Department: pension insurance fund does not undertake or to adjust the stock market function

Beijing newspaper (reporter Gui Jie) in January 22, steel chamfer for there are rumors that the crash of Chinese stock market is to create conditions for the pension fund market, spokesman for the Ministry of human resources and social security Li Zhong today made it clear that the market rumors do not accord with the actual, the old-age insurance fund as one of capital market participants, do not assume the stock market regulator function and the responsibility, but there is no such effect. Li Zhong pointed out that in August last year, the State Council issued the “measures” investment of basic old-age insurance fund management, after department in conjunction with the relevant departments to set up a working group to develop the focus on investment contracts, fund accumulation allocation process, supporting policies of financial accounting rules, investment risk management policies, information disclosure and reporting system, measures details of the work, and actively promote the relevant work. At the same time, the Ministry of human resources and actively contact with relevant provinces, understand the intention, plan, commissioned commissioned time arrangement, docking work and local. Li Zhong said, is currently advancing according to plan, has made progress. Li Zhong said, the next step will be to revise and improve the relevant supporting policies, seek advice throughout after the formal implementation, to ensure that this year started operating investment goals on time. The relationship between pension fund market and the stock market, “I can clearly say that do not meet the actual market rumors. We have repeatedly stressed that the endowment insurance fund is the people’s life of money, to ensure the safety of fund is always our first consideration, the fundamental purpose of the market-oriented investment operation is to increase the value of the fund”. The pension insurance fund when the market, Li Zhong said, the relevant departments are studying the supporting policies and measures to develop investment measures, these supporting policies, provinces and autonomous regions can be started by investment program, the local pension fund commissioned by the National Social Security Fund Council for investment, you can start in the year. But this is not the same as in the “market” and “the starting time of entrusted investment into” the time is not equal to the “measures” investment of basic old-age insurance fund management provisions of the pension insurance fund investment can have bank deposits, bonds, stocks and other 20 kinds of products and channels to invest in the stock market is just one kind of choice at the same time, the pension fund investment in the stock market is the main market institutions entrusted by the operation, according to the market conditions to determine the stock trading point, the government does not operate directly. In addition, Li Zhong also said that the implementation of a progressive retirement age policy, need comprehensive consideration of various factors, such as population structure, the supply and demand of human resources, education, life expectancy and social security system progress. “At present, we are to make a comprehensive analysis and consideration of these factors, will be timely to the public for comments.” Li Zhong said that the spread of the Internet to delay the retirement age schedule is not true. The party’s eighteen plenary session, to improve the medical insurance reimbursement ratio stable and sustainable financing and adjustment mechanism, study the implementation of employee retiree health insurance premium payment policy. In this regard, Li Zhong said, the next step will be to social workers to pay a certain amount of retirement reform of health insurance research, listen to the views of the community, in a comprehensive analysis based on a variety of factors, put forward policy recommendations. lifting clutches

How to save money in the bank is the most effective? To find the optimal combination in different period between the bank and the

