エントリー個別記事

産めや増やせやの年金改革

  • 2006/01/01 05:08
  • カテゴリー:政治

Wed, 24 Aug 2005 23:42:56

テレビをつけると世間は「選挙、選挙」で盛り上がっています。
発端は自民党の内紛ということで自民党ばかりがクローズアップされていますが、各党共にそれぞれ皮算用を働かせているようです。

そんな中、どっかのテレビ局が(どこだか忘れた)有権者500名に選挙に関連してどんな項目に関心があるかのアンケート調査を行ったところ、ダントツの第一位は「年金改革について」でした。

でも、あんまり「年金改革について」を喋る議員はいませんね。
有権者の関心と選挙に勝ち抜くことは別物ですからねー。あーやだやだ。

各党共に「年金一本化」とは言うものの、実際に「あー、それなら大丈夫そうだな。」と、思えるような案は出てきていないというのが現実です。

年金改革、、、あなたならどんな年金システムなら安心して支払いますか?

こりゃ、むずかしいですねー。
一旦、金を集めて、再分配というのはどんな仕組みにしたって効率が悪い。
よっぽどうまく運用して事務経費くらいはまかなわないと、集めた分よりも少なくなるのはあたりまえですから。
ということは、究極の合理的選択は「廃止」ということでしょうかね?
しかしねー、それも極端な話で。

こんなのはどうでしょう?
今の年金制度を一旦破綻させて、一から作り直すというのが前提ですが。

自分の支払う年金額が自分の親の受取額になる、というルールで運用します。
つまり、その人の子供が支払う額だけ、年金がもらえるという仕組みです。
(今のままでは一人の若者が数人のお年寄りを養うようになってしまうわけですから、それに比べたら支払う人にとっても大きなメリットがあります。)
運営費については、独立行政法人か何かを設立し、基金運用益で運営していくことにすれば、集めた金が目減りすることも少ない。

子供がたくさん年金を支払っている人は、自分も年金をたくさんもらえる。
あるいは子供がたくさんいる人は、子供達の支払った額の総額がもらえるのでたくさんもらえる事になる。
支払う方としても、自分の親が受け取るのであれば、支払うのが嫌だという人も減るではないでしょうか。

では子供のいない人はどうするのか?
この場合は年金を受け取れません。

ま、今の世の中、子供一人を育てるのに数千万円はかかると言われているのですから、子供がいない人は、その分、金銭的にも恵まれてきたわけで。
生活ができないとか、というレベルの場合は別の生活保護などの政策で対応すれば良いのです。
(生活保護も、仕事のできない老齢の方や障害者には手厚く、好きな仕事がみつからないから働かない とか、そーゆーわがままな人には、薄くしか支給しないよ。)

これで少子化問題も一気に解決だー。
こんな制度なら、10人兄弟の家庭を築けば親としても老後は安心ですねー。
(人口減少はイコール国力低下につながるのですから、国はもっと真剣に考えねばいけないのにねー。)

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Up North Pu - Portamonete. 11 cm. Marrone (Marrone) - BWUIF1

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Damen Ashland Bubble Halbschuhe

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Un Darcey - Berretto da balletto. da donna

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Ibiza Home 306. Zapatillas de Estar por casa con talón Abierto para Mujer

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Court Graffik Se. Chaussures de Skateboard Homme

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ME0907A9I Beatles Blu Da Bambino ME0907A9I.B

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Damen Medium Mittelgro?e Crossbody-Tasche-Octr

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FC10 Sabots. Mules. Chaussons en Cuir de Qualité Supérieure Femme

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95891-35 Damen Halbschaft Stiefel

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Piacenza Shoulder Bag S. Borsa A Tracolla da donna

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Fiber Optic Distribution Box

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Boiler Electrical

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Crown Skull Slip on Mocassini per donne ragazze moda tela piatto scarpe barca

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Nanjing University of Information Science & Technology

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Nanjing University of Information Science & Technology https://www.eastjuntai.com/universities/nanjing-university-of-information-science-technology.html

Black Marble Mosaic

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Herrentasche braun echt Leder Herren - 016579

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