Looking at everyone's reactions, it was a bit embarrassing that the words he just said did not gain their approval. Although the prospects he described were extremely attractive, they were based on absolute research and development capabilities in the medical field.
However, his research and development capabilities in the medical industry have not been proven, so it is normal for them to be skeptical. However, Zhao Yi is now empty-handed and has nothing to prove.
Therefore, this embarrassment cannot be resolved and can only be proven later. However, even if we do not talk about the prospects and just simply calculate the medical costs, it is a very cost-effective thing to achieve universal medical care at a ratio of 15%.
But as Zhao Yi said just now, there is still a huge gap between free medical care and free medical care, so a corresponding system must be established to ensure that the free medical services provided have a certain quality, rather than free medical care in name.
“I know that everyone here is cautious about the future prospects of the medical industry, and I can understand it. After all, I have not yet shown the strength I should have to prove whether these goals can be achieved.
But I am really optimistic about the prospects in this area, and I am also confident in my R&D capabilities in this industry.
This will not be discussed further and can only be left to be proven later.
As I said just now, since we are going to reform the free medical system and contract it to me, we must have doubts about the quality of medical services. This requires us to jointly establish a complete set of specific rules and regulations that are in line with reality.
This not only ensures that appropriate medical services are provided under the current economic and medical conditions, but also avoids unnecessary trouble for contractors.
An obvious example is that if medical treatment fails, the reason for the failure needs to be defined, or a set of definition procedures are needed. Otherwise, if the family members make trouble, the explanation will not be clear.
This is not only a fair explanation for the family members, but also a fair business environment for the contractors. Otherwise, the conflicts arising in the medical treatment will be very prominent and it will not be conducive to the construction of the country's image. " Zhao Yi said.
This is also a doubt that the government has regarding the contracting of medical benefits. Since Zhao Yi raised this issue, it shows that they have a unified understanding of this issue.
What follows is the need to negotiate specific customization of the rules. The medical expertise and legal knowledge involved require a professional team to discuss, which cannot be explained clearly here.
The executive said: “This is also one of our doubts about medical contracting. After all, medical care is about human lives, and we cannot be too cautious in this regard. This is to protect the rights and interests of patients and the interests of contractors.
Since Mr. Zhao also mentioned this issue, we will form professional teams to negotiate and come up with a scientific, reasonable and enforceable rules and regulations. "
The two sides have reached a consensus in this regard, and there is no need to discuss this topic. After all, what needs to be said has been said, and specific issues still need to be resolved in subsequent talks.
"The following is the issue of the pension system. First of all, we need to clarify what age group is the elderly. Only by clarifying this issue can we discuss the next issues.
In my opinion, the definition of the elderly should be in the last 20% of life. In other words, the average age in society is 74 years old, so the minimum age to be defined as an elderly person should be around 60 years old.
According to our current social average age of 68 years old, the minimum age to be defined as an elderly person is about 55 years old.
Therefore, the age definition of the elderly is not fixed, but is calculated based on the average age of society, because with the development of science and technology and the improvement of medical technology, the average life span is getting higher and higher.
In the future, it will become more and more possible for the average age to reach 80 or 100 years old. If it is a fixed retirement age, it will be detrimental to the development of society.
At the same time, the pressure on elderly care is also huge, and it is likely to be unsustainable in the end.
If the average age reaches 100 years old, and people still retire at the age of 60, then there will be 40 years in a person's life when he will not be able to create significant wealth for society.
Instead, it requires social support, which puts a huge burden on the country and society.
Due to the extension of the retirement period, the pension amount will inevitably increase, and the pension submitted during working hours is basically relatively fixed. In the end, the pension will definitely exceed the income, and such a pension system will be unsustainable. "
As a contractor, Zhao Yi must first clarify this issue, otherwise his interests will be harmed first. No matter how rich he is, if he does not care about this issue, he may still fall into bankruptcy.
Of course, this issue is not only about the interests of contractors, but also about the interests of the country.
First, there will be fewer and fewer people participating in the labor force, and the country's economic development will definitely be hit. After all, the country's wealth depends on the working population.
Second, the pension fund will be depleted due to the large number of retirees. Although it was contracted to Zhao Yi, it must be Zhao Yi who will bear this loss in the first place, which means that it is Zhao Yi who will go bankrupt first.
But Zhao Yi's bankruptcy alone is nothing, but the impact is huge. Since Zhao Yi, the contractor, cannot sustain it, then the state may not be able to sustain it if it takes over.
