22% of employees in Nanjing have not used provident fund, and over half of medical expenses are paid by themselves

Nanjing has 2.369 million families, and people's livelihood policies have a huge impact on each family Recently, Nanjing population and Family Planning Commission released the research on the impact of some people's livelihood policies on family development, pointing out many disadvantages of the current policies, such as the small coverage of housing provident fund in Nanjing, and 22% of the employees have never withdrawn and used the provident fund, while the medical insurance policy and personal income tax The system is not conducive to the development of families It is suggested that the relevant departments in Nanjing re-establish the "family welfare" policy system from the perspective of families More than half of the medical expenses still have to pay for their own medical treatment, which is the "big head" of family expenses The current medical security system makes many people directly sigh that "there is no disease" According to the survey, the out of pocket proportion of insured patients in Nanjing is more than 50%, while the Ministry of human resources and social security put forward that "the proportion of average medical expenses shared by employees is more appropriate at 25%" The report was commissioned by experts from Nanjing Institute of population management cadres According to the analysis of experts, the proportion of hospitalization reimbursement expenses within the scope of medical insurance for Nanjing employees and residents reached 88% - 94% and 50% - 60% respectively However, for individuals participating in urban medical insurance, in addition to paying 2% of their own salary, it also includes the personal expenses formed by the starting line and the self payment ratio in the hospitalization expenses, the personal self payment expenses of employees whose hospitalization expenses exceed the top line, and the insufficient part of the personal account to pay the outpatient medical expenses of that year As a result, the quality of family life will be greatly affected In addition, the increasing medical expenses will seriously affect the family's willingness to consume "The current medical insurance system in Nanjing considers too little family factors, which is not conducive to family development." Experts said that in addition to the medical assistance for the families with minimum living allowances, the medical insurance system in Nanjing is based on individuals, without considering other members of the family If some members of the family can not enjoy the policy because of unemployment, they will face greater economic pressure, and even lead to the risk of poverty caused by illness In this regard, experts from Nanjing Institute of population management suggest that we can learn from the successful experience of some countries, such as Poland Since 1999, according to the law of the people's health insurance, we have implemented the reform of the national medical insurance with the family as the unit As long as the employees pay the medical insurance fund, their families will become the holders, enjoy the medical insurance services, and increase the anti risk ability of the whole family 。 22% of the employees did not use the provident fund in Nanjing, but the housing provident fund coverage is small, so it is difficult to benefit a large number of low-income families According to statistics, although about 22% of Nanjing's employees have paid the housing fund, they have never withdrawn it for use, and more than 80% of their monthly income is below yuan According to the data released by Nanjing housing accumulation fund center in March 2012, more than 1.73 million people in the city participated in the housing accumulation fund, compared with 4.6834 million employees in Nanjing at the end of 2011, which means more than 2.95 million people did not have housing accumulation fund, accounting for nearly 63% Experts from Nanjing Institute of population management think that the provident fund system excludes four parts of people from the system, including employees of small-scale enterprises and most individual enterprises, employees of difficult enterprises and a considerable number of laid-off workers, "no unit" urban residents (including self-employed households) and migrant workers working in cities Experts believe that there is a phenomenon of "robbing the poor and helping the rich" in the provident fund system The housing accumulation fund adopts the policy of "saving more and lending more, saving less and lending less, not saving but not lending", which makes the high-income groups pay more accumulation fund and enjoy more preferential loans, while the low-income groups pay less and withdraw less due to less deposit The working class should pay taxes according to the family declaration Experts believe that the collection of individual income tax is based on individuals, which is not conducive to family development Different families need to pay the same tax to support different people, which is against social equity International practice is to declare individual income tax by family For example, in the United States, there are five kinds of declaration status of regular personal income tax, namely single declaration, joint declaration of husband and wife, declaration of bereaved family, separate declaration of husband and wife and declaration of head of household "The scope of individual income tax is unreasonable and unfair to working families." Experts said that the "main force" of personal income tax collection should be high-income people, but the current situation is that the middle class relying on wages and salaries has become the main source of personal income tax collection, because the income of the working class is "transparent", and the gray income situation of high-income people is difficult to grasp According to the data, the proportion of personal income tax revenue of wage income items in personal income tax revenue has increased to 63%, while the contribution rate of "other tax items" covering high-income groups, such as income from contracting and leasing operation, income from labor service and income from contribution, is only 11% On the whole, the establishment of the family welfare policy system from the family perspective in Nanjing has not yet formed, the welfare policy-making lacks comprehensive consideration of the family level, the micro interests of the family and the macro interests of the state have not been taken into account, and some policies are not conducive to improving the family welfare or promoting the overall development of the family.