This question is actually a very simple question, but in modern society, it takes time to write an article to explain it, and it is a problem that 90% of people in the world do not understand.
The reason is very simple, there is a ** pension system in the world, that is, it only started at the end of the nineteenth century, and human society at the end of the nineteenth century did not exist?Of course, there is, and no pension would have been the norm.
However, after Bismarck invented the social pension insurance system, it has been popular all over the world for more than a hundred years, so much so that everyone feels that if there is no ** pension, that day will collapse.
Let's assume that one day, what would happen if one day suddenly a country abolished the social security system, and everyone stopped paying social security and everyone stopped receiving pensions?
Outcome 1: Older people go to work
When the elderly go to work, will it bring unemployment?This is the most widely rumored fallacy in the market, they say that now the big factories can't find a job at the age of 40, and the elderly will compete with them for job opportunities, won't it make more people unemployed?
The absurdity of this fallacy is jaw-dropping.
According to the above logic, the fewer births in China, the better, because if there are fewer births, there will be no one to take other people's jobs, and the unemployment rate will be reduced.
It can also be inferred in this way: What should we do in the face of unemployment, expand the recruitment of civil servants, and expand the recruitment of 100 million people, won't it solve the problem of unemployment?
This fallacy needs to be refuted from three perspectives:
In the first step, the addition of a working population in any region will expand the total production of the region, and the more people who produce, the greater the overall production of the society, which means that the total wealth of the region has increased, that is, prosperity.
A city, constantly absorbing foreign population, will bring prosperity to the city, such as Shenzhen's prosperity index, depending on whether its population is a net inflow.
A sudden increase of 100 million people in the job market means that 100 million people are joining the market to produce, which is a good thing for the whole world, and everyone will benefit from it.
Because before that, they were civil servants who didn't do any work, and they lived on ** appropriations. Now that he is not a civil servant, he does not pay them taxes, and they become workers, waiters, and drivers, isn't it a great thing?
Otherwise, why do we call every day for a reduction in civil servants, but not for a reduction in couriers?It is because the civil servant earns ** from taxes, and the courier ** from the market ** his services.
Increasing the labor force at any time, in any region, is a great thing. Otherwise, why would the United States become the world's most prosperous region by opening up global immigration?
Labor is an indispensable element in the production of all economies, and no one talks about economic development. Therefore, in the industrial and commercial society, it is a good thing to increase the number of employed people.
In the second step, young people do not pay social securityThis means that young people have increased purchasing power, they can buy more services and products, and their available wealth has increased.
The essence of social security is taxes, is it good for you to pay less taxes?If it is not beneficial to you, why are many people dissatisfied with the 5,000 yuan threshold and asking for an increase?
If paying more taxes is good for the economy, then why not pay all your income into taxes?The most prosperous places in the world tend to be low-tax areas.
Social security tax is a type of transfer payment in which he transfers one person's income to another. If that's a good thing, then the robbery should be a good thing. Robbery is not about robbing your money into the hands of robbers.
It has been said that forcibly transferring the income of the strong and the young and powerful to the elderly is doing good.
If so, then you should encourage all the weaklings you see as robbing instead of producing.
The consequence of forcibly transferring a person's income is that the person's motivation to produce is drastically reduced, and I could have earned 8,000 a month, but as a result, 3,000 was expropriated.
Then my motivation to work hard is not strong enough, because part of the income from production has to be given to others. At the same time, many of his desires to consume are not satisfied, and he suffers as a result.
The allocation of resources in the whole society will also be disordered, there should be more products to meet the needs of young people, and as a result, a large number of resources have been allocated to travel agencies and cultural tourism industries to meet the tourism and residence needs of the elderly.
At the same time, he also changed people's time preferences, and the elderly with a fixed income, no longer save, but spend a lot of money for consumption, which is spent this month and will be there next month.
Young people have a longer-term goal, they would have saved the money or invested it in the future, but the money is being spent in the present, thus reducing the capital stock of the whole society.
And only capital is the element of future production, India has no shortage of people, no shortage of land, what is missing?Lack of capital. Only the combination of capital and labor factors can create economic development.
Clause.
Third, there has never been long-term unemployment.
For a person to consume, he must need to produce. Without production, it is impossible for him to consume. And labor and land are scarce resources at all times, and their value cannot become zero.
That is, at all times, labor is worth money, it is just a question of how much it is worth.
As long as a labor force wants to work, there are always unlimited opportunities waiting for him, and in different economic environments, what awaits him is different wage rates.
A few years ago, I was debating with a netizen who said that I could arrange jobs for 10 million people on the condition that his salary expectation was only 800.
As long as China's borders are open and foreign capital is welcome, then a lower wage rate will definitely attract more capital to come in, and in turn, more capital will come in, so that the wage rate can rise step by step.
On the first day, the second day, or the first week of a person's expulsion, it can be said that he is unemployed, but then, when he loses his job again, he must be active.
It's because he can't find a job in the market that matches his heart's desire, not that there is no job offer.
Therefore, the entry of the elderly into the workforce will not bring anyone unemployed.
If so, will there be a massive reduction in civil servants?No. Will a lot of disarmament be?No, will there be a large number of immigrants?None of them.