What kind of money in the bank deposit method is the most effective? To find the optimal combination in different period between the bank and the The state-owned banks each term deposit interest rate (%) Two years three months six months a year for three years to five years the benchmark 1.11.31.52.12.75 1.35 – 1.431.55 – 1.691.75 – Bank of China – 2.12.25 – 2.732.75 – 3.5752.75 – 1.431.55 – 1.691.75 – 3.575 ABC 1.35 – 1.952.25 – 2.732.75 – 3.5752.75 – 3.575 for 1.35 – 1.431.5 – 1.691.75 – 22.25 – 2.732.75 – 3.5752.75 – 3.575 – 1.431.55 1.35 CCB – 1.691.75 – 1.952.25 – 2.732.75 – 3.5752.75 – 1.35 – 1.431.55 – 3.575 bank 1.691.79 – 1.952.25 – 2.732.75 – 3.5752.75 – 3.575 The joint-stock banks each term deposit interest rate (%) The bank three months six years three years five years 1.11.31.52.12.75 1.351.551.752.252.752.75 Shanghai Pudong development investment benchmark 1.4 – 1.51.65 – 1.751.95 – 22.4 – 2.732.8 – 3.32.8 – 3.3 CITIC 1.4 – 1.951.65 – 1.751.95 – 22.4 – 2.523 – 3.33 – 3.6 China 1.4 – 1.51.65 – 1.751.95 – 22.43 – 3.13 – 1.4 – 1.51.65 – 3.2 industrial 1.751.95 – 22.7 – 2.753.23.2 – 1.751.65 – 21.95 – 1.4 people 2.22.4533 Everbright 1.4 – 1.541.65 – 21.95 – 2.12.41 – 2.942.75 – 3.853 – 3.85 – 1.51.65 – 1.751.95 Ping 1.4 – 22.52.82.8 – 1.51.65 – 1.751.95 GF 1.4 – 2.0252.1 – 2.522.75 – 3.853.2 – 1.43 – 1.51.69 – 3.27 Zhejiang 1.751.95 – 2.252.5 – 2.753 – 3.253.25 – 3.55 Hengfeng 1.4 – 1.51.69 – 1.751.95 – 22.53.13.1 Chongqing evening news for many families, put money in the bank is still the most important asset allocation. How to save the most cost-effective? Perhaps many readers do not understand. Yesterday, cuplock scaffolding a well-known research firm released the fourth quarter of the banks in the 35 City deposit rate report, may serve as a reference. The report shows that in October 24th last year, the central bank canceled the deposit interest rate floating ceiling, commercial banks and other financial institutions to determine the interest rate floating rate. The Bank of all term funds for different deposit rates on different degrees of buoyancy. The report shows that in the state-owned banks, joint-stock commercial banks and urban and rural areas for the 3 types of banks, city commercial bank deposit rate is relatively high, but the difference. In the period of 3 months to 1 year fixed deposit interest rate floating rate maximum demand and two-year deposit interest rate floating range minimum. The report shows that last year’s fourth quarter decreased between the five state-owned bank interest rate difference. The bank and the bank deposit rates are relatively high, with the highest floating rate of 40% in each period. The bank deposit interest rate floating rate is lowest, basically every city in the deposit interest rates are at the bottom position. Most of the city of joint-stock commercial bank deposit interest rates higher than the five major state-owned banks and the postal savings bank, and in October last year the central bank to cut interest rates after the whole go up greatly. The Zhejiang bank, Minsheng Bank, Guangdong Development Bank deposit rate is relatively high, CITIC Bank 3 month term deposit interest rate of 77.2%, is the joint-stock banks all terms in the highest floating rate. China Merchants Bank deposit rates in each period, each big city is still at the bottom position. From the monitoring of city commercial bank deposit rates, deposit interest rate is significantly higher than that of general city commercial banks and postal savings banks and state-owned joint-stock banks. 5 year deposit not announced the benchmark interest rate, interest rate in the range of 2.75%-3.575% between the state-owned banks; joint-stock commercial banks between 2.75%-3.85%, of which the highest Everbright Bank, 3.85% city commercial banks; 5 year deposit rate is the highest in Chongqing bank and Chongqing Bank of three gorges. According to the report, if in order to obtain the highest interest rate for the purpose to goods than three, according to the selection of the highest interest rate of bank deposit period. If you are worried about the interest rates continue to decrease, while the demand for liquidity is not high, can choose long-term deposits, locking high interest rates. The asset allocation, to pay more attention in addition to bank deposits outside the financial means, such as the purchase of financial products, fund etc.. The purchase must see the level of risk, such as guaranteed or not. Last year the number of interest rates, a total reduction of 1.5 percentage points, the benchmark one-year deposit rate dropped from 3% to 1.5%. Compared with developed countries, China’s interest rate is still at a high level, and the downtown pressure on the economy is still large. According to the report, the future may have to cut interest rates further, but interest rates will reduce the frequency of. (the interest rate of bank interest rates in different regions or sites listed, there is a difference, please refer to the bank outlets listed interest rates.) Chongqing evening news reporter Feng Yufan cast in ferrules

The bank bill business is now a major risk relates to capital 3 billion 915 million yuan

JINGWAH Times News (reporter Yu Xuefei) yesterday evening, the bank announced that, recently the company Beijing branch bill resale business major risk events, after verification, involving the amount of risk for 3 billion 915 million yuan. Industry analysts pointed out, is likely to be the bank employee embezzlement, belongs to the typical collusion operation. The industry is expected to bill business volume will therefore limited. Agricultural Bank of China Beijing branch announced that the company recently notes resale business major risk events, after verification, involving the amount of risk for 3 billion 915 million yuan. At the same time announced that the current police investigation, the company is actively cooperate with the investigation work, strengthen coordination and communication with relevant institutions, to ensure maximum safety of funds. Bill business is a traditional business of bank assets. Bank bill business is based on commercial credit, is a combination of bank credit and commercial credit. Open bill business can promote the commercial credit notes, to strengthen credit management, to create conditions for the promotion of commodity production and circulation, enliven the economy. Insiders pointed out that the spread of the incident in the bill market, will affect the discount interest rate rebounded slightly. Agricultural Bank of China branch estimates will conduct a thorough investigation of bill business, the other banks will be relatively tight bill business. Analysis of Central University of Finance and Economics China banking research center director Guo Tianyong, this should be the bank staff embezzlement, steal bank notes are sealed up, stole the money in the bank, according to media reports before, belongs to the typical collusion operation. He said, according to the bank for the bill business mode of operation, the staff should be as high as many people may be woan. For this event, Guo Tianyong said, not for ordinary savers, but for the banks affected, may lead to bad debts. At the same time highlighting the bank’s internal risk control, operation risk. Renmin University of China economics professor Li Yiping said that if the bill is not cash, the bank can not report the loss, what effect for savers; if the bill for money, it means that the bank’s capital small plates, depositors would have an indirect effect on. pfeifer vs box

