course, there are reasonable ones and unreasonable ones.Liu Hong remembers that in the later generations, the old-age pension method, the employer pays 20.00%, and the individual pays 15%, pays at least 15 years. After the retirement age, you can enjoy the basic pension.However, if you have not paid enough for [-] years, or if you do not pay the premium yourself, don’t say you enjoy the pension, even the part paid by the unit, you have nowhere to go, and you have contributed to “others” in vain.Liu Hong felt that this was quite unreasonable.

Liu Hong feels that since the money is guaranteed for retirement, there should not be so many conditions.At the very least, each account must be independent, and individual payment and unit payment cannot be mixed together.In this way, it should be possible to ensure that the money paid by the unit will be sent to the individual no matter what the circumstances are.

In Liu Hong's view, since people work for that unit, it should be a matter of course that the unit should bear the pension for them.For example, those officials have worked for the court all their lives, and when they grow old, the court should pay them pensions.But if you give too much, it will drag down the court for life. In that case, it is better to have no pension.After all, few of those officials really care about the pension.

"However, since the benefits are there, it is difficult to get rid of them. Even serving the people and public servants, they are reluctant to abolish the dual-track system, let alone this feudal court. Besides, I have worked so hard to build this grand event. How embarrassing it is to spread the news, but want to waive the pension of officials, isn't this discrediting the prosperity of the world?!"

After thinking about it for a long time, the official's pension cannot be cancelled.Not only can it not cancel the pension policy of officials, but the people's pension policy, he should take this opportunity to formulate it.

You must know that the vast majority of officials can live well without pensions, but if those ordinary people do not have pensions, they will be miserable in their old age.Although Liu Hong has already raised those old people who depend on widows and sons, if there is no pension for those who have sons and daughters, even if they are big men who rule the country with filial piety, they may not necessarily be able to live well.Therefore, Liu Hongjue felt that since the pension problem was to be solved, it should be completely solved.

Liu Hong pondered over and over again for a long time, and he felt that this pension issue can completely learn from that system.That is, the employer, according to 20.00% of the employee's salary, is forced to store it in the pension account, and when the retirement age is reached, it will be allocated to the employee in a lump sum for them to use for retirement.As for individual payment, this is not compulsory, it is entirely up to the individual to voluntarily.

Of course, Liu Hong also knows that the amount of this pension is not very large.If it is really used for the elderly, it may not be able to be used for several years. This is completely a basic guarantee.Besides, like farmers or something, they don't have a unit at all, but they pay this part of the money.Therefore, Liu Hong feels that some supplements should be added to this pension.Just like the commercial insurance of later generations, individuals can completely buy insurance from commercial insurance to make their lives better.

"If you do this, you have to set up an insurance company." [

Insurance companies, this is a hugely lucrative industry, and it's not a problem at all to establish it.But thinking of this, Liu Hong regretted for a while.If he had considered this a long time ago, he would have established an insurance company before the Western Expedition, and followed the introduction of the Western Expedition to insure those soldiers, which would not only allow him to make a lot of money.And it can quickly open up the popularity, so that all the people know about this insurance company.

But it was already like this, and it was too late for him to regret it.Therefore, he could only think of a way to slowly promote the insurance company.

For the insurance company, Liu Hong temporarily put it aside, he is still thinking about the pension issue.In Liu Hong's view, the unit and the insurance company alone are not enough to solve all the pension problems.You know, most people who don't have a unit will not buy those commercial insurances. In this way, it is almost as if he has not formulated this policy at all. Therefore, he must find a way to ensure that the whole people benefit.

"If you want to benefit the whole people, then you can only send money from the court."

In Liu Hong's view, it is not impossible for the court to issue basic guarantees to all the elderly.After all, when the country develops, it is obliged to let those who make contributions enjoy the dividends.

But once this thing is determined, it will be difficult to get it.In the current prosperous situation, it may not be difficult to maintain it.But in the future, the population will increase and the empire will weaken. In this case, it is easy to drag down the empire.So, he had to find a way to solve this problem.

"If it doesn't work, I will set up a fund to solve the problem of universal pension. In this way, the money from the fund's profits will be distributed to the elderly on a monthly basis. In this way, although it is impossible to ensure that all these elderly people live in distress, it is still possible to maintain them. The minimum living guarantee should be enough.”

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