“养老金终于要缩小差距了!遗产税也要来了”的版本间的差异

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玉树带你看世界 今天
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{{4}}玉树带你看世界 2021-9-16
  
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中央财经委员会第十次会议研究了扎实促进共同富裕的问题! 具体落实细则实在让人期待!
  
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会议强调"正确处理效率和公平的关系",这会对退休人员带来什么样的影响呢?我们的养老金会上涨吗?还将对退休人员产生哪些影响?今天退休圈就掰开了说给您听。
  
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01、历史的选择
  
169. Don\\\\\\\\\\\\\\\\\\\\\\'t let yesterday use up too much of today. 别留念昨天了,把握好今天吧。(Will Rogers) 170. If you are not brave enough, no one will back you up. 你不勇敢,没人替你坚强。171. If you don\\\\\\\\\\\\\\\\\\\\\\'t build your dream, someone will hire you to build theirs. 如果你没有梦想,那么你只能为别人的梦想打工。172. Beauty is all around, if you just open your heart to see. 只要你给自己机会,你会发现你的世界可以很美丽。173. The difference in winning and losing is most often...not quitting. 赢与输的差别通常是--不放弃。(华特·迪士尼) 174. I am ordinary yet unique. 我很平凡,但我独一无二。175. I like people who make me laugh in spite of myself. 我喜欢那些让我笑起来的人,就算是我不想笑的时候。176. Image a new story for your life and start living it. 为你的生命想一个全新剧本,并去倾情出演吧!177. I\\\\\\\\\\\\\\\\\\\\\\'d rather be a happy fool than a sad sage. 做个悲伤的智者,不如做个开心的傻子。178. The future belongs to those who believe in the beauty of their dreams. 未来属于那些相信梦想之美的人。(埃莉诺·罗斯福) 179. Even if you get no applause, you should accept a curtain call gracefully and appreciate your own efforts. 即使没有人为你鼓掌,也要优雅的谢幕,感谢自己的认真付出。180. Don\\\\\\\\\\\\\\\\\\\\\\'t let dream just be your dream. 别让梦想只停留在梦里。181. A day without laughter is a day wasted. 没有笑声的一天是浪费了的一天。(卓别林) 182. Travel and see the world; afterwards, you will be able to put your concerns in perspective. 去旅行吧,见的世面多了,你会发现原来在意的那些结根本算不了什么。183. The key to acquiring proficiency in any task is repetition. 任何事情成功关键都是熟能生巧。《生活大爆炸》 184. You can be happy no matter what. 开心一点吧,管它会怎样。185. A good plan today is better than a perfect plan tomorrow. 今天的好计划胜过明天的完美计划。186. Nothing is impossible, the word itself says \\\\\\\\\\\\\\\\\\\\\\'I\\\\\\\\\\\\\\\\\\\\\\'m possible\\\\\\\\\\\\\\\\\\\\\\'! 一切皆有可能!“不可能”的意思是:“不,可能。”(奥黛丽·赫本) 187. Life isn\\\\\\\\\\\\\\\\\\\\\\'t fair, but no matter your circumstances, you have to give it your all. 生活是不公平的,不管你的境遇如何,你只能全力以赴。188. No matter how hard it is, just keep going because you only fail when you give up. 无论多么艰难,都要继续前进,因为只有你放弃的那一刻,你才输了。    When Paul Jobs was mustered out of the Coast Guard after World War II, he made a wager with his crewmates. They had arrived in San Francisco, where their ship was decommissioned, and Paul bet that he would find himself a wife within two weeks. He was a taut, tattooed engine mechanic, six feet tall, with a passing resemblance to James Dean. But it wasn’t his looks that got him a date with Clara Hagopian, a sweet-humored daughter of Armenian immigrants. It was the fact that he and his friends had a car, unlike the group she had originally planned to go out with that evening. Ten days later, in March 1946, Paul got engaged to Clara and won his wager. It would turn out to be a happy marriage, one that lasted until death parted them more than forty years later. Paul Reinhold Jobs had been raised on a dairy farm in Germantown, Wisconsin. Even though his father was an alcoholic and sometimes abusive, Paul ended up with a gentle and calm disposition under his leathery exterior. After dropping out of high school, he wandered through the Midwest picking up work as a mechanic until, at age nineteen, he joined the Coast Guard, even though he didn’t know how to swim. He was deployed on the USS General M. C. Meigs and spent much of the war ferrying troops to Italy for General Patton. His talent as a machinist and fireman earned him commendations, but he occasionally found himself in minor trouble and never rose above the rank of seaman. Clara was born in New Jersey, where her parents had landed after fleeing the Turks in Armenia, and they moved to the Mission District of San Francisco when she was a child. She had a secret that she rarely mentioned to anyone: She had been married before, but her husband had been killed in the war. So when she met Paul Jobs on that first date, she was primed to start a new life. Clara, however, loved San Francisco, and in 1952 she convinced her husband to move back there. They got an apartment in the Sunset District facing the Pacific, just south of Golden Gate Park, and he took a job working for a finance company as a “repo man,” picking the locks of cars whose owners hadn’t paid their loans and repossessing them. He also bought, repaired, and sold some of the cars, making a decent enough living in the process. There was, however, something missing in their lives. They wanted children, but Clara had suffered an ectopic pregnancy, in which the fertilized egg was implanted in a fallopian tube rather than the uterus, and she had been unable to have any. So 颗普通的行星,但它在许多方面都是独一无二的。比如,它是太阳系中唯一一颗面积大部分被水覆盖的行星,也是目前所知唯一一颗有生命存在的 Arthur Schieble died in August 1955, after the adoption was finalized. Just after Christmas that year, Joanne and Abdulfattah were married in St. Philip the Apostle Catholic Church in Green Bay. He got his PhD in international politics the next year, and then they had another child, a girl named Mona. After she and Jandali divorced in 1962, Joanne embarked on a dreamy and peripatetic life that her daughter, who grew up to become the acclaimed novelist Mona Simpson, would capture in her book Anywhere but Here. Because Steve’s adoption had been closed, it would be twenty years before they would all find each other. Steve Jobs knew from an early age that he was adopted. “My parents were very open with me about that,” he recalled. He had a vivid memory of sitting on the lawn of his house, when he was six or seven years old, telling the girl who lived across the street. “So does that mean your real parents didn’t want you?” the girl asked. “Lightning bolts went off in my head,” according to Jobs. “I remember running into the house, crying. And my parents said, ‘No, you have to understand.’ They were very serious and looked me straight in the eye. They said, ‘We specifically picked you out.’ Both of my parents said that and repeated it slowly for me. And they put an emphasis on every word in that sentence.” Abandoned. Chosen. Special. Those concepts became part of who Jobs was and how he regarded himself. His closest friends think that the knowledge that he was given up at birth left some scars. “I think his desire for complete control of whatever he makes derives directly from his personality and the fact that he was abandoned at birth,” said one longtime colleague, Del Yocam. “He wants to control his environment, and he sees the product as an extension of himself.” Greg Calhoun, who became close to Jobs right after college, saw another effect. “Steve talked to me a lot about being abandoned and the pain that caused,” he said. “It made him independent. He followed the beat of a different drummer, and that came from being in a different world than he was born into.” Later in life, when he was the same age his biological father had been when he abandoned him, Jobs would father and abandon a child of his own. (He eventually took responsibility for her.) Chrisann Brennan, the mother of that child, said that being put up for adoption left Jobs “full of broken glass,” and it helps to explain some of his behavior. “He who is abandoned is an abandoner,” she said. Andy Hertzfeld, who worked with Jobs at Apple in the early 1980s, is among the few who remained close to both Brennan and Jobs. “The key question about Steve is why he can’t tty good,” he said, “because he knew how to build anything. If we needed a cabinet, he would build it. When he built our fence, he gave me a hammer so I could work with him.” Fifty years later the fence still surrounds the back and side yards of the house in Mountain View. As Jobs showed it off to me, he caressed the stockade panels and recalled a lesson that his father implanted deeply in him. It was important, his father said, to craft the backs of cabinets and fences properly, even though they were hidden. “He loved doing things right. He even cared about the look of the parts you couldn’t see.” His father continued to refurbish and resell used cars, and he festooned the garage with pictures of his favorites. He would point out the detailing of the design to his son: the lines, the vents, the chrome, the trim of the seats. After work each day, he would change into his dungarees and retreat to the garage, often with Steve tagging along. “I figured I could get him nailed down with a little mechanical ability, but he really wasn’t interested in getting his hands dirty,” Paul later recalled. “He never really cared too much about m189. It requires hard work to give off an appearance of effortlessness. 你必须十分努力,才能看起来毫不费力。190. Life is like riding a bicycle.To keep your balance,you must keep moving. 人生就像骑单车,只有不断前进,才能保持平衡。(爱因斯坦) 191. Be thankful for what you have.You\\\\\\\\\\\\\\\\\\\\\\'ll end up having more. 拥有一颗感恩的心,最终你会得到更多。192. Beauty is how you feel inside, and it reflects in your eyes. 美是一种内心的感觉,并反映在你的眼睛里。(索菲亚·罗兰) 193. Friendship doubles your joys, and divides your sorrows. 朋友的作用,就是让你快乐加倍,痛苦减半。194. When you long for something sincerely, the whole world will help you. 当你真心渴望某样东西时,整个宇宙都会来帮忙。echanical things.” “I wasn’t that into fixing cars,” Jobs admitted. “But I was eager to hang out with my dad.” Even as he was growing more aware that he had been adopted, he was becoming more attached to his father. One day when he was about eight, he discovered a photograph of his father from his time in the Coast Guard. “He’s in the engine room, and he’s got his shirt off and looks like James Dean. It was one of those Oh wow moments for a kid. Wow, oooh, my parents were actually once very young and really good-looking.” Through cars, his father gave Steve his first exposure to electronics. “My dad did not have a deep understanding of electronics, but he’d encountered it a lot in automobiles and other things he would fix. He showed me the rudiments of electronics, and I got very interested in that.” Even more interesting were the trips to scavenge for parts. “Every weekend, there’d be a junkyard trip. We’d be looking for a generator, a carburetor, all sorts of components.” He remembered watching his father negotiate at the counter. “He was a good bargainer, because he knew better than the guys at the counter what the parts should cost.” This helped fulfill the pledge his parents made when he was adopted. “My college fund came from my dad paying $50 for a Ford Falcon or some other beat-up car that didn’t run, working on it for a few weeks, and selling it for $250—and not telling the IRS.” The Jobses’ house and the others in their neighborhood were built by the real estate developer Joseph Eichler, whose company spawned more than eleven thousand homes in various California subdivisions between 1950 and 1974. Inspired by Frank Lloyd Wright’s vision of simple modern homes for the American “everyman,” Eichler built inexpensive houses that featured floor-to-ceiling glass walls, open floor plans, exposed post-and-beam construction, concrete slab floors, and lots of sliding glass doors. “Eichler did a great thing,” Jobs said on one of our walks around the neighborhood. “His houses were smart and cheap and good. They brought clean design and simple taste to lower-income people. They had awesome little features, like radiant heating in the floors. You put carpet on them, and we had nice toasty floors when we were kids.” Jobs said that his appreciation for Eichler homes instilled in him a passion for making nicely designed products for the mass market. “I love it when you can bring really great design and simple capability to something that doesn’t cost much,” he said as he pointed out the clean elegance of the houses. “It was the original vision for Apple. That’s what we tried to do with the first Mac. That’s what we did with the iPod.” Across the street from the Jobs family lived a man who had become successful as a real estate agent. “He wasn’t that bright,” Jobs recalled, “but he seemed to be making a fortune. So my dad thought, ‘I can do that.’ He worked so hard, I remember. He took these night classes, passed the license test, and got into real estate. Then the bottom fell out of the market.” As a result, the family found itself financially strapped for a year or so while Steve was in elementary school. His mother took a job as a bookkeeper for Varian Associates, a company that made scientific instruments, and they took out a second mortgage. One day his fourth-grade teacher asked him, “What is it you don’t understand about the universe?” Jobs replied, “I don’t understand why all of a sudden my dad is so broke.” He was proud that his father never adopted a servile attitude or slick style that may have made him a better salesman. “You had to suck up to people to sell real estate, and he wasn’t good at that and it wasn’t in his nature. I admired him for that.” Paul Jobs went back to being a mechanic. His father was calm and gentle, traits that his son later praised more than emulated. He was also resolute. Jobs described one exampl What made the neighborhood different from the thousands of other spindly-tree subdivisions across America was that even the ne’er-do-wells tended to be engineers. “When we moved here, thegh-tech and made living here very exciting.” In the wake of the defense industries there arose a booming economy based on technology. Its roots stretched back to 1938, when David Packard and his new wife moved into a house in Palo Alto that had a shed where his friend Bill Hewlett was soon ensconced. The house had a garage—an appendage that would prove both useful and iconic in the valley—in which they tinkered around until they had their first product, an audio oscillator. By the 1950s, Hewlett-Packard was a fast-growing company making technical instruments. Fortunately there was a place nearby for entrepreneurs who had outgrown their garages. In a move that would help transf The most important technology for the region’s growth was, of course, the semiconductor. William Shockley, who had been one of the inventors of the transistor at Bell Labs in New Jersey, moved out to Mountain View and, in 1956, started a company to build transistors using silicon rather than the more expensive germanium that was then commonly used. But Shockley became increasingly erratic and abandoned his silicon transistor project, which led eight of his engineers—most notably Robert Noyce and Gordon Moore—to break away to form Fairchild Semiconductor. That company grew to twelve thousand employees, but it fragmented in 1968, when Noyce lost a power struggle to become CEO. He took Gordon Moore and founded a company that they called Integrated Electronics Corporation, which they soon smartly abbreviated to Intel. Their third employee was Andrew Grove, who later would grow the company by shifting its focus from memory chips to microprocessors. Within a few years there would be more than fifty companies in the area making semiconductors. The exponential growth of this industry was correlated with the phenomenon famously discovered by Moore, who in 1965 drew a graph of the speed of integrated circuits, based on the number of transistors that could be placed on a chip, and showed that it doubled about every two years, a trajectory that could be expected to continue. This was reaffirmed in 1971, when Intel was able to etch a complete central processing unit onto one chip, the Intel 4004, tronic amplifier. “So I raced home, and I told my dad that he was wrong.” “No, it needs an amplifier,” his father assured him. When Steve protested otherwise, his father said he was crazy. “It can’t work without an amplifier. There’s some trick.” “I kept saying no to my dad, telling him he had to see it, and finally he actually walked down with me and saw it. And he said, ‘Well I’ll be a bat out of hell.’” Jobs recalled the incident vividly because it was his first realization that his father did not know everything. Then a more disconcerting discovery began to dawn on him: He was smarter than his parents. He had always admired his father’s competence and savvy. “He was not an educated man, but I had always thought he was pretty damn smart. He didn’t read much, but he could do a lot. Almost everything mechanical, he could figure it out.” Yet the carbon microphone incident, Jobs said, began a jarring process of realizing that he was in fact more clever and quick than his parents. “It was a very big moment that’s burned into my mind. When I realized that I was smarter than my parents, I felt tremendous shame for having thought that. I will never forget that moment.” This discovery, he later told friends, along with the fact that he was adopted, made him feel apart—detached and separate—from both his family and the world. Another layer of awareness occurred soon after. Not only did he discover that he was brighter than his parents, but he discovered that they knew this. Paul and Clara Jobs were loving parents, and they were willing to adapt their lives to suit a son who was very smart—and also willful. They would go to great lengths to accommodate him. And soon Steve discovered this fact as well. “Both my parents got me. They felt a lot of responsibility once they sensed that I was special. They found ways to keep feeding me stuff and putting me in better schools. They were willing to defer to my needs.” So he grew up not only with a sense of having once been abandoned, but also with a sense that he was special. In his own mind, that was more important in the formation of his personality. School Even before Jobs started elementary school, his mother had taught him how to read. This, however, led to some problems once he got to school. “I was kind of bored for the first few years
 