Department: Department of misreading the misappropriation of eighty billion pension

In January 22, shuttering magnet Beijing newspaper (reporter Gui Jie) recently there have been media reports in 2015 about 80000000000 yuan misappropriated pension, lifting socket funds unaccounted for, spokesman for the Ministry of human resources and social security Li Zhong at a news conference today responded, “I can clearly say that this is a misunderstanding.” Li Zhong said, “China’s social insurance fund financial system” clearly stipulates the endowment insurance fund expenditures 5 projects: the first project is the basic pension expenditure, to direct payment of pension benefits; the second project is to Medicaid, in accordance with the provisions of payment to the failure to implement the medical insurance area has been included in the basic pension insurance fund expenditure range retired and retired personnel of medical expenses; the third project is the funeral pension subsidies, used to have been included in the basic pension insurance fund expenditure range of retired and resigned staff and workers death funeral subsidies cost and dependent relatives pension benefits and living expenses; the fourth project is the transfer expenditure, the insured cross areas the flow of funds transferred out expenditures; fifth projects are other expenses, other expenses that approved by the local financial sector, including loan interest payments, bank charges and expenses, some workers subsidies etc.. In 2014 the national social insurance fund annual data released by the Ministry of human resources, in 2014 the national urban basic pension insurance fund total expenditure 21755 billion yuan, of which the basic pension expenditure is 20950 yuan, Medicaid spending 1 billion 100 million yuan, funeral subsidies for 51 billion 900 million yuan fee, transfer expenditure 23 billion yuan, other expenses 4 billion 500 million yuan. These 5 figures, in addition to the pension expenditure, add up to 4 other subjects previously part of expenditure is reported by the media for the payment of pension benefits beyond about 80000000000 yuan. “The current pension expenditure accounts are clear, each fund spending direction is clear, in accordance with the provisions of the financial management of social insurance fund, not be used for other purposes, funds unaccounted for.” Li Zhong said. Li Zhongqiang, the pension insurance fund is the masses life money, strict supervision of the national social insurance fund, social insurance fund in the financial accounts, the implementation of two lines of revenue and expenditure management, earmarking, to ensure the absolute safety of endowment insurance fund and other social insurance funds, no organization or individual may occupy or misappropriate. In addition, according to recent reports that China in 2016 ushered in the second round of unemployment or doubt, Li Zhong said, the downward pressure on economic restructuring and accelerate the process, there are some industries and enterprises increased attrition phenomenon, but from the statistical monitoring and research related, attrition occurs mainly in the individual regional and Industry, no large-scale layoffs tide “, and in 2016 the employment situation for economic development fundamentals, continue to promote reform and innovation, the system of employment policies and services continued to force other favorable factors will continue to exist, the overall stability of the situation. Li Zhong, last year completed a comprehensive new urban employment of 10 million people, more than the registered urban unemployment rate of less than 4.5% of the control objectives. Last year, 13 million 120 thousand new urban jobs, urban employment 5 million 670 thousand people, employment difficulty at the end of 1 million 730 thousand, the registered urban unemployment rate of 4.05%, the full completion of the target. lifting clutches

Central bank: the balance of personal mortgage loans grew 23.2% last year

In January 22nd, the “Securities Daily” reporter learned from the central bank, lifting socket as of the end of 2015, the loan balance of RMB real estate reached 21 trillion and 10 billion yuan, an increase of 21%, the growth rate of 2.1 percentage points higher at the end of 2014; the annual increase of 3 trillion and 590 billion yuan, an increase of 843 billion 400 million yuan, accounting for the annual incremental incremental loans accounted for 30.6%, higher than the level of 2.5 compared to 2014 percentage points. At the end of 2015, real estate development loans for 5 trillion and 40 billion yuan, an increase of 17.9%, the growth rate at the end of 2014, 3.8 percentage points lower; real estate development loans for 1 trillion and 520 billion yuan, an increase of 12.8%, the growth rate of 12.9 percentage points lower at the end of 2014. Balance of personal loans to purchase 14 trillion and 180 billion yuan, an increase of 23.2%, the growth rate at the end of 2014, 5.7 percentage points higher than the growth rate of loans, up 8.9 percentage points; the annual increase of 2 trillion and 660 billion yuan, an increase of 936 billion 800 million yuan. At the end of 2015, real estate development loans in the affordable housing development loans for 1 trillion and 820 billion yuan, an increase of 59.5%, the growth rate of 2.5 percentage points higher at the end of 2014; the annual increase of 676 billion 100 million yuan, an increase of 264 billion 300 million yuan, accounting for the same period of incremental real estate development loans accounted for 92.7%, 37.7 percentage points higher than 2014. lifting socket

