In view of the lack of pension insurance for platform employees, professionals suggest increasing tax incentives and developing commercial supplementary pension insurance products


Weave a dense pension insurance network for practitioners of new business formats

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　　Due to difficulties in identifying labor relations with platform companies, unstable workplaces, unstable incomes, etc., employees of new business types have insufficient motivation to participate in pension insurance and often interrupt payment.

Professionals suggest that the government can encourage insurance companies to develop supplementary endowment insurance products through tax incentives and subsidies. At the same time, platform companies have the responsibility to provide protection for the pension rights of employees in new business types.

　　In recent years, with the vigorous development of the sharing economy, more and more workers have chosen to work on platforms, or run online car-hailing services, deliver food delivery, or engage in online anchors and online housekeeping services.

　　The latest data shows that in 2020, the number of service providers in my country's sharing economy will be approximately 84 million.

A reporter from the Workers’ Daily found that because most of the employees in the new business are mainly young and middle-aged, they have not established labor relations with platform companies, and their income levels are limited. Most of the employees in the new business have not participated in endowment insurance, and the future demand for elderly care is not effective. Guaranteed.

　　In this regard, relevant experts suggest that, in light of the actual conditions of practitioners in new business types, reform the basic pension insurance rates and payment methods, encourage the development of corresponding commercial pension insurance products, clarify the responsibilities of platform companies, and ensure that practitioners in new business types will have a better life in the future. according to.

Work is unstable and pension insurance payment is often interrupted

　　Huang Yang, 36 years old this year, is engaged in freight work on an Internet freight service platform in Beijing.

For 4 years, he participated in the basic pension insurance in his personal capacity.

Huang Yang told reporters, "The colleagues around me mostly pay their own social insurance, and most of my colleagues from other places don't participate in the pension insurance."

　　According to the current policy, when it is difficult to identify a labor relationship with platform companies, employees of new business types like Huangyang can participate in pension insurance as flexible employees.

In this case, they can only rely on personal payment, so the personal payment burden of practitioners in the new business is relatively heavy.

　　According to Xue Huiyuan, an associate professor at the Social Security Research Center of Wuhan University, the actual pension insurance participation rate of employees in the new business form is relatively low, and the willingness to participate in insurance is not strong.

"Most of them are young and middle-aged people with unstable incomes and low willingness to participate in insurance. Relative to long-term pension planning, they prefer current consumption."

　　The reporter noted that in addition to the low endowment insurance participation rate, many new industry practitioners will also interrupt their pension insurance payment.

"Many people work in unfixed locations. Once they change cities, some people simply don't pay." Huang Yang said.

　　"Faced with relatively complicated transfer and continuation procedures, new business types of employees often choose not to transfer and renew their pension insurance rights." Xue Huiyuan explained that at present, my country's pension insurance has not yet achieved national overall planning. In the actual transfer and continuation process, There are big differences in policies and management methods in various regions, and there is a lack of unified management procedures.

　　The "Report on China's Sharing Economy Development (2020)" issued by the National Information Center once pointed out that flexible employment personnel and platforms are mostly labor cooperation relationships, which are different from the traditional legal labor relationship in nature, and it is difficult to meet the insurance conditions of the current social security system.

Individuals are insufficiently motivated to purchase commercial pension insurance

　　The State Council executive meeting held on December 9th last year clearly stated that appropriate supplementary endowment insurance products should be developed to meet the needs of new industries and new business types of employees and various flexible employment personnel.

　　In fact, as early as May 2018, my country launched a pilot supplementary pension insurance system in Shanghai, Fujian Province (including Xiamen City) and Suzhou Industrial Park, that is, personal tax-deferred commercial pension insurance (referred to as “tax-deferred pension insurance”). "), it is clear that the insured shall pay the premium before tax and pay the tax when receiving the insurance money.

In essence, this is a tax preference given by the state to individuals purchasing endowment insurance products.