 
图片
 
 
重要消息
 
 
上周,一则振奋人心的消息传来。 中央财经委员会第十次会议研究了扎实促进共同富裕的问题! 具体落实细则实在让人期待!
 
 
会议强调"正确处理效率和公平的关系",这会对退休人员带来什么样的影响呢?我们的养老金会上涨吗?还将对退休人员产生哪些影响?今天退休圈就掰开了说给您听。
 
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历史的选择
 
 
小|平在80年代曾提出,让一部分人、一部分地区先富起来,带动和帮助其他地区和人民,逐步达到共富。
 
小|平在80年代曾提出,让一部分人、一部分地区先富起来,带动和帮助其他地区和人民,逐步达到共富。
  
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第二,中国目前还存在一定的贫富差距,要重点解决城乡之间、地区之间和群体之间的差异。这从最近一系列疾风骤雨般的杀伐决断就能看出来,互联网、房地产、线上教育、娱乐造富等行业连续遭到暴击,整肃资本打击垄断重拳迭出。这些都是咱们老百姓叫好的政策。
 
第二,中国目前还存在一定的贫富差距,要重点解决城乡之间、地区之间和群体之间的差异。这从最近一系列疾风骤雨般的杀伐决断就能看出来,互联网、房地产、线上教育、娱乐造富等行业连续遭到暴击,整肃资本打击垄断重拳迭出。这些都是咱们老百姓叫好的政策。
  
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02、什么是共同富裕?
  
 
02
 
什么是共同富裕?
 
