Compared with the above two companies, Chinese pension companies seem to be calm and have received very little attention both at home and abroad.
But for the vast number of elderly people in China, China Pension Company is indeed a name they must remember, because the monthly pension payments are all paid out from the company's account.
It has been two months since China Pension Company accepted the domestic pension benefit system. The monthly pension amount distributed from this company is 5.5 billion yuan, and the per capita monthly pension amount is more than 80 yuan.
Since neither the urban elderly nor the rural elderly have paid pensions before, there is no bonus in this regard. Therefore, Chinese pension companies basically pay 50% of the average social salary.
As for the different pension amounts caused by the status gap, it is not within the scope of consideration of China Pension Company. According to the agreement signed by the company and the government, the pensions issued from China Pension Company are mainly universal pensions.
In other words, the main purpose of the existence of Chinese pension companies is to provide for the elderly population in their later years. As for achieving a better life after retirement than when working, it is basically impossible to rely on this.
As for the additional pension amount caused by the status gap, it is not paid from the China Pension Company, but is settled by their original workplace. It has nothing to do with the China Pension Company, and will not be managed by the China Pension Company.
If calculated based on the current pension payment amount, there is still a surplus in the amount of pensions paid by the current state fiscal funds.
It can be said that China Pension Company is the only one among the three companies under the National Welfare Acceptance Fund that still has a financial surplus, which makes Zhao Yi feel a little bit of comfort.
But Zhao Yi doesn't think this situation can last long, because my country's baby boom has just passed, the elderly population will increase year by year in the future, and the fiscal pension funds paid by the government will become increasingly stretched.
If you want to continue to maintain this kind of pension benefit and develop it stably, you still need more effective financial operation methods. Making money make money is a serious matter.
Therefore, in the meeting, Zhao Yi attached great importance to the operation of pension funds and asked Tang Shaoping to explain this aspect in detail. Even in the middle of the meeting, Zhao Yi brought Ping An Insurance Company in to discuss this issue together.
Currently, the capital operation of the National Welfare Acceptance Fund is handed over to Ping An Insurance Company, which mainly helps these companies manage these financial funds so that national welfare can continue smoothly.
Among them, China Education Company and China Medical Company are currently unable to make ends meet, and there is no remaining funds for capital operations. Currently, the only ones with remaining funds are China Pension Company.
In the foreseeable future, the expenditures of Chinese education companies will show a decreasing trend, and the birth rate of future babies will decrease year by year until it reaches a relatively stable state.
As for those who chose not to marry or have children because they couldn't afford a wife or raise children like in the previous life, there should be much fewer people, because in this life, Zhao Yi has provided them with a good basic guarantee.
Of course, if you want to maintain a relatively high quality of life, you can't have many children. In Zhao Yi's opinion, one or two children per family is more appropriate.
Although Zhao Yi thinks so, these things are not something Zhao Yi can decide, and he has no intention of getting involved. He has already intervened in enough things, so he should intervene as little as possible.
However, when the government formulated family planning, Zhao Yi still made some suggestions. Instead of the original limit of one child for a couple, he suggested that a couple should only have two children at most.
His analysis is that my country's current economic development is very fast, especially the increasing use of new technologies in industry and agriculture, and it has a certain ability to withstand population pressure.
According to Zhao Yi's estimation, with our current resources and the resources that can be mobilized, our country's total population can be satisfied within 2 billion.
In fact, this does not include Zhao Yi's plan to obtain resources from the ocean. After all, these tasks are still in a secret stage and have not been announced to the public, so there is no need to take this factor into consideration.
First of all, the Lucky Light Environmental Management Company has expanded hundreds of thousands of square kilometers of available land for our country, transformed a large area of desert environment in the northwest, and expanded the living space of our people.
This alone is equivalent to expanding the area of a medium-sized province, and the resources they provide can feed at least tens of millions more people.
In addition, Yaoguang Environmental Management Company is also cooperating with the government to treat desertified land in the north. In this regard, it can also carve out tens of thousands of square kilometers of land area.
More importantly, the cooperation between Tianji Agriculture and Animal Husbandry Company and northern herders has provided favorable conditions for increasing the number of cattle and sheep that can be raised in our country, and can provide a large amount of added meat products for our people.
The above is only analyzed from the perspective of land area expansion. These are all tangible and visible favorable factors.
Then it is analyzed from the perspective of agricultural technology development, among which Tianji Agriculture and Animal Husbandry Company still occupies an important position.
