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职工养老保险经过十多年发展,管理体系已基本建立,管理运作逐渐规范化,保险基金积累也具相当规模,养老保险的意义和作用业已为人们认识和肯定。但目前,职工养老保险基金管理运作还存在以下三难:——职工养老保险费征收难。职工收入少,企业经营困难,难免拖欠应缴的养老保险费;受某些因素影响,少提少缴养老保险费,如有的企业为了完成利润指标,以少计提养老保险费的办法降低费用支出;法人代表认识差,只要经营能勉强维持,不过问养老保险费的计提情况;私营企业、个体户虽已纳入法定范围,但认识和执行有相当大的难度,还需较长过程;某些政府行为的消极影响,增加了养老保险费的征收难
After more than a decade of development, the pension system for workers and staff members has basically established a management system, gradually standardized its management and operation, and accumulated a large amount of insurance funds. The significance and role of pension insurance have been recognized and affirmed by people. However, at present, there are still three difficulties in the management and management of the employees’ pension insurance funds: - It is difficult to impose the old-age insurance premiums for employees. Due to certain factors, the less mention less pension insurance premiums, if some companies in order to complete the profit target, with less plan to reduce the old-age insurance premiums approach Expenses; the legal representative of poor understanding, as long as the business can barely maintain, but asked about the provision of pension insurance; private enterprises, although self-employed has been incorporated into the statutory scope, but awareness and implementation of a considerable degree of difficulty, the need for a longer process; The negative effects of certain government actions have increased the difficulty of collecting endowment insurance premiums