Men and women eating in the courtyard

If Li Xuewu is sick, what expenses will be incurred when he registers, sees a doctor, or stays in the hospital?

Yes, there must be expenses. Public medical care does not mean full medical insurance.

As for the one-sided historical statements and life experience, they cannot be fully trusted.

It cannot be denied that some units have better welfare compensation or insurance subsidies, and this situation cannot be generalized.

The current urban medical insurance system has undergone three stages of reform.

That is, the "Hua Min Labor Insurance Regulations" promulgated by the State Council in February 1951 marked the establishment of the labor insurance system for urban enterprise employees in China.

In 1958, the State Council promulgated the "Interim Provisions on Retirement Treatment of Workers and Employees (Draft)", which is the so-called pension insurance.

In February 1969, the Ministry of Finance issued the "Opinions on the Reform of Several Systems in the Financial Work of State-owned Enterprises (Draft)".

The order of reform in the above three periods.

What Red Star Factory and other industrial enterprises are currently preparing and experiencing is the third labor insurance reform.

Is it complicated?

It is very complicated, a process of change from nothing to something, from something to excellence.

The last reform of the labor insurance system has continued to the later generations.

Then again, what medical preparations and steps should Li Xuewu follow when he goes to see a doctor?

From the first period, that is, after the establishment of labor insurance, we must first judge from Li Xuewu's identity and treatment characteristics.

Li Xuewu is a cadre and is uniformly managed by the Personnel Bureau, so he and his family should obtain a "Public Medical Certificate".

With this certificate, he can go to the designated hospital for treatment, and the medical expenses and medicines will be recorded, and the hospital will reimburse the finance department.

However, the registration fee and hospitalization fee must be paid by himself.

If Li Xuewu is an ordinary worker managed by the Labor Bureau, then the labor insurance medical care will be managed by the unified management, and most medical projects will be free.

This is the medical security situation of urban enterprise employees in the early stage of the establishment of the "Labor Insurance" system.

The promulgation of the "Labor Insurance Regulations" also marks the establishment of the labor insurance system for urban enterprise employees in China.

There are three characteristics:

(1) Labor insurance covers all types of enterprises, but later, due to the pursuit of "one big and two public" in the ownership structure, labor insurance gradually became a privilege of state-owned enterprises;

(2) Enterprises must pay 3% of the total wages of employees as labor insurance premiums on a monthly basis, of which 30% is paid to the All-China Federation of Trade Unions as a labor insurance pooling fund, and 70% is deposited in the grassroots committee of the enterprise trade union as a labor insurance fund;

(3) Since the labor insurance system is a supplement to the low wages of the planned economy, it provides a more comprehensive protection for enterprise workers.

In contrast, the social security system of government agencies and public institutions was established in the form of promulgating individual regulations.

Red Star Factory does not belong to government agencies and public institutions, so I will not elaborate on it here.

So what has changed in the second stage of the labor insurance system reform?

First, pension insurance has changed from separation to unification.

Before 1958, the urban pension insurance system was divided into enterprise employee pension insurance and government agency pension insurance.

The two were established on different bases, and there are also differences in funding sources and benefits.

But this state of separation did not last. In 1958, the State Council promulgated the "Interim Provisions on the Retirement of Workers and Staff (Draft)".

It stipulates that the coverage of pension insurance includes workers and staff of all enterprises, government agencies, institutions and people's organizations.

This actually unifies the pension insurance systems of enterprises and government agencies.

Second, the separation of medical insurance.

The traditional urban medical insurance system mainly includes public medical care and labor insurance medical care.

That is, as mentioned earlier, which reimbursement channel Li Xuewu needs to go through for medical treatment is divided according to identity.

Some readers said that there were differences in the discussion about how their elders enjoyed medical care in that era.

The differences here mainly come from differences in identity and differences in unit subsidies.

The personnel managed by the Personnel Bureau and the Labor Bureau enjoy different treatments.

Among them, public medical care is mainly for government agencies and institutions, and labor insurance medical care is mainly for enterprise employees.

The two are also different in terms of funding sources and management.

However, with the increase in the number of people covered by the system and the basic implementation of free medical care, the problem of rising costs has become more and more serious.

The country has made some changes to this, but the effect is not obvious.