　　"Theoretically, tax-deferred pension insurance can reduce the payment burden of employees in new business types and increase their willingness to participate in insurance, thereby providing protection for their pensions." Xue Huiyuan pointed out, but the current pilot tax incentives are relatively low. The deduction amount is determined by the individual based on the lower of 6% of the current month’s wages and salaries, continuous labor remuneration and 1,000 yuan, and the scope of the trial is limited.

　　“In addition, the lack of insurance awareness of practitioners in new business formats and insufficient payment capabilities make tax-deferred pension insurance less attractive to practitioners in new business formats." Xue Huiyuan said bluntly, "Some practitioners in new business formats are unwilling to even basic pension insurance. How can anyone willing to buy commercial pension insurance if they participate or are unable to participate?"

　　"Speaking of old-age care, we still trust the country the most, and basic old-age insurance is linked to life needs. For example, some cities have set a threshold for buying a house, requiring a certain number of years of social insurance. Therefore, when planning old-age insurance, we will definitely give priority to purchasing basic old-age insurance. Pension insurance." Huang Yang said.

　　Duan Qing, 38, is a Weidian shopkeeper with a monthly income of about 7,000 yuan.

She has long planned for the future pension: "The biggest expense of pension is to see a doctor. Instead of buying commercial pension insurance, it is better to buy commercial medical insurance."

　　Similar to Duan Qing's idea, Du Yi, a photographer who mainly uses online appointments and orders, also believes that pension insurance is not the only way to reserve pensions.

“There is no shortage of well-known independent photographers with high incomes in the industry. Many of them invest in real estate to prepare for the elderly.” Du Yi said.

　　In this regard, Wang Xiangnan, deputy director of the Insurance and Economic Development Research Center of the Chinese Academy of Social Sciences, believes that the income levels of practitioners in the new business are very different. Some people lack understanding of commercial pension insurance, and some people with relatively high incomes prefer personalized financial management. Ways to deal with old-age care.

　　"At present, the scale of commercial pension insurance is not large, which makes the premium rate higher. In addition, commercial pension insurance is a long-term orientation and is not good at showing dividends and return value, which affects people's willingness to buy." Wang Xiangnan added.

It is the duty of platform companies to protect pension rights

　　“The most important thing for pension insurance is the people who do not have the first pillar basic pension insurance or frequently interrupted, and do not have the second pillar enterprise annuity.” Wang Xiangnan suggested that insurance companies should be encouraged to develop supplementary pension insurance for the pension needs of employees in new business types. product.

　　"To meet the pension needs of practitioners in new business formats, we need to adhere to a'multi-subject, multi-faceted' mentality." Xue Huiyuan believes that basic pension insurance should be reformed in terms of participation rates and payment methods to increase the payment of practitioners in new business formats. The flexibility of the fee rate allows practitioners in the new business to choose their own payment cycle. They can pay monthly, quarterly or yearly to attract more people to participate in the basic pension insurance.

　　In addition to basic pension insurance, Xue Huiyuan suggested improving commercial insurance.

Out of cost and benefit considerations, commercial insurance companies often lack the motivation to develop insurance types specifically for practitioners in new business types.

In this regard, Xue Huiyuan believes that the government can reduce the cost of insurance companies and increase the enthusiasm of insurance companies through tax incentives and subsidies.

　　"In terms of operation methods, government-enterprise cooperation can be considered. The government is the main body of responsibility, and insurance companies are mainly responsible for providing insurance-related operations and services, thereby encouraging new business practitioners to purchase." Xue Huiyuan added.

　　Regarding tax-deferred pension insurance, senior insurance broker Wang Yixiao believes that in addition to increasing tax incentives and expanding the scope of the trial, it is more important to emphasize publicity and strengthen the knowledge of commercial pension insurance that encourages long-term payment and insists on long-term value. universal.

　　“For platform companies that attract a large number of practitioners in new business formats, although their rights and responsibilities in terms of social security for practitioners in new business formats are not yet clear, they have the responsibility to provide protection for the labor rights and interests of practitioners in new business formats.” Xue Huiyuan believes that it should be continuously strengthened The responsibility of platform companies requires them to take the initiative to participate in social insurance and purchase relevant commercial insurance for employees of new business types.

　　Reporter: Dou Feitao and Wang Yu