 
中央财经委第八次会议是这么定义的:
 
中央财经委第八次会议是这么定义的:
  
 
共同富裕是全体人民的富裕,是人民群众物质生活和精神生活都富裕,不是少数人的富裕,也不是整齐划一的平均主义,要分阶段促进共同富裕。
 
共同富裕是全体人民的富裕,是人民群众物质生活和精神生活都富裕,不是少数人的富裕,也不是整齐划一的平均主义,要分阶段促进共同富裕。
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所以先不要急着高兴,我们慢慢分析。
 
所以先不要急着高兴,我们慢慢分析。
  
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“公平”用一个词来总结,就是“赏罚分明”,用一句话来总结就是“努力与收获成为相对的正比”。
 
“公平”用一个词来总结,就是“赏罚分明”,用一句话来总结就是“努力与收获成为相对的正比”。
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三次分配:缩小养老金差距?
 
  
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03、三次分配:缩小养老金差距?
  
 
初次分配
 
初次分配
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最简单的,根据劳动所得的收入,上班领工资,经商赚差价。
 
最简单的,根据劳动所得的收入,上班领工资,经商赚差价。
  
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再次分配
  
再次分配
 
 
政府通过调节机制,对国民收入进行二次分配。低收入者不交税或少交税,高收入者多交税。上缴的税用于民生、基建、教育、医疗等领域以不断改善人们的生活质量。
 
政府通过调节机制,对国民收入进行二次分配。低收入者不交税或少交税,高收入者多交税。上缴的税用于民生、基建、教育、医疗等领域以不断改善人们的生活质量。
  
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三次分配
  
三次分配
 
 
道德驱动,鼓励富裕人群用相对较少的捐赠,来代替较高的税收。鼓励高收入人群和企业更多回报社会,用两个字概括就是“慈善”。
 
道德驱动,鼓励富裕人群用相对较少的捐赠,来代替较高的税收。鼓励高收入人群和企业更多回报社会,用两个字概括就是“慈善”。
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很明显,这些举措中退休人群都会是直接受益人群。这不但有力提高了大家的医疗、社会福利等,还将在一定程度上保证退休人群退休金的继续上涨。
 
很明显,这些举措中退休人群都会是直接受益人群。这不但有力提高了大家的医疗、社会福利等,还将在一定程度上保证退休人群退休金的继续上涨。
 
  
 
需要注意的是,财经委这次明确提出了要加大社保和税收的调节力度、以促进公平,那么社保是包括了“养老保险和养老金”的,税收是包括了“个税”的,所以在未来的十年内,个人所得税的起征点和税率,以及养老金上涨的方案,都或将可能呈现出向较低收入的人员倾斜的特点,现在这个总体的方向和框架已经基本确定了。
 
需要注意的是,财经委这次明确提出了要加大社保和税收的调节力度、以促进公平,那么社保是包括了“养老保险和养老金”的,税收是包括了“个税”的,所以在未来的十年内,个人所得税的起征点和税率,以及养老金上涨的方案,都或将可能呈现出向较低收入的人员倾斜的特点,现在这个总体的方向和框架已经基本确定了。
 
  
 
就是今年,养老金调整方式正逐渐向低收入人群倾斜,有专家预计,在未来十年间,职工退休金和居民养老金上涨的办法和规则,都或将会迎来一定程度的变化和调整,同时各省市里养老金偏低的人群,也有望在未来的养老金核定发放和上涨的时候,进一步得到一定的倾斜照顾或优待,因为低收入的退休人群也是迈向共同富裕时、会被提升的对象之一。
 
就是今年,养老金调整方式正逐渐向低收入人群倾斜,有专家预计,在未来十年间,职工退休金和居民养老金上涨的办法和规则,都或将会迎来一定程度的变化和调整,同时各省市里养老金偏低的人群,也有望在未来的养老金核定发放和上涨的时候,进一步得到一定的倾斜照顾或优待,因为低收入的退休人群也是迈向共同富裕时、会被提升的对象之一。
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所谓“系数调整法”就是以各地平均养老金为界限,通过科学的计算方法,确定养老金调整系数,养老金越低的调整系数越高、养老金越高调整系数越低,使得在平均水平以下退休人员增加的钱数要超过平均水平以上退休人员。
 
所谓“系数调整法”就是以各地平均养老金为界限,通过科学的计算方法,确定养老金调整系数,养老金越低的调整系数越高、养老金越高调整系数越低,使得在平均水平以下退休人员增加的钱数要超过平均水平以上退休人员。
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具体来说,就是用本省的平均养老金除以本人养老金计算出每个人的调整系数,再用国家下达的本省养老金调整总额除以本省全部退休人员调整系数之和计算出调整系数单价,最后用系数单价乘以本人的系数,即是本人当年的养老金增加钱数。比如下表的是依据2021年4.5%的涨幅,按照“系数调整法”模拟的养老金调整情况:
 