The Hong Kong dollar exchange rate reached more than 5 years the largest increase

The newspaper news (reporter Cheng Jie) in Hongkong’s confidence in the government under the guidance of the Hong Kong dollar exchange rate continued to rebound sharply yesterday. Yesterday, steel chamfer the Hong Kong dollar exchange rate rose to expand to 0.4%, scaffolding accessories up to 7.7853, the highest in more than a week high, also set in May 2010 for the largest increase. This Wednesday, short angry again, the Hongkong stock market, both currencies fell. Hong Kong dollar fell to 7.8295, the lowest level in 8 years, while the U. S. dollar peg for the lower range of 7.85. At the same time, the Hang Seng Index also fell below the 19000 mark integer, closing plunged 3.8%, hit a 42 month low. Haitong Securities believes that the current foreign exchange reserve in Hongkong is sufficient, and the external situation is not so serious in Hongkong in 1997, the HKMA recently said it will maintain the linked exchange rate system, the exchange rate of the overall risk control. halfen channel

Bank service channels to seek change traditional outlets but also how transformation

The industrial and Commercial Bank of Beijing Xidan bank outlets set a layer of intelligent counter, cast in ferrules laying a total of 47 sets of intelligent self-service equipment, by the staff to help customers apply for non cash business. Newspaper reporter Guo Ziyuan photo The China Merchants Bank in Beijing branch of the Universiade village, a customer is through VTM and the head office staff backstage dialogue, handle the relevant business. Newspaper reporter Guo Ziyuan photo In January 15th, the State Council issued “to promote the development of inclusive financial planning (2016 – 2020)”, which enhance the financial institutions the use of science and technology level “column outlines the picture for the next five years the Bank of modern service, clearly encourage banking financial institutions to speed up the electronic banking and self-service equipment, instead of fixed network schedule”. Speaking of banking services, people on the “network queues” who feel helpless. But with the development of information technology, especially the Internet and the integration of financial depth, the only channel outlets counter is not carrying banking services, non cash business, self-service online banks become “channels for change” logic. On the one hand, the remote video teller machine (VTM), intelligent terminals and other self-service equipment fast emerging, has been covering the vast majority of non cash transactions, the formation of effective diversion outlets counter; on the other hand, the non cash business also accelerated the shift from offline to online banking, mobile banking, direct sales platform function is improving. Intelligent bank: What exactly do In Beijing Xidan District, there is a “less like dot dot”: a hall no counter, instead of the 47 sets of intelligent self-service equipment. This is the industrial and Commercial Bank of Chinese in Beijing’s first smart banking outlets. In addition to the traditional network of common ATM, query the payment machine, remittance machine, here also cloth put intelligent terminal, instant card products, machines, self-service machines for settlement. Among them, and China Railway Corporation to launch the “silver multifunctional ATM CTT” at the end of 2015 put into use, the current sales, to receive a train ticket, will be on-line access to cash, mobile phone booking and other functions in the future. “Now account from the counter, through the intelligent terminal.” A lobby manager of the network, customers click on “I want to do card option, enter the relevant information, PAD verification staff will take embedded” citizen identity information network verification system “, this step is equivalent to the traditional outlets teller identity verification. Reporters noted that the identity verification is completed, the customer to the product receiving machine “inserted into the ID card, debit card just to set the input password, check to get a new card from the bayonet, the whole business card printing process for about 1 minutes and 50 seconds. “Due to the addition of the field of nuclear body link, the account belongs to the class I family full account, not only through self-service machines, electronic channels open class II or III households.” The lobby manager said. “47 self-service equipment available covering almost all individual non cash transactions, such as electronic banking services, financial services, remittance, payment, passbook board.” The person in charge of the network that can support the settlement of self-service machine at present less than the equivalent of 2500 RMB yuan dollar, pound, euro, yen, HK $5 direct settlement of foreign currency cash. But note that the individual and the public part of the complexity of cash transactions, such as large transfers more than 500 thousand yuan is under the counter. But after the smart banking diversion, counter pressure significantly reduced, the network only set up 4 non cash counters and 2 cash counters on the two floor. “In January 2015 the beginning of the opening, our counter business accounted for 21.61%, the same year in November dropped to 12.46%.” The person in charge of the network, customer acceptance of new equipment is a process, the bank will continue to be a good guide. As a tool for transformation of traditional service in recent years, the rapid development of smart banking outlets. At present, in addition to the industrial and commercial bank, construction bank, Minsheng Bank, Ping An Bank, Beijing bank and other financial institutions