The modern agricultural demonstration site where Tianji Agriculture and Animal Husbandry Company cooperates with farmers has given the central government great confidence and has increased the efficiency of producing agricultural products per unit of land area several times.
Baiwei Food Company also cooperates with local farmers to plant various economic activities, which can meet the increasingly abundant material needs of our people.
What worries the government even more is that the offshore farms built by Tianji Agriculture and Animal Husbandry Company have enabled my country's food production to no longer be limited to the land area. my country's vast ocean area can also provide the people with abundant food crops and seafood.
Officially due to the superposition of these factors, the food crisis our country faces all the time like in previous lives no longer exists. Currently, the two companies under Zhao Yi have to worry about the problem of unsalable agricultural products, which is more than enough to feed the current domestic population.
After Zhao Yi's detailed analysis, my country's family planning policy has undergone great changes. The original relatively harsh policy has become a relatively loose policy today.
To be honest, Zhao Yi even thinks that it doesn't matter if family planning is not implemented. With the development of the economy and the growth of personal wealth, people's concepts will be greatly different.
By then, having children will be just a process in life, not the whole of life. People will consciously have one or two children, and they may not be willing to have any more.
Zhao Yi didn't bother to mention this idea, because it was completely unnecessary. If a couple really had two children, it would be just right for our country.
However, the phenomenon of favoring sons over daughters is still very common in China, especially in rural areas. In order to have a son, they will not hesitate to have five or six daughters.
Zhao Yi is very worried about the gender imbalance problem in the subsequent population structure, which may bring a lot of uncertainty to the future society and deepen the internal contradictions in society.
So he had to develop a drug that could determine the gender of a pregnant baby. In other words, if there were two left per person, it was basically guaranteed to give birth to a son and a daughter.
For example, if a couple gives birth to a boy for the first time, they only need to take one injection of this medicine, and the next child can be 100% guaranteed to be a girl, and vice versa.
Only in this way can the current imbalance in the ratio of men to women caused by gender concepts be solved. Zhao Yi also specifically reported this matter to the relevant departments. After all, he did not have the right to implement it.
The results are of course gratifying. Anyone who knows a little bit about the domestic situation will understand the crux of this problem. One son and one daughter is the best result, which can meet most of the requirements for the gender of the children.
If we do not consider immigration to other planets, with our current land area and resources, a population of 2 billion is already the limit. If there are more, many social conflicts will arise, and involution will be very serious.
As long as this policy is well implemented and the wealth gap is balanced in the later period, the people in the country will still live a very happy life.
If you have too many children now, you will have many conflicts later, and your life will be unsatisfactory and unhappy in the later period. It is better to control your fertility now. Although this may seem inhumane, it is actually the most appropriate method.
This kind of policy is also the best for Chinese pension companies. It can basically ensure that the dependency ratio is relatively stable. As long as appropriate financial operations are added, the issue of pension funds can be well balanced.
It seems that Chinese medical companies will always maintain such a high financial gap, but this is not the case. This starts with the body immunity drugs provided by Zhao Yi.
The main reason why there are such high medical expenditures this year is that there are too many patients accumulated in the past. With the cleaning up in this year, the number of severe patients will drop significantly in the future.
In addition, Tianji Dairy Company will soon provide special milk to students across the country, so the health of this group of people will be greatly improved. Not to mention major diseases, even fevers and colds will rarely occur.
This is why Zhao Yi intervened in the burden of free medical care. Without this immune-boosting drug, we would be facing trillions or even trillions of dollars in medical expenses every year, which no one could afford.
This is why Zhao Yi asked Tianji Dairy to promote this milk in the country even if it does not make money, because this is indeed related to Zhao Yi's pocket problem.
As long as this milk containing body immunity-enhancing agents is popularized in society, the number of domestic patients will show a cliff-like decline. In the future, in addition to physical damage to the body, the number of other cases will be significantly reduced.
By then, Chinese medical companies will be able to provide free medical services across the country with the funds paid by the state finance, and even achieve a large surplus.
Then use these surplus funds to subsidize Chinese education companies. After all, this company has no possibility of making profits in the near future or in the long term.
Zhao Yi's biggest wish now is that these three companies can achieve financial balance, so that they can maintain their position in the country and at the same time, they do not have to pay for subsidies themselves. This is the most ideal situation.
As for making money from it, Zhao Yi has never thought about it. He just hopes to recover the funds he invested in the early stage in the future. If he makes too much money in this area, he may be criticized by others.