具体来说,就是用本省的平均养老金除以本人养老金计算出每个人的调整系数,再用国家下达的本省养老金调整总额除以本省全部退休人员调整系数之和计算出调整系数单价,最后用系数单价乘以本人的系数,即是本人当年的养老金增加钱数。比如下表的是依据2021年4.5%的涨幅,按照“系数调整法”模拟的养老金调整情况:
  
 
+
[[文件:Mmexport1631741564164.jpg]]
 
 
图片
 
  
 
当然,适当缩小养老金差距是大家期望看到的,但如果搞平均主义和一刀切恐怕也不是个好方法。
 
当然,适当缩小养老金差距是大家期望看到的,但如果搞平均主义和一刀切恐怕也不是个好方法。
  
 
04
 
04
 +
 
房产税遗产税正在路上
 
房产税遗产税正在路上
 +
 
再次分配是通过政府调节税收来缩小贫富差距的。因此,进一步改革税制是实现共同富裕的努力方向。除了让税收更加公正和完善,堵住偷漏税的洞,尽快征收房产税、遗产税、奢侈品消费税,是财税体制改革的关键。
 
再次分配是通过政府调节税收来缩小贫富差距的。因此,进一步改革税制是实现共同富裕的努力方向。除了让税收更加公正和完善,堵住偷漏税的洞,尽快征收房产税、遗产税、奢侈品消费税,是财税体制改革的关键。
  
第120行: 第111行:
 
此时,家有多套住房的老人,不知此刻有何感想?
 
此时,家有多套住房的老人,不知此刻有何感想?
  
 +
05、多渠道提升农民收入水平
  
 
05
 
多渠道提升农民收入水平
 
 
我国农村已经在2020年实现全面脱贫,如今咱们已经迈进小康社会。但农村留守老人这个群体很特殊,70岁以上的老农民大多失去了靠农业生产实现创收的能力,仅仅靠购买农村养老保险每个月获得200来元的养老金,很难维持日益增高的农村生活成本。他们如果再遇到生病会更加困难,应该得到政策和社会公益更多关照。
 
我国农村已经在2020年实现全面脱贫,如今咱们已经迈进小康社会。但农村留守老人这个群体很特殊,70岁以上的老农民大多失去了靠农业生产实现创收的能力,仅仅靠购买农村养老保险每个月获得200来元的养老金,很难维持日益增高的农村生活成本。他们如果再遇到生病会更加困难,应该得到政策和社会公益更多关照。
  
第129行: 第118行:
  
 
中国社会科学院政治学研究所副研究员陈明认为,对于农民而言,医疗和养老是最具普惠性、兜底性和基础性的社会保障形式。现在全国基本已普及了城乡居民基本养老保险和基本医疗保险,如新农合、新农保等。
 
中国社会科学院政治学研究所副研究员陈明认为,对于农民而言,医疗和养老是最具普惠性、兜底性和基础性的社会保障形式。现在全国基本已普及了城乡居民基本养老保险和基本医疗保险,如新农合、新农保等。
 
  
 
江苏省农业科学院农业经济与发展研究所副研究员孙小龙指出,一方面,尚有部分城市医疗、子女教育等社会公共服务依旧建立在户籍基础上,进城农民仍面临“差别化对待”风险;另一方面,现有住房保障体系更多面向新市民和青年人,与低收入农民工群体之间适配性较差,需要聚焦进城农民,定向推出福利宿舍等住房解决方案。
 
江苏省农业科学院农业经济与发展研究所副研究员孙小龙指出,一方面,尚有部分城市医疗、子女教育等社会公共服务依旧建立在户籍基础上,进城农民仍面临“差别化对待”风险;另一方面,现有住房保障体系更多面向新市民和青年人,与低收入农民工群体之间适配性较差,需要聚焦进城农民,定向推出福利宿舍等住房解决方案。
 
----
 
----
 
[https://mp.weixin.qq.com/s/qpwkDrn9ygYO4-7339rjAg 养老金终于要缩小差距了!遗产税也要来了]
 
[https://mp.weixin.qq.com/s/qpwkDrn9ygYO4-7339rjAg 养老金终于要缩小差距了!遗产税也要来了]

2021年9月16日 (四) 09:39的最新版本

玉树带你看世界 2021-9-16

中央财经委员会第十次会议研究了扎实促进共同富裕的问题! 具体落实细则实在让人期待!