On the contrary, the result of the demobilization of a large number of military personnel after World War II was the rapid economic prosperity of Hong Kong, and Hong Kong's absorption of a large number of mainland refugees who fled Hong Kong in the sixties and seventies brought about Hong Kong's economic prosperity. Shenzhen's transformation from a small fish village to a super city is the result of absorbing population.
Unemployment is not a problem at all, it is the problem that there are countless people who can get money without working.
This brings us to a broader fallacy.
Many people think that when a person is old, he has to rely on young people to support him, and no matter what, one day he will not be able to work, and at this time, who will support him?son, or ** help him find a group of "sons" - social pension insurance.
This is also completely wrong.
Everyone can support themselves. The upbringing and education expenses that parents pay for their children are his pension reserves. It is possible that he did not have any savings in his old age, but he should certainly enjoy the support of his son when he paid for the upbringing of his children.
You raise me young, and I raise you old. It is an emotionally charged exchange relationship between parents and children.
If a person can't work, it doesn't mean that he doesn't have savings, his children are his savings, but this savings sometimes has a certain risk.
If a person has no children, he can also predict what will happen if one day he gets oldThen save cash.
Money can buy any service, and those who are well versed in the world will know that if you have savings, your son is less likely to honor you.
In an environment of honest money, people can balance their spending throughout their lives and support themselves when they are old. It's just that fiat inflation has eliminated this pathway.
So how did the peasants in ancient China provide for themselves?Some hard-working peasants, they reduce consumption, actively save, and then buy land, most of the ancient Chinese landlords, they were extremely frugal all their lives, just to keep buying land.
However, in Europe and the United States, where property tax and real estate tax are levied, they have also been eliminated for retirement in this way, not to mention China, can you buy a piece of land?Of course, China is better, at least there is no property tax, and buying a house in a big city earlier can have a saving effect.
It's not that people can't provide for their own pension, but the visible way of pension, in a world where fiat currency is rampant, real estate tax, land tax, land control, ** control, you can't find the best way to provide for the elderly.
Those pensioners who try to find another way often become leeks in the hands of **, such as investing in various financial management, participating in various capital plates, and often being washed in blood in the end.
In a free market, excluding emotional needs, the elderly can buy cheap labor on the market to serve him, regardless of his ability to take care of himself, as long as he has savings.
For example, the salary of Indians is only 1,000 yuan a month, and the salary of Myanmar Laotians is only a few hundred yuan a month
But this road is also blocked, and low-income foreigners are not allowed to come to China to work. I think back then, Indian Ah San was the best maid in Shanghai, as a driver and a doorman, and he did a good job.
Now you have to hire a full-time nurse, 5,000 yuan is the price in small cities, and 8,000 to 10,000 yuan in big cities.
The old man went to work, nothing. It is normal for a person to take responsibility for himself at any time in his life, and it is not strange that the elderly in rural China live like this.
Rich old people, can not work, this is also normal, people usually save money, work hard to save, old age and a little more leisure, shouldn't it be?
Seeing the elderly in rural areas working all their lives, I don't pity them, they work more because they cherish their children, and don't want their children to spend too much money to support them, as long as they can still work, they will continue to work.
But the old people in the city are not satisfied with their pensions, and they are still comparing with people who get more than them, which I despise immensely. It's just a comparison between the privileged, a Kshatriya's resentment against the Brahmins.
I was angry when I saw the children of the elderly in the countryside working in the city and still paying high social security fees, and sometimes, there was nowhere to vent this anger. I even hope to have a dual system of urban and rural areas in social security, where parents are rural people, and their money is handed over to the rural pool, instead of becoming the first of the urban pensions.
Many urban intellectuals have expressed sympathy for the peasants, believing that they should also be given more money, but there is only so much money in the pool, and if they really want to give them more money, the result will be that everyone will have to lower it. If it is now agreed that all Chinese will retire, regardless of occupation or status, and only 800 per person will be paid a month, they will immediately throw this sympathy to the back of their minds.
In the face of the loss of profits, their so-called sympathy is actually false, and even they are the ones who actively promote the expropriation of the peasants. This is because the peasants have never asked for a pension, and it is the intellectuals in the cities who actively promote the pension system.
The current situation is that countless people are scolding Peng Xizhe on the Internet for advocating delayed retirement, but there are no farmers in it.
True fairness is not to send out as much money, but to return to the market and take responsibility for themselves at all times, and no longer deprive each other of them through various transfers.
More importantly, stop the over-issuance of fiat currency, stop the currency depreciation, and allow people to retire themselves through savings.
If one day, all the old people lose their pensions, and the young waiters in the hotel can no longer be seen, and you can only see all the old people, then it will become a normal area, and I think that China can be prosperous at this time.
Square dances, violent groups, and elderly tour groups, this is just a temporary glory and will not last long. Peng's call for a postponement of retirement is of course wrong, but the fact he points out is clear: it is untenable.
This is a problem that almost any junior high school graduate can understand, there are more and more elderly people, and there are fewer and fewer young workers
Peng Xizhe's advocacy of delayed retirement has been miserable on the Internet, and I hope to cancel everyone's pension, I don't know if anyone scolds me.
But in any case, if you are not yet forty-five years old, be prepared to take responsibility for yourself. If you want to learn from this generation in the future, it will be difficult to dance square dances every day and travel everywhere when you are in the prime of life.
They are "miracles" in the history of mankind, destined to be short-lived and impossible to replicate.
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