As the main unit, Hongxing Factory is responsible for the management and operation of the labor insurance and medical system, and has the right and obligation to maintain and ensure that this system develops in a better direction.

Therefore, Li Huaide and other factory leaders should set aside a meeting time to discuss and study this issue.

Third, two work-related injury insurance systems.

The traditional work-related injury insurance system is also aimed at enterprises and government agencies and institutions.

The work-related injury insurance system for enterprise employees was established in accordance with the "Labor Insurance Regulations" and is a component of the labor insurance for urban employees.

The regulations on the work-related injury insurance system for government agencies and institutions were first seen in the "Provisional Regulations on Commendations for Casualties and Injuries of Revolutionary Workers" promulgated on December 11, 1950. Later, after three revisions, the standard treatment was gradually improved.

The above analysis of the "Labor Insurance Regulations" shows that as early as the first decade after the founding of the People's Republic of China, the insurance system for urban enterprise employees had been established.

Pension insurance, medical insurance, and work-related injury insurance.

Among them, pension insurance was the first to be unified, and medical insurance and work-related injury insurance have been divided into enterprises and government institutions.

Which insurance is better for enterprises or government agencies?

Ask the old man if he is assigned after graduation whether he would like to go to a company or an institution, and you will have the answer.

In essence, the social security system established by the "Labor Insurance Regulations" is a "state-enterprise insurance" system model.

That is, the state is the main body of implementation and management, and the state and enterprises jointly bear the costs, thus forming a social security model integrating the state and enterprises.

Its main features are:

(1) Large coverage and comprehensive protection.

According to statistics, the number of employees enjoying labor insurance benefits in 1956 was equivalent to 94% of the total number of employees in state-owned, public-private joint ventures, and private enterprises that year.

At the same time, since the labor insurance system is a supplement to the low-wage system, it provides urban residents with a "cradle to grave" security program.

(2) Enterprises are dependent on the state, and the state bears unlimited liability.

This has been changed in later generations, and I believe everyone knows that there is no such thing as an iron rice bowl.

The grave has no regard for you, do you think young people still need to prepare a cradle?

Not giving birth has absolutely something to do with the system.

(3) Integrate trade union management, state coordination and enterprise insurance.

In specific implementation, 30% of the labor insurance premiums paid by enterprises are managed by the All-China Federation of Trade Unions, which is in fact coordinated by the state.

The remaining 70% is managed by the grassroots trade union of the enterprise and used within the enterprise. It is actually a kind of enterprise insurance.

When the development of labor insurance reaches this point, there is actually a problem.

Li Huaide wants to win over people's hearts quickly and establish absolute management belief and reputation.

And what is the most effective and fastest way to unite beliefs and enhance reputation?

That is to improve welfare benefits.

When one day, your boss informs you that there will be no salary increase this year, there will be a cry of mourning.

But the boss said again that starting from today, the company will cover all employees’ medical care, pension, child care, transportation, communications, living expenses, etc. Do you want to give your boss a thumbs up?

What's the point of asking for a salary? Earning a salary is just for living. Now the company takes care of all your life. The salary is more or less, and it's enough to have a little pocket money.

What Li Huaide wants to do now is to quickly improve the mass base.

It’s not just Li Huaide. Since the launch of the Great Learning Campaign, other companies and factories have undergone changes in their management.

Once people go up, whether they can sit firmly or not is another matter.

What they want to do now is to stabilize their own butts and not hesitate to overdraft the life of the company.

What are the advantages of the “state-enterprise insurance” model?

Even if there are people who protect the company, no matter how many workers there are, they will not be afraid. Even if the factory closes down, these workers can still enjoy the benefits of the insurance system.

Do you think future generations will be like this too?

Wrong, totally wrong.

The insurance system of later generations is social insurance, which is not as reliable as the current insurance system.

Regarding social pension and medical insurance, are you worried about not being able to receive insurance benefits until you die?

There is no need to worry now, and retirement security is much higher than social insurance.

Readers who don’t believe it can ask retired cadres in their 70s or 80s. Some of them are still enjoying the insurance system of that year.

As mentioned earlier, who manages the insurance?

Union management, state coordination and corporate insurance are combined.

However, only 30% of what is handed over to the National Federation of Trade Unions is coordinated, and the remaining 70% is managed by grassroots trade unions in enterprises.