When it's not making money, no matter what you say, after all, in their opinion, this job is not making money at all, so they are much more tolerant of him, and no one cares about his businessman's style of doing things.
But if we can really make a lot of money in the future, it is inevitable that some people will come out and talk about things. This is for sure. It does not mean that they want to come in and get a share of the pie. If they want to come in, they don’t have the strength.
It's hard to say what the goal is. Various goals are possible. This is why Zhao Yi maintained the maximum profit margin at 5% when signing the contract.
Because according to convention, even welfare companies are entitled to obtain about 5% of profits, just like urban transportation companies, urban water companies, and urban natural gas companies are all allowed to obtain a certain proportion of profits.
Compared with these companies, the National Welfare Acceptance Fund takes greater risks and has a larger initial investment scale. There is no problem in obtaining a profit margin of about 5%.
The agreement signed now is for 50 years. If this situation continues, it will be enough for Zhao Yi to recover the capital he invested and get some reasonable reports.
As for what will happen in 50 years, Zhao Yi doesn't know. If anyone thinks he has the ability to run such a huge welfare system, then just take over it, and he can also save himself and relax.
50 years later, Zhao Yi is strong enough to protect himself. His own strength will not be inferior to that of any country, and he will no longer worry about his personal safety.
The only thing left is the China Education Company. This company has not officially taken over the domestic education work. It is currently in a transition period and the entire company is very busy.
The first two companies have set a good example for them. If it is his turn to fall off the chain, Zhao Yi may really punish the company's management.
When the meeting screen was connected and seeing Wang Huaijun's haggard face, Zhao Yi could also feel how much pressure they were under during this period.
The Chinese New Year is coming up in a few days now. After the Chinese New Year, students across the country will start enrolling in school in a few days, leaving him only about half a month.
Wang Huaijun probably won't be able to get through this year. Not to mention Wang Huaijun, even the entire company's management will probably not be able to get through this year well. They should focus their main energy on the company's work.
Although Wang Huaijun looked haggard, when Zhao Yi asked if he could successfully complete the handover task, he was full of confidence. As he assured, China Education Company had no problems at all.
Since Wang Huaijun said this, Zhao Yi would not say anything more. Maintaining such a huge system is not an easy task in itself. If it were him who did it, he might not be able to do it better than them.
In this matter, he could only believe the management of China Education Company, and said that employees who worked overtime during the Spring Festival would be paid one month's salary in addition to the salary level.
After completing the handover work, the next step is to discover problems in the operation process, correct them in time, and then get back on track. By then, China Education Company will not be as busy as it is now.
In addition, Zhao Yi also proposed at the meeting that Chinese education companies should carry out lifelong education programs, that is to say, relevant education should also be carried out for those who have left school.
Although because of Zhao Yi's relationship, 15 years of compulsory education are implemented in China, there is a high probability that the talent shortage problem will not occur in the future.
However, it still takes a long time for these talents to grow up, and during this period, my country's talent gap will always exist. Many non-core positions in Zhao Yi's companies are now recruiting high school students on a large scale.
This is already the minimum requirement, but even so, there are still gaps in many highly intelligent positions, which prevents the company from operating at full capacity.
It was out of this consideration that he asked the China Education Company to launch a lifelong education plan after its operation was stable, mainly targeting the young people currently entering society.
As for the middle-aged and elderly people, just follow their wishes. After all, they are not far away from retirement. Those who don't want to bother can just ignore it.
Although Chinese education companies will also carry out vocational education, it is hard to say whether this will be effective. Zhao Yi only learned from West Germany's approach.
Therefore, the lifelong education plan can also be said to be a supplement to vocational education, but the relationship between the two is not equivalent.
According to Zhao Yi's plan, the lifelong education plan is based on the voluntary principle of learners, who choose the subjects they want to learn. Chinese education companies provide a full set of teaching content, not to mention undergraduate courses, even from kindergarten to high school.
It can be seen from this that there are actually not many academic qualifications to participate in this lifelong education plan, but it only requires perseverance.
Even people with no education can start from primary school courses and learn online step by step. After passing the assessment of the intelligent education system, they can study at a deeper level until they graduate from graduate school.
Every key promotion exam requires students participating in the study to take an on-site exam. Only those who pass the exam will be issued a certificate equivalent to a formal education qualification by China Education Company in conjunction with the Chinese Ministry of Education.
This certificate cannot be bought with money. You must fully study the education courses in this subject provided by Chinese education companies, and you also need to meet certain requirements. You can only obtain it after passing the exam.