also have to test the water. Direct bank: What can buy what If the bank is on the intelligent network transformation line, then the pure internet bank to cancel outlets, will transfer the line service to the line. At present the two China Shenzhen Qianhai micro focus bank and Zhejiang commercial bank pure Internet banking, is the first pilot of the private banks. Wang Naiqing was born in 1990, working for an advertising company in Beijing at present, since that is the senior user micro public bank APP. “Last August I downloaded a line, but because the remote account did not fully open, I can get an electronic account in micro public, but also a need to bind other bank accounts for the transfer of funds.” Login micro public bank APP can be found, on-line products include “current” + + “regular” “fund” class three, “the current” docking of a monetary fund products, the annual yield of seven from about 3.5%, supports real-time arrival; “regular +” is the butt of many non guaranteed floating income financial products, such as the qualitative aggregate asset management plan, old-age security management products, according to the investment period and the purchase threshold, the expected annual yield of 4.25% to 7.5%. Wang Naiqing said he took a monthly wage of 30% in the “current +”, with the deposit with the check, good liquidity, 60% choose to buy the regular wage + financial products, due to low risk appetite, no investment of partial stock funds plan. Because of the remote account rules, the industry will be more inclined to the current Internet banking as a direct bank”. Direct bank refers to commercial banks to build an online sales platform, the integration of their loan, exchange business investment products to customers through the PC terminal or mobile phone into APP, both to expand the space, but also eliminates the physical outlets from the queue. Compared with online banking, direct bank broke the bank account limitations, will he open platform to customers, build online financial supermarket”. Since 2014, the Minsheng Bank “early adopters”, after nearly two years of development, now has more than 30 banks set up direct banking platform, such as industrial bank, Ping An Bank, Beijing bank, Jiangsu bank, industrial and Commercial Bank of China recently launched a new version of mobile phone banking, the author of his account opening, equivalent to the integration of the original sales the function of bank. From the product type, each was included in the deposit business, monetary fund products. In addition, the bank also launched their own different stock funds, life insurance and other investment products, as well as gold, silver, the international crude oil, crude oil and other trading products in North america. Traditional outlets: How can the transition Hierarchical customer groups determines the diversified banking service channel. At present, some old customers will traditional outlets as the first choice for banking services, especially in the remote account is not fully open the case, part of the line network function can not be replaced. Monitoring data show that as of the end of 2015, China’s banking outlets has reached 220 thousand. Their services to enhance the space where? Recently, the central bank and the State Quality Inspection Administration, the National Standards Committee jointly issued the “basic requirements” bank business outlets and 9 financial service national standard, deep fine service will become the target of traditional outlets. At noon on January 13th, China Merchants Bank Beijing Branch Account Manager Yao Yuxin village in the “Advisory Guide” busy. “Effective diversion is the key to enhance the network capacity.” If customers for non cash business, staff will have the corresponding guide to the self-service banking service area, financial services area, to reduce the pressure on the counter and waiting time. In the self-service banking service area, a dialogue scene attracted many customers to stop. Reporter observed, the visual counter (VTM) configuration of the camera, card reader, card reader module, customers through the network video technology and head of backstage operations center staff face to face communication for business. “The VTM can accept more than 20 business card, such as self-help, risk assessment, foreign exchange settlement, will also be on the line of new modules in the future, gradually 100 accepting non cash business.” Retail outlets charge elegant said, in addition to the 1 Taiwan cabinet VTM, network configuration with 4 PAD version of VTM, in order to more effectively shunt during peak periods. Behind the fine streaming is data system and support system. It is understood that the day of the China Merchants Bank head waiting for all outlets long monitoring and comprehensive traffic, call volume and other indicators for each network evaluation. At present, the monitoring data has been a number of banks pay attention to. According to the Beijing branch of ICBC Service Department Zhao Jie introduced, according to the customer to take a number from station to station kiosks to counter the time difference, visual management system can calculate the average queuing network of daily, monthly and quarterly “time” and “the proportion of the number of customers queuing timeout, and accordingly the examination of various outlets. In addition, according to the average queue time, five kinds of color grading system to mark all outlets, “the competent departments at all levels to see which branch line is more serious, so as to allocate resources, focus on”. cuplock scaffolding

The Department held a press conference to clarify: 80 billion pension embezzlement is misreading