Just think about it, this part of the money is in the hands of the company, that is, Li Huaide, and he can use it however he wants.

The first is to withdraw labor insurance funds and use them for other purposes, either to plug financial holes or to make up for office and production holes.

The second is the company’s retired employees, long-term illness wages and other labor insurance expenses.

Labor insurance should be managed by the factory union, but the leader of the factory union takes the lead in treating long-term patients. Do you think this is a big problem?

If the reform time of Red Star Factory is synchronized with the changes outside, I am afraid that the hole in labor insurance will be bigger by now.

It is impossible for Li Huaide to start working on labor insurance now.

The Red Star Factory is an oddity within the overall corporate insurance management system.

Jing Yunong and Gu Weijie were very foresighted and had been suppressing this part of the funds and not allowing them to be used arbitrarily.

Even when Red Star Factory wanted to build a residential building, it didn't use a penny here.

This is the money bag for medical treatment and pension for the employees of Red Star Factory. Anyone who touches it will be stigmatized for the rest of his life.

Some people are not afraid of being scolded. Anyway, this part of the money is idle. There is income every year, and there is not much pressure on employees to retire and provide for themselves.

So, these people started Hu Hua Hai Hua.

There are those who do business, develop factories, promote production, etc.

After making money, the holes were filled again.

But just think about it, in the era of planned economy, there were a few people who could overtake in corners like Red Star Factory and make a lot of money.

Especially after entering the 1970s, we encountered market changes and everything was completely ruined.

After the sea recedes, there is a large area of ​​​​the beach, all of which are naked.

This kind of behavior has caused a serious blow to the current enterprise insurance system, and the result is to promote the change of labor insurance to the third period.

In February 1969, the Ministry of Finance issued the "Opinions on the Reform of Several Systems in the Financial Work of State-owned Enterprises (Draft)".

Among them, it is clearly stipulated that "state-owned enterprises shall stop drawing labor insurance funds" and "enterprises' retired employees, long-term illness wages and other labor insurance expenses will be expensed outside of operations."

This regulation degenerates the "state-enterprise insurance" model into a single "enterprise insurance" model.

The labor insurance system became the internal affairs of each enterprise and continued until the opening up in the 1970s.

What's the meaning?

It means Tian doesn’t feel hurt when he sells his cub, right? Well, let’s separate our families!

Corporate cadres and employees are responsible for writing off insurance claims on their own. If you do, you will fail to do so. If employees don’t have money to pay for medical treatment, you will tolerate it.

Did Li Huaide know that this change was coming?

I don’t know, including all the factory leaders of the Red Star Factory, so today’s meeting was held.

But not knowing doesn't mean that you can't feel it. Anyone who works in organizational and financial work will definitely know this risk.

Will you spend your family's guaranteed savings? ——

"There are three main opinions. Let's discuss them."

Li Huaide communicated with several leaders in private, and the opinions were not very unified.

Of course, he also asked Li Xuewu when he was in doubt.

But Li Xuewu's idea was more radical than his, and he was so excited that he almost lost control.

Finally, I called Zhou Miaomiao to come to the room to discuss the dance moves, which kept my mind clear.

"The first point is that in order to speed up the industrialization layout, corporate insurance funds will be temporarily used as support."

"The second point is to add labor security projects in order to protect and promote the welfare of employees."

"The third point is to increase the budget for retired employees, sick leave and other labor protections."

After Li Huaide finished speaking about the three points, he looked at the people around the conference table and emphasized: "I will focus on the third point, about retired employees."

"Our factory is currently undergoing changes in its personnel system, and a large number of employees have quit their jobs and given them to young people."

He pointed his finger at the conference table and said: "In the early stages of personnel changes, we have already made plans to retire a group of people."

"The issues raised now can be regarded as supplements and adjustments to this plan."

After Li Huaide finished speaking, he looked at everyone, waiting for everyone's opinions.

Cheng Kaiyuan glanced at the opposite side. Old Li would never do anything without asking Li Xuewu's opinion.

Privately, Li Huaide has asked for his opinions on these issues, and he is still relatively conservative.

It can be seen that Li Xuewu did not show a positive attitude, so he insisted on his opinion.

"Let me tell you. Director Li told me about this plan."