Then the last way is to modify the pension system. If the pension system that has been running for many years is changed instantly, the social impact will be great and it will be very detrimental to the stability of the country, and the stability of the country and society is of particular concern to the rulers.
Of course, if you are determined to kill Zhao Yi, you don't have to agree to this, but Zhao Yi also doesn't have to contract. This is a two-way choice issue.
According to Zhao Yi's three welfare systems, the growth period accounts for about 30% of the total age. Calculated based on the average life span of 68 years, it means that the average person takes about 20 years to study in his life.
After spending another 20% of the time on retirement care, the remaining 50% is the time to truly create value for society, which is about 34 years.
“Because the payment status of personal pensions is different, some have never paid, some have paid for a lot, and some have paid for a long time, so the pension payment standards for these people must also be different.
For example, those who have never contributed enough personal pensions can only be paid at 40% of the average social salary. These pensions can only meet their basic living needs.
Then they will gradually increase their personal pension contributions according to the number of years. If they pay in full, they can receive 80% of the current social average salary as a basic pension.
On this basis, plus the weight of the amount paid during the pension payment period to the average social average wage at that time, the final amount of pensions is actually paid.
This not only takes care of the social relief pension, but also reflects the principle of paying more and getting more.
The above are the overall pension payment principles. Pensions mainly come from three aspects.
The first is government financial subsidies, which account for 15% of fiscal revenue; the second is pensions paid by individuals, which account for 8% of personal wages; and the third is collective pensions paid by enterprises, which account for 20% of the total wages of unit employees.
It is particularly emphasized that the enterprises mentioned here are not just commercial enterprises, but all employing units, including state-owned enterprises, private enterprises, public institutions and national government departments.
Only in this way can the entire society be included in pension insurance without distinguishing between industries and departments, and true pension equity can be achieved. " Zhao Yi said.
The purpose of the last sentence is to explain that after the implementation of this pension system, there will be no distinction between state units and private units, and there will no longer be a distinction between urban household registration and agricultural household registration.
Some readers may question why people who have not paid personal pension insurance can also receive pensions.
Faced with this problem, we must first clarify one issue, that is, if we want to survive in this society, we must obtain a source of income.
The process of obtaining sources of income is the process of work. As long as you participate in social work, you will create economic value for the country and contribute to the national finance.
Therefore, there is nothing wrong with granting pensions to these people, but after all, their contributions are less than those of those who pay pension insurance, or they cannot be accurately counted, so they can only be calculated using a more general method.
Therefore, Zhao Yi believes that 40% of the average social salary is a more appropriate ratio, which can not only widen the gap with those who pay contributions, but also ensure their basic living needs.
The principle of pension benefits should not be to maintain the same dignified life as during the working period, but to provide basic living standards for citizens in their old age, so that every citizen can maintain the basic dignity of life in their old age.
Therefore, according to Zhao Yi's pension system, it is absolutely impossible for retirement wages to be higher than the wages of working employees. In Zhao Yi's view, this is by no means an inclusive pension system and is also unsustainable.
If they want a higher pension, they can purchase additional commercial pension insurance instead of this inclusive pension insurance.
This principle also applies to education and medical care. If you feel that the education provided by the state is not good enough, you can also study in a private educational institution that you think is good. For the same reason, you can also enter a private medical institution for treatment.
Under normal circumstances, the quality of education, medical care and elderly care provided by the state depends on the amount of state fiscal expenditure, but for Zhao Yi, he has more information to do well in these three aspects.
When the government runs free public education, there may be large-scale management losses. However, if the private sector runs independent education and wants to ensure a certain quality, it will try to reduce unnecessary expenses and reduce management costs. The efficiency of fund utilization is higher than that of the government. Much more.
The same is true for medical care. There are phenomena such as high management costs and low fund utilization. In this regard, private companies naturally have certain advantages. At the same time, Zhao Yi can also reduce costs through technical means.
The pension aspect is reflected in the appreciation and preservation of pension funds. It can be said that Zhao Yi will never miss the mark in this regard, which can be seen from the record of his Sunflower Investment Company.
In the final analysis, only Zhao Yi, who has both technology and capital, as well as a cheating device, can do these three aspects well at the same time, and others can't even think about it.
Even if it is done by national governments, there are very few in the world that do well in all three aspects. (End of chapter)