Newspaper reporter Yuan Jing Recently, anchor socket the media reported that the 80 billion pension diverted funds unaccounted for, “a message, let many people be startled at. In the Ministry of human resources and social security held yesterday in the fourth quarter of 2015 press conference, spokesman Li Zhongyu to clarify. “I can say that this is a misunderstanding.” Li Zhong said. He was counting the conference site “pension account”: in accordance with the relevant provisions of the pension fund expenditures included five items, respectively, the basic pension expenditure, Medicaid, funeral subsidies, pension transfer expenditure and other expenditure. According to the annual report data in 2014 the national social insurance fund, the pension insurance fund for urban workers across the country a total of 21755 yuan, of which the basic pension expenditure is 20950 yuan, Medicaid spending 1 billion 100 million yuan, funeral subsidies for 51 billion 900 million yuan fee, transfer expenditure 23 billion yuan, other expenses 4 billion 500 million yuan. In the five figures, in addition to the basic pension, the other four projects add up to the media reports of “misappropriation” of about 80000000000 yuan. The stock market has nothing to do with the pension market At the beginning of this year, A stock market tumbled several times after. A shares fell is rumored to pave the way for the pension market on the rise. “Market rumors do not accord with the actual.” Li Zhongyu explicitly rejected, the endowment insurance fund is the people’s life of money, ensure the safety of the fund is the first to consider the issue, the fundamental purpose of the market-oriented investment operation is to increase the value of the fund. He pointed out that the pension fund as one of the many participants in the capital market, the stock market regulator does not assume the functions and responsibilities, but there is no such effect. Moreover, the capital market is not for the pension insurance fund to provide special channels, to make special arrangements. Last year, the Department has proposed to start in 2016 endowment insurance pension investment operations, when the market affects a lot of investors. Li Zhong responded that the Department has been in conjunction with the relevant departments to develop a program of work on the entrusted investment contract, fund accumulation allocation research process, financial accounting rules, investment risk management policies, information disclosure and reporting system to develop the supporting policies. For these supporting policies, provinces and autonomous regions can be started by investment program, the local pension fund commissioned the NSSF investment, you can start the rapid progress in the year. Network transmission delay retirement age table is not true Finance minister Lou Jiwei recently proposed to deepen the reform of social security system, the implementation of employee medical insurance policy payment of retirees, caused no small vibration in the community. In this regard, Li Zhong said, put forward the party’s eighteen plenary session, to improve the medical insurance reimbursement ratio stable and sustainable financing and adjustment mechanism, study the implementation of employee retiree health insurance premium payment policy. He said, the direction of the reform of medical insurance system, the total is to build a fairer and more sustainable system, to better protect the insured medical insurance interests. The next step will be in accordance with the Department of the Fifth Plenary Session of the spirit, earnestly carry out research, listen to the views of the community, in a comprehensive analysis based on a variety of factors, put forward policy recommendations. In addition, delay retirement has been the topic of redubujian. For a long time, the Ministry of human resources and a “progressive retirement age” schedule of heat transfer in the circle of friends. For this form of credibility, Li Zhong made it clear that “is not true”. The implementation of a progressive retirement age policy needs to consider various factors, including population structure, human resources, labor supply and demand is influenced by many factors of education, life expectancy and social security system progress. At present, the Ministry of human resources and the ongoing comprehensive analysis and consideration of these factors, will be timely to the public for comments. The year about ten million new urban jobs Li Zhong, last year completed a comprehensive new urban employment of 10 million people, more than the registered urban unemployment rate of less than 4.5% of the control objectives. He said that in 2015 the year of urban employment 13 million 120 thousand people, urban employment 5 million 670 thousand people, employment difficulty at the end of 1 million 730 thousand, the registered urban unemployment rate of 4.05%, the full completion of the target. According to recent reports that China in 2016 ushered in the second round of unemployment or doubt, Li Zhong said, the downward pressure on economic restructuring and accelerate the process, there are some industries and enterprises increased attrition phenomenon, but from the statistical monitoring and research related, downsizing mainly occurs in the individual regions and the individual industry, no large-scale layoffs tide “, and in 2016 the employment situation for economic development fundamentals, continue to promote reform and innovation, the system of employment policies and services continued to force other beneficial factors exist, will continue the overall stability of the situation. lifting clutches

More than 40 P2P platform annual yield of over 36% investors lost principal tip licking the blood carefully