He crossed his hands, looked at several others and said, "This year's budget is under pressure. I think Comrade Yunong is not at home. If she were at home, she would definitely complain to everyone."

"Hehehe——"

The meeting was relatively relaxed. It was just normal work and did not involve personal interests. Everyone talked freely.

"Let me talk about the production side first. After all, the funding gap is relatively large." Cheng Kaiyuan gestured to Li Xuewu opposite and said, "Xuewu has already coordinated with him several times."

"I am still cautious about temporarily using insurance funds to make up for production gaps."

He said with a serious expression: "The relationship is too big. Once this hole is opened, I'm afraid we won't be able to stop it."

"Once a deficit forms, I'm afraid employees will have to react, and the higher authorities will also need to pay attention."

"Well, I did think of this and told Comrade Kaiyuan."

Li Huaide nodded and said: "Our management committee has two difficulties in doing things. One is that it is difficult to look at the top, and the other is that it is difficult to look at the bottom."

Everyone grinned, some nodded, and some shook their heads.

"I think it's still a matter of scale. The key is to grasp it."

He did not pay attention to Cheng Kaiyuan's objections, but explained: "How much is appropriated, where to use it, when to return it, and what to use to return it, must be formulated to regulate the plan."

"This can be discussed after we come down. Let's discuss the basic plan today."

Li Huaide replied to Cheng Kaiyuan and looked at the others, waiting for their opinions.

"Ahem——"

Xue Zhifu sat up straight, coughed and said, "Let me tell you about engineering, service and logistics."

"Everyone on the project side knows that we have made great strides this year and want to run forward, so the pressure on construction funds is also great."

He lowered his head slightly and looked at the document and said: "Except for the maintenance budget, which has not been touched, the engineering budget has already exceeded the standard. Let's not talk about that."

The reason for not talking about it is that most of the engineering investment and construction projects belong to the tertiary industry and joint industry, which are self-financed by the enterprises.

In other words, if Red Star Factory has money, it can build whatever factory it wants.

As long as the competent department passes the review and the local land resources review passes, there are no other restrictions.

When submitting the plan, since we didn’t even think about incorporating it into planned production, we didn’t even think about getting the construction budget from above.

Therefore, the only small part of the regular construction budget given above is not worth mentioning in a drastic infrastructure investment like the Red Star Factory.

To say that it exceeds the standard is small, but it can be said that it exceeds the standard twice.

"When I talk about engineering construction, it still involves the engineering team and the labor team."

Xue Zhifu smoked and drank tea all year round, so his voice was hoarse and he had to suffer from pharyngitis.

So just listen. When he speaks, he coughs and clears his throat after a few sentences, and takes a sip of tea after a sentence.

It’s not just Xue Zhifu who is like this. You see, most cadres who have been in leadership positions for a long time are like this.

Especially those who came from government agencies and had voices soaked in cigarettes and tea, none of them spoke loudly.

It seems that before Li Xuewu, his speech was like thunder, which was still rare among enterprise cadres.

Otherwise, everyone says that Li Xuewu is getting better and better. You see, he speaks in a polite manner now and rarely speaks loudly.

"In the first half of this year, the Red Star Factory expanded its construction team and labor team, and more than 8,000 people came to the engineering department."

He glanced at Cheng Kaiyuan and said, "In the past, I would have had more people than Deputy Director Cheng."

"Hahaha - now you are not as good as me." Cheng Kaiyuan smoked a cigarette and said with a smile: "I will have more than 80,000 people in my hands."

"Hahaha--"

Everyone laughed. This kind of comparison was like the two company commanders sitting together and bragging when they were recruiting teams.

"Not to mention 80,000 people, even these 8,000 people feel a lot of pressure on me."

Xue Zhifu glanced in Li Huaide's direction and said, "Both the construction team and the labor team are engaged in heavy physical labor. Comrades are very hardworking."

"It's midsummer now, so we can't stop thinking about winter."

He said seriously: "Furthermore, the team is expanding rapidly, and labor security can barely keep up, but labor welfare is still worse."

"I hope the factory can consider establishing a sound and complete labor protection system for the two teams."

"Well, this opinion is very pertinent."

Li Huaide nodded and said: "Comrade Xuewu mentioned it to me once about the safety and labor security system of the labor team and construction team, and it will be discussed this time."