会议强调"正确处理效率和公平的关系",这会对退休人员带来什么样的影响呢?我们的养老金会上涨吗?还将对退休人员产生哪些影响?今天退休圈就掰开了说给您听。

01、历史的选择

小|平在80年代曾提出,让一部分人、一部分地区先富起来,带动和帮助其他地区和人民,逐步达到共富。

经过40多年的努力,一部分人确实先富起来了,但不代表全都富裕了。共同富裕,就是要解决初心问题,解决公平问题。

这个重大决策背后,有两个潜台词:

第一,社会主义已经发展到了新阶段,下一个目标就是奔着2035年去的,基本实现社会主义现代化。少数人富裕不是社会主义,在全民小康的基础上实现共同富裕,最终迈向现代化强国,才是中国特色社会主义。

第二,中国目前还存在一定的贫富差距,要重点解决城乡之间、地区之间和群体之间的差异。这从最近一系列疾风骤雨般的杀伐决断就能看出来,互联网、房地产、线上教育、娱乐造富等行业连续遭到暴击,整肃资本打击垄断重拳迭出。这些都是咱们老百姓叫好的政策。

02、什么是共同富裕?

中央财经委第八次会议是这么定义的:

共同富裕是全体人民的富裕,是人民群众物质生活和精神生活都富裕,不是少数人的富裕,也不是整齐划一的平均主义,要分阶段促进共同富裕。

所以先不要急着高兴,我们慢慢分析。

第一,是全体人民的富裕,不是少数人的富裕。

贫穷不是社会主义,少数人富裕也不是社会主义。真正的社会主义是全体人民都富裕,学有所教、劳有所得、病有所医、老有所养、住有所居。

第二,共同富裕是物质与精神双富裕。

这也就不难理解,最近对于娱乐行业的打压。从郑爽,到吴亦凡这类明星,冒出一个封杀一个。时代待他们不薄,但他们先富带领我们后富了吗?

第三,不是平均主义,而是要分阶段。

所以不要高兴的太早,共同富裕不是平均主义,更不是杀富济贫,完全的绝对平均本质是十分不公平的。共同富裕的前提是勤劳致富,并不是躺平拥有一切。

“公平”用一个词来总结,就是“赏罚分明”,用一句话来总结就是“努力与收获成为相对的正比”。

03、三次分配:缩小养老金差距?

初次分配

最简单的,根据劳动所得的收入,上班领工资,经商赚差价。

再次分配

政府通过调节机制,对国民收入进行二次分配。低收入者不交税或少交税,高收入者多交税。上缴的税用于民生、基建、教育、医疗等领域以不断改善人们的生活质量。

三次分配

道德驱动,鼓励富裕人群用相对较少的捐赠,来代替较高的税收。鼓励高收入人群和企业更多回报社会,用两个字概括就是“慈善”。

很明显,这些举措中退休人群都会是直接受益人群。这不但有力提高了大家的医疗、社会福利等,还将在一定程度上保证退休人群退休金的继续上涨。

需要注意的是,财经委这次明确提出了要加大社保和税收的调节力度、以促进公平,那么社保是包括了“养老保险和养老金”的,税收是包括了“个税”的,所以在未来的十年内,个人所得税的起征点和税率,以及养老金上涨的方案,都或将可能呈现出向较低收入的人员倾斜的特点,现在这个总体的方向和框架已经基本确定了。

就是今年,养老金调整方式正逐渐向低收入人群倾斜,有专家预计,在未来十年间,职工退休金和居民养老金上涨的办法和规则,都或将会迎来一定程度的变化和调整,同时各省市里养老金偏低的人群,也有望在未来的养老金核定发放和上涨的时候,进一步得到一定的倾斜照顾或优待,因为低收入的退休人群也是迈向共同富裕时、会被提升的对象之一。

关于养老金的“提低控高”,有业界人士这样建议,不知您认可吗?↓

1.平衡地区差

通过对各省平均养老金与全国平均养老金的比值和全国平均养老金涨幅确定各省养老金涨幅。用公式来表示的话,就是某省平均涨幅=全国平均养老金÷某省平均养老金×全国平均涨幅。

比如2020年全国平均养老金标准是2900元,江西2020年平均养老金是2405元,上海是4265元,按照现行政策和今年人均涨幅4.5%计算,江西人均增长108元,而上海人均增长192元,上海比江西人均多涨84元,可以说地区差越拉越大。

如果采用“阶梯式涨幅”确定政策的话,江西的养老金平均涨幅就是2900/2405*4.5%=5.43%,而上海的平均涨幅只是2900/4265*4.5%=3.06%。

当然也有观点认为,这种方式也不尽科学,因为没有考虑地区之间的生活成本差异。同样3000元的退休金,在不同地区享受到的生活水平是不一样的。

2.平衡群体差

采取“天花板+系数调整法”政策,对个人实行“提低控高”,逐步缩小体制间和群体间养老金高低差距。所谓“天花板”就是设置两条不同的动态红线,凡是当年触及任一红线就暂停当年的养老金调整(解放前参加革命等特殊人员例外)。