The first net lending statistics the annual interest rate of the top 30 of the platform, there are 8 in Ningbo – reporter Liu Qi High yield has been the net loan industry suction gold weapon, ferrule insert but also restrict the development of short board, even has become the industry risk accumulation point. Recently, a “Securities Daily” reporter data obtained from the first net loan showed last week (January 11, 2016 to January 15, 2016), the average composite interest rate of more than 36% of the platform for a total of 41. At the same time, the domestic P2P net loan industry average profit rate is about 11.58%. In this regard, insiders told reporters, “with the central bank repeatedly cut RRR, the liquidity of the whole society has been up, financing costs have fallen, at this time still adhere to the mode of high income high cost is obviously not in conformity with the laws of the market, or the risk of fake self financing, should be vigilant.” And, near the end of the year, P2P platform “closures” seems to have become the industry lingering demons. Therefore, investment advisor in the financial industry researcher Bian Xiaoyu said in an interview with reporters, the “Securities Daily”, “high income is often accompanied by high risk, investors should be on the platform, the strength and the product quality in the choice of platform to fully understand, try to choose a large platform, don’t worship high yield platform, yield more than the platform must pay attention to 18%. It should try to avoid the frequent Shandong, Zhejiang platform area, choose the industry order relatively standardized areas for investment.” The top 30 high yield net loan platform Ningbo area accounted for 8 According to the first net loan data show that last week (January 11, 2016 to January 15, 2016), the average composite interest rate of more than 36% of the platform for a total of 41. And, the 41 platform last week working days a total turnover of more than 100 million yuan. According to the reporter observed, the most recent platform released a large number of high interest events. The net loan platform in short scale, high interest rates to attract investors reward standard, is not a net loan industry new things. At the same time, the reporter statistics, the first net lending statistics the annual interest rate of the top 30 of the platform, there are 8 in Ningbo. Why is Ningbo area net loan platform preference for high returns? In this regard, Bian Xiaoyu told the “Securities Daily” reporter, “on the one hand, because of the development of net loan industry in these areas is relatively rapid, there are a large number of net loan platform to enter the market each year, and high income is a platform to attract users the most common means; on the other hand is due to the Ningbo area Small and micro businesses, and private lending the traditional deep, walk on the edge of the platform number policy.” And, she said, the platform of high yield area is just a platform run away prone areas. In fact, Zhejiang has been a net loan in the province, as of now there are 300 net loan platform P2P operating platform, registered in Ningbo at least 51. But according to the net loan home data show that 51 platform in Ningbo in 36, Guan Ting has run away, cash difficulties and other issues, some platforms opened only two months lost contact. Such as “Ningbo Yalian loan” launched in October 11, 2015, in December 2nd the same year the platform off station lost; in June 12th last year launched “Gou City loan” also broke cash difficulties; on June 25th the “Ci Xin loan in July 20th issued a letter of apology on the official website that the company to suspend business. Xinlong Xiang wealth, wealth, wealth, wealth Haohua communication, union financing, loans, financial and other Chinese gathered more than a dozen Ningbo P2P platform are problems in the last year. “Super high yield platform often there will be wind control system is imperfect, the registered capital is too small, high rate of bad debts and other characteristics, net loan platform revenue is high, the main reason is that it can use the network, eliminating many intermediate links, to narrow the distance between investors and borrowers, gather funds in a short period of time. High income coexist with high risk, there is no exception in the field of high yield net loan, means that the future platform capital payment pressure, the risk is relatively high, “Bian Xiaoyu told the” Securities Daily “reporter. Cut is the industry trend Super high interest is not protected by law In fact, P2P net loan is not synonymous with high interest rates. According to statistics, in 2013, the comprehensive income P2P industry rate has reached 21.25%; and in 2014, the whole industry comprehensive income rate dropped to 17.86%. According to the net loan House released the December 2015 monthly report shows that from the platform of comprehensive income distribution platform, comprehensive income more than 70 percent of the rate was 8%-18%. Among them, the largest proportion of the yields between 12%-18% platform accounted for 48.60%; followed by the rate of return between 8-12% platform accounted for 28.42%. In the consolidated income rate of both ends of the platform accounted for a total of less than one percent, the comprehensive income rate accounted for 4.14% in 8% following the platform; comprehensive rate of return of 24% and above the platform accounted for at least, only 3.45%. Not only is the traditional financial institutions such as banks, Internet financial institutions to the mainstream P2P platform as the representative, since last year, has repeatedly lowered the rate of return, the industry insiders on the “Securities Daily” reporters, on the one hand, reduce the rate of return can reduce the platform operating risk, looking for safer high-quality assets; on the other hand, reduce the cost of financing is to improve the market competitiveness of the asset side, broaden the channels and business types. “High return must be corresponding to the high cost of financing, the downward economic cycle, the high cost of financing will make the borrower bear enormous pressure, difficult to carry out normal operation, even rush into danger of illegal operation.” In his opinion, in the financial triangle, income, security, the existence of a total equilibrium state, strengthen the unilateral one, will affect the other two, high-yield products can only be filled by a long period of time or low security. In the premise of certain period, income and risk will be proportional to the high returns must be accompanied by high risk. In addition, investors need to pay attention to is that the high rate of return is not protected by law. Yunnan eight Qian law firm Liao Ying lawyer “Securities Daily” reporters, the status of P2P net loan platform in law belongs to the intermediary, the financing and investment of brokered financing information. P2P net loan platform financing products belong to private lending behavior in legal nature. On September 1, 2015 the formal implementation of the “Regulations” the Supreme People’s Court on Several Issues concerning the trial of the case law applicable to private lending regulations “article twenty-sixth of the loan interest rate does not exceed the agreed annual interest rate of 24%, the lender requests the borrower interest payments according to the agreed interest rate, the people’s court shall support. The two sides agreed borrowing rates are higher than the annual interest rate of 36%, more than part of the interest agreement is invalid. The borrower requests the lender to return the paid more than the annual interest rate of 36% interest on the part of the people’s court shall support.” She explained to the reporter, this provision means that private lending interest rate of 24% is part of the protection of the law; the annual interest rate of 24% to 36% as part of the natural obligation, the creditor may enjoy the borrower is willing to return, the borrower does not return the creditors cannot require the debtor to pay through legal channels, but if the debtor has the payment is completed, the debtor to request the refund; annual interest rate of more than 36% part is invalid in the law, the first law does not protect the excess interest rate. Secondly, even if the debtor has paid part of the interest, can apply to the court to require creditors return the excess interest or principal allowance. Therefore, suggested that the investor investment products in the understanding of basic legal provisions on private lending rates on the selection, and clear legal recognition attitude to different interest rates.” steel chamfer

