Reborn 80s

Chapter 263
Pension fund companies shoulder the heavy responsibility of providing for the elderly, so it is impossible to say that there are any problems.

"Leaders, I want to, here, report to you on the future development and positioning of pension fund companies."

When Chen Huaiqing said this, his eyes were on Yang Weiguo and Zhou Yuping.

Yang Weiguo and Zhou Yuping exchanged glances and said with a smile, "Okay, we also want to hear what you think about pension fund companies."

The pension system was once established.

But it was quickly canceled again.

Pension issues are directly borne by enterprises and units themselves.

This has also created a considerable burden on state-owned enterprises. The longer the history and the larger the enterprise, the heavier the burden.

Because there are so many retirees!

There may be 4 employees, and there must be [-] to [-] people who receive money from the factory.

The extra people are the retired workers in the factory.

When the company's profitability is good, it will naturally be able to sustain it, but it can barely maintain it.

But once the business efficiency is not good...

Then it's over.

There is no way for enterprises to transform or save themselves.

The burden is too heavy, it is directly on the body, and it is difficult to even turn.

In addition, management issues, workers' production enthusiasm issues, production efficiency issues, and production cost issues.

At this time, the production cost of state-owned enterprises is quite high.

Everyone knows that the quality of products of state-owned enterprises is absolutely good now.However, the waste of production is also quite high.

If the waste is serious, it will naturally be reflected in the cost.

During the planning period, there is no big problem. Anyway, it is an investment regardless of cost, and what is needed is to produce products.

However, in the era of market economy, enterprises that cannot control production costs have no way to survive in the market.

Therefore, in the future, it is normal for some companies to go bankrupt, and the rebirth of Nirvana is purely accidental!

Enterprise reform is already an imperative thing, and there is nothing to say.

In the past, relying on spiritual motivation, everyone was able to guarantee a little bit of labor efficiency.

But it can't last long just by beating chicken blood.

People get tired!
What is reflected is that the labor enthusiasm of the workers is not high, and the labor productivity is low.

Spiritual incentives and material rewards must come together!

Yuzhou has carried out comprehensive enterprise reforms, and the appearance of all reformed enterprises is really different all of a sudden.

The rapid economic development of Yuzhou is the perfect embodiment.

Therefore, the province is also eager to promote the experience.

Properly solving the pension problem of employees is a top priority.

"There are three most important social benefits, medical security, pensions and education. As long as there are these three most important benefits, then it can be called a welfare state."

"I won't talk much about medical security and education. I will focus on pension funds."

"The pension fund company I expect is to obtain a higher rate of return through investment to support the normal operation of the entire pension system."

"In terms of investment, I mainly choose projects that are low-risk and can obtain long-term stable returns. For example, the construction of a hydropower station I mentioned earlier. The initial investment of a hydropower station is indeed large, but as long as it is completed, in addition to the usual maintenance costs Other than that, everything else is profitable. It is very suitable for pension fund companies to recover the construction cost in a few years or even more than ten years, and then to be able to obtain income in the next few decades."

Hearing what Chen Huaiqing said, everyone couldn't help but nodded.

If so, it makes sense.

The most important point is that the province also wants to develop the rich hydropower resources in Sichuan, but this is not enough money!
"In addition to such long-term projects, pension fund companies also invest in some short-term profitable projects. For example, buying shares in some companies with strong development prospects. Promote the rapid development of such companies and increase the company's market valuation , and then let it be listed on the securities market. Pension fund companies can obtain high returns from it, usually several times or even ten times."

Chen Huaiqing: "Of course, some companies have developed very well, and they may have a return of hundreds of times. This has to test the investment vision."

"Why do pension fund companies engage in these investments, even if they are low-risk investments, they are also risky."

Why make money?

Everyone looked at Chen Huaiqing. What did he mean by this?

"This is mainly judged in a general direction. Since the industrialization of human beings, currency depreciation has been normal. One hundred dollars ten years ago and one hundred dollars now are definitely not the same concept. Ten years ago, 100 dollars and The current 100 yuan is also different in value.”

"Now everyone pays more than ten or twenty yuan of pension into the pension account every month. When everyone retires, that is, three to forty years later, is the money still worth it at that time? Pension fund companies have to ask for it every month. Pay hundreds, thousands, or even thousands of dollars in pensions."

"If you just put the money in the bank, then there is only one result. The money in the pension fund account has depreciated. In the end, there will be a situation where it is not enough to pay the pension."

"So, pension fund companies have to take out the money accumulated in the account for investment to achieve value preservation and appreciation."

Chen Huaiqing: "Through a series of investment behaviors of pension fund companies, everyone can also enjoy the dividends of social and economic development."

Yang Weiguo took a sip from his teacup, and someone in the province suggested that the province should directly manage and operate the pension fund company.

Now it seems that no one dares to mention this in the future.

Who dares to guarantee that the preservation and appreciation of pensions can be done well?
If something goes wrong, it's a big problem.

Who will be responsible?

Who can take this responsibility?

Now the pension fund company is only responsible for the Yuzhou area, and other places in Sichuan have not been included in the scope.

Some companies have been included, but more companies have a large number of retirees. How to solve this problem?
Moreover, if this part of the group is not resolved, there will be no way to carry out the subsequent joint-stock reform.

Zhou Yuping: "Next, the province is going to implement enterprise reforms in Sichuan. Enterprise reforms and employee pension issues must be resolved first."

Enterprise reform is inevitable, and how to reform it is undoubtedly a key point.

And Yuzhou undoubtedly provides a good model.

First of all, the pension and medical problems of the employees are solved. As for the children's education, the school is not closed, but it is managed by the Education Bureau. It is no longer allocated by the enterprise, but supported by the finances.

After these are done well, the company will spend a large amount of money.

And this fund is made up by employee stock ownership.

After being restructured into a joint-stock enterprise, the business vitality of the enterprise has increased significantly, and the enthusiasm for production has greatly increased!
When a company makes money, it makes money by itself, so it's no wonder that the enthusiasm is not high.

(End of this chapter)