This plan is actually prepared for those who have missed out on studying in school. They are already 15 years old and are almost out of society. It is impossible for them to still enter elementary school to study. It is estimated that they will lose face.
However, this kind of people still have high plasticity. As long as they are willing to put in the effort, most people can still learn a lot of knowledge under the guidance of smart teachers from Chinese education companies.
If they add milk with intelligence potion, the learning pressure will not be very great, because their IQ will be greatly improved, and learning will of course be easier.
Coupled with the formal and valid graduation certificate issued by the Ministry of Education and China Education Company, which is equivalent to a degree certificate from formal education, it will also have obvious advantages when looking for a job in the future.
Other companies don't know and can't control it, but Zhao Yi's companies definitely recognize this diploma. As long as Zhao Yi's companies recognize this diploma, what qualifications do other companies have to disagree with it.
You know, the companies under Zhao Yi are all international giants, the world's top 500 companies, and they all recognize this diploma. Those little-known companies are completely unqualified to deny the value of this certificate.
And those who can learn these courses by themselves without the supervision of teachers are hard to say, at least they are self-disciplined people. Such people tend to have greater potential in the future.
Because only people with strong ambition can have strong self-discipline. Even after getting the certificate, they will most likely choose to continue their studies, because self-learning has been integrated into their bones.
Instead of being forced to study under the supervision of the teacher like in school, and choosing to play and mess around without the teacher's sight, this learning method has very limited potential.
It cannot be generalized. Some students just do not realize the importance of learning. When their ideas change, it is like a different person, and their attitude towards learning will be completely different.
Of course, the course content provided by this lifelong education plan is chargeable, because after all, this is not compulsory education, and only compulsory education is free.
This is mainly done for two reasons:
First, things that cost money and things that don’t cost money have different rarities. As the old saying goes: "Books cannot be read unless they are borrowed."
In other words, borrowed books are often read immediately and cherish this opportunity very much, while books that one already owns are often too lazy to be read and piled up at home gathering dust.
Second, China Education Corporation is a private company after all. Although it is responsible for the national compulsory education benefits, it does not change the fact that it is a private education institution.
This company is responsible for compulsory education, vocational education and higher education. It has been in a state of loss for a long time and needs to pay for it.
Of course, he needs to create some income for Chinese education companies from other places. Instead of letting various training classes and training schools earn this income in the future, it is better to let his own company earn it.
In this way, he can spend less money to subsidize. If a profit balance is really achieved, it will be even better. Zhao Yiyi can only dream of this situation.
However, this situation is unlikely to be seen in the short term, because although Zhao Yi intends to make money from this plan, he will not be so crazy because his fundamental purpose is to provide more outstanding talents for society.
Therefore, although a certain fee will be charged, it is not very expensive and is much lower than the cost of studying in school.
According to Zhao Yi's plan, students can selectively purchase relevant learning courses based on their own knowledge reserves.
For example, if they have already studied in the fifth grade of elementary school, they do not need to purchase the courses before that. They can purchase relevant courses from the first grade of junior high school.
And if you graduate from junior high school, the Chinese education company will refund the study fee for one grade of course. In other words, students can study a three-year course for the cost of a two-year course.
This is an incentive measure that encourages students to complete a stage of learning tasks as much as possible, so as to save learning costs and provide them with a motivation to learn.
To be honest, Zhao Yi didn't have a good estimate of how this plan would turn out. After all, learning is also a process of inverse animals. It is very painful and not everyone likes it.
This naturally excludes some people who only want temporary pleasure, and the remaining people will not choose to participate in this plan due to various reasons.
Of course, poverty is the last thing Zhao Yi wants to see, so Zhao Yi asked China Minsheng Bank to provide a study loan with a very low interest rate, hoping that he would not miss such an opportunity due to poverty.
As for repayment, you can repay it slowly after you start working. If you really graduate from university or graduate school, their income will be more than enough to repay the loan.
Of course, if you want to participate in the study of this plan, you must first purchase a personal handheld computer or a personal computer. Personal computers are more expensive and inconvenient to carry around, except of course notebooks.
What worries Zhao Yihe is that because personal computers have too many functions, people with weak self-control may start playing games while learning.
Therefore, Chinese education companies will strongly recommend to students the same model of personal handheld computers used in schools. This personal handheld computer is cheap and has a single function. It only has learning functions and is not easily distracted. (End of chapter)