The Ministry of human resources and social pension trust investment operations: the fastest start during the year

The Department who will pay close attention to revise and improve the relevant supporting policies, formwork accessories seek advice throughout after the formal implementation, to ensure that this year started investment goals on time – reporter Sun Hua “At present, relevant departments are studying the supporting policies and measures to develop investment measures, these supporting policies, provinces and autonomous regions can be started by investment program, the local pension fund commissioned by the national social security fund investment, progress fast, you can start the year.” Department spokesman Li Zhong yesterday at the Department held a news conference the fourth quarter said. Li Zhongqiang, the investment is not equal to the “market” and “the starting time of entrusted investment into” the time can not be equated, investment measures also stipulates that pension fund investment can have bank deposits, bonds, stocks, funds, pension products, major projects, major projects, enterprise restructuring and listing 20 A variety of products and channels to invest in the stock market is just one kind of choice, at the same time, the pension fund investment in the stock market is the main market institutions entrusted by the operation, according to the market conditions to determine the stock trading, the government does not directly operation. For the recent market that “since the January crash, is to create conditions and opportunities for the pension market, Li Zhong explicitly pointed out that the market rumors do not accord with the actual. The pension fund is the people’s life of money, to ensure the safety of fund is always our first consideration, the fundamental purpose of the market-oriented investment operation is to increase the value of the fund. The pension insurance fund as one of the many participants in the capital market, the stock market regulator does not assume the functions and responsibilities, but there is no such effect. Similarly, the capital market is not for the pension insurance fund to provide special channels, to make special arrangements. According to the provisions of the “measures” and the investment management of the basic pension insurance fund, pension fund investment in the stock market also need to follow even bargain principle, and shall not damage the interests of small investors, if engaged in insider trading, the use of undisclosed information trading, market manipulation and other illegal acts will be dealt with according to law. Li Zhong explained that the Ministry of human resources in promoting basic pension investment operations work. “Last August, the State Council issued the” measures “investment of basic old-age insurance fund management, after department in conjunction with the relevant departments to set up a working group to develop a program of work, clear the specific tasks, division of labor and time requirements, focus on investment contracts, fund collection transfer supporting policies and financial accounting rules and procedures the investment risk management policies, information disclosure and reporting system and other measures to actively promote the work. At the same time, the Ministry of human resources and actively contact with relevant provinces, understand the intention, plan, commissioned commissioned time arrangement, docking work and local.” Li Zhong said. “The next step in the Department who will pay close attention to revise and improve the relevant supporting policies, seek advice throughout after the formal implementation, to ensure that this year started investment goals on time.” Li Zhong said. In addition, Li Zhong clearly said: “the media reported that there are 80 billion yuan pension misappropriation, I can say that this is a misunderstanding.” According to the 2014 national social insurance fund annual report data released by the Department, in 2014 the national urban basic pension insurance fund total expenditure 21755 billion yuan, of which the basic pension expenditure is 20950 yuan, Medicaid spending 1 billion 100 million yuan, funeral subsidies for 51 billion 900 million yuan fee, transfer expenditure 23 billion yuan, other expenses 4 billion 500 million yuan. “These five numbers, in addition to the pension expenditure, the other four subjects spend together is part of recently reported by the media for the basic pension payment outside of 80 billion yuan.” Li Zhong pointed out that the current pension expenditure accounts are clear, each fund spending direction is clear, is in line with the provisions of the financial management of social insurance fund, not be used for other purposes, funds unaccounted for. swift lift anchors

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