设置的两条动态红线可以考虑为:全国平均养老金的3倍、全国全口径平均工资的1.5倍。按照2020年数据计算,大概近8800元左右。

所谓“系数调整法”就是以各地平均养老金为界限,通过科学的计算方法,确定养老金调整系数,养老金越低的调整系数越高、养老金越高调整系数越低,使得在平均水平以下退休人员增加的钱数要超过平均水平以上退休人员。

具体来说,就是用本省的平均养老金除以本人养老金计算出每个人的调整系数,再用国家下达的本省养老金调整总额除以本省全部退休人员调整系数之和计算出调整系数单价,最后用系数单价乘以本人的系数,即是本人当年的养老金增加钱数。比如下表的是依据2021年4.5%的涨幅,按照“系数调整法”模拟的养老金调整情况:

Mmexport1631741564164.jpg

当然,适当缩小养老金差距是大家期望看到的,但如果搞平均主义和一刀切恐怕也不是个好方法。

04

房产税遗产税正在路上

再次分配是通过政府调节税收来缩小贫富差距的。因此,进一步改革税制是实现共同富裕的努力方向。除了让税收更加公正和完善,堵住偷漏税的洞,尽快征收房产税、遗产税、奢侈品消费税,是财税体制改革的关键。

过去20多年,房地产在某种程度上成了贫富差距扩大的重要推手之一。央行报告显示,中国居民家庭,60%以上的财富都是房产。

我们都知道,上海市个人住房房产税已经开征,此次会议之后,房产税推进力度可能会加大,全国推广是必然的趋势。

显然,共同富裕之下,房价显然不能再继续暴涨,炒房团赚得盆满钵满的时代也要一去不复返。

那遗产税呢?

目前,世界上大多数国家都开征了遗产税,美丽国的遗产税起点是543万美元,最高征收率是40%,英国是32.5万英镑,最高征收率是40%,日本遗产税起点以法院判定为准,最高是55%,甚至更高,法国是遗产税起点10万欧元,最高是45%,欧美发达国家普遍征收率在40-55%;我国台湾地区征收率是2%-50%不等,澳门地区是12%-24%;周边国家越南遗产税起点是597美元,征收率是10%。澳大利亚和香港地区为吸收国际资本,取消遗产税。

《胡润财富报告2020》指出,中国600万资产“富裕家庭”数量首次突破500万户,未来10年将有17万亿元财富传给下一代。

中国现在还没有遗产税,原因很简单,以改革开放为标志的这轮市场经济刚刚过去40多年,第一代创富人群大多没到离世的时候,哪儿来的大额遗产?没遗产当然没必要收遗产税。

当前,中国正值第一代富翁把他们的财富向第二代转移,这时候如果不及时推出遗产税,跨越代际的财富不平等就更难控制。

可见,要促进社会财富公平分配,开征遗产税也成为时代的选择之一。

此时,家有多套住房的老人,不知此刻有何感想?

05、多渠道提升农民收入水平

我国农村已经在2020年实现全面脱贫,如今咱们已经迈进小康社会。但农村留守老人这个群体很特殊,70岁以上的老农民大多失去了靠农业生产实现创收的能力,仅仅靠购买农村养老保险每个月获得200来元的养老金,很难维持日益增高的农村生活成本。他们如果再遇到生病会更加困难,应该得到政策和社会公益更多关照。

中央财经委员会第十次会议指出,要尽力而为,量力而行,建立科学的公共政策体系,形成人人享有的合理分配格局。同时统筹需要和可能,把保障和改善民生建立在经济发展和财力可持续的基础之上。重点加强基础性、普惠性、兜底性民生保障建设。

中国社会科学院政治学研究所副研究员陈明认为,对于农民而言,医疗和养老是最具普惠性、兜底性和基础性的社会保障形式。现在全国基本已普及了城乡居民基本养老保险和基本医疗保险,如新农合、新农保等。

江苏省农业科学院农业经济与发展研究所副研究员孙小龙指出,一方面,尚有部分城市医疗、子女教育等社会公共服务依旧建立在户籍基础上,进城农民仍面临“差别化对待”风险;另一方面,现有住房保障体系更多面向新市民和青年人,与低收入农民工群体之间适配性较差,需要聚焦进城农民,定向推出福利宿舍等住房解决方案。


养老金终于要缩小差距了!遗产税也要来了