勞保年改不改 2026破產 - 股票
By Emily
at 2020-06-29T12:21
at 2020-06-29T12:21
Table of Contents
其實解決問題的方式只有一種
甚麼多繳 少領 延後退那都是不切實際的
勞工數這麼龐大,敢這樣改,改的政黨以後還要不要選舉?
唯一的方法就是舉債支應,反正台灣政府債務站GDP比例這麼低
還不到50%
舉個10兆台幣也不過讓政府債務佔GDP比例到100%上下而已
日本200多%上看300%的都沒再怕了,舉債下去就對了
而且政府公債殖利率低到爆,10年期債券殖利率才0.45%
不借是棒槌
後遺症可能就
1.通膨吧(也不一定,日本債務這麼高也沒啥通膨)
2.台幣貶值(也不一定,說不定其他國家更會印鈔,台幣還貶不下去)
這才是唯一解
※ 引述《a0935030665 (死萊姆)》之銘言:
: 很多人以為的破產是缺個幾十億幾百億
: 頂多一兩千億而已吧
: 不知道各位有沒有看過勞保的精算報告
: 這是估算出來的現金流量表
: https://i.imgur.com/RAVKtwA.jpg
: 數字很多很複雜
: 其實很多都不用管
: 期末餘額那個也不準
: 因為他把負的投資收益直接算上去
: 我們就很簡單看保費收入跟給付的小計就好
: 就是最基本的收入和支出
: 可以看到現在已經開始短缺了
: 雖然這是105年的報告
: 不過可以上勞保局看最新的報表
: 的確已經短缺了
: 不用多久
: 後年開始就是用千億來計算
: 15年後的124年突破5千億
: 接著是6千億、7千億
: 看完這數字後
: 誰能告訴我這要怎麼補?
: 政府一年撥200億?
: 增加預算直接補上去?
: 靠投資收益?
: 就算借錢借個1兆、2兆
: 5千億要多少的投報率才能達到?
: 玩妖股嗎?
: 這已經是保費提高、延後退休年齡後的結果了
: 事實上要保費翻倍加上退休金砍半才能穩定
: 不然都只是延後幾年而已
: 但不管是哪個都幾乎不可能
: 尤其是漲保費
: 勞工連新聞都還沒看到
: 資方馬上就先跳出來跟你拼命
: 勞保資方可是要負擔7成
: 9%漲到12%就快受不了
: 這麼挺資方的政府會翻倍?
: 現在再怎麼補救都是把錢丟無底洞
: 最好的方式就是放棄直接成立新基金
: 但這更不可能
: 所以最好的方式其實是不管他
: 偶爾做做表面就好
: 反正破產至少是下一任的事情
: 炸彈傳出去就好
: 我就坐著吃爆米花看未來10年政府要怎麼表演
--
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