He gestured to Li Xuewu and said, "Especially for safety production and labor, relevant systems have been formulated and plans have been issued, right?"

"Yes, the leader is designed and customized together with the managers and technical backbones of the two teams."

Li Xuewu responded and supplemented Li Huaide's words. He only told the facts and stopped talking after he finished speaking.

"The labor security system must keep up. After all, the labor team and engineering team are long-term key tasks."

Li Huaide tapped his fingers on the table, looked at everyone and said: "The engineering team must gradually become more professional and industrialized. In the future, a professional construction engineering team will be established. This cannot be shaken."

"The labor force, at least during the period of personnel changes, will not be smaller than the current size, so a complete security system must be established."

He said: "I have heard about it, and I have seen it with my own eyes. In the Steel City, the sun is shining, and the workers are doing construction."

"It's very hard. The personnel reform is not about throwing mud at people, but about using them rationally."

"Director Li, according to the current engineering team welfare standards, or..."

Gu Weijie held a pen in her hand and looked like she was going to record it at any time. She frowned and looked at Li Huaide and said, "My suggestion is to implement it temporarily according to the standards of the engineering team, and then come up with a plan, and then change it."

"Then as you wish, supplement this treatment first."

Li Huaide really wanted to have a career. He had no sense of distinction between family backgrounds and thought of the workers in the factory.

This is due to the fact that Red Star Factory quickly completed changes and personnel adjustments without causing too serious trauma.

The few people who had a grudge against Li Huaide have been dealt with, and now he has the final say in the factory.

The labor team is not used like this in other factories outside. It has a bit of labor education.

But this is not the case at Hongxing Factory. The engineering team is a formal establishment, and there are engineering and construction companies in the group system plan.

The labor team is not. The labor team is just a transitional unit that emerged in the process of personnel changes, institutional changes and industrial structure adjustments in the Red Star Factory.

There are many sources of people in the labor team, including those who were transferred due to technological and personnel changes in the workshop, workers who came in after mergers, those who had problems in large-scale study activities, or some workers who are actively progressing and actively transferred in order to earn more wages.

Yes, formal employees in the engineering team do not earn as much as those in the labor team.

For manual labor, not only were the food standards provided high, but the wages were also high. This time Li Huaide was a brave man under a heavy reward.

The speed of infrastructure construction is equal to the speed at which Red Star Factory can operate at full capacity to make money. Completing infrastructure construction as soon as possible means that Red Star Factory's factories can start construction as soon as possible.

Not all workers in the labor team are specialized in manual labor. After the reform is over, they can also control machinery when they return to the workshop.

Therefore, the meeting unanimously approved that the labor security system should be supplemented and improved for the engineering team and labor team.

Labor protection equipment, labor protection services and medical and health services all need to be kept up with quickly.

Thanks to Li Xuewu's suggestion some time ago, the Red Star Factory has vigorously recruited and recruited medical personnel, and now the factory hospital is very well-staffed.

It's a great time to put those medical staff down for exercise, especially orthopedics and emergency medicine.

"Where's Comrade Xuewu, do you have any objections?"

Everyone has talked about the three main issues, some implemented and some shelved. The issue of misappropriation of funds has not been settled yet.

Welfare protection has set several items, including welfare supplements for labor teams and engineering teams, adjustments to the security system for shipbuilders at Yingcheng Shipyard, etc.

In terms of retirement, sick leave and other labor protection, labor protection is implemented because the Red Star Factory has its own tertiary industry.

Although the clothing factory and the labor protection factory use old equipment, the scale of the combined factories of the United Industry is still very large.

Not only can it guarantee the supply of labor protection products for several factories, but it can also supply other enterprises. It is the most profitable tertiary industry.

The current problem is to mobilize funds, retired employees and long-term patients.

Everyone has said it, except Li Xuewu, who was left unsaid by Gu Weijie.

Before Li Xuewu could speak, Li Huaide put down his teacup with a smile, glanced at Li Xuewu, and said to everyone: "On the way back last week, we communicated a little, and Xuewu has more ideas than me."

"Really - hurry up and say it."

Gu Weijie watched the excitement and didn't mind the big deal. Seeing that the topic raised by Li Huaide was mostly thwarted, of course she had to drag Li Xuewu in to reconcile.

Li Xuewu knew that he was a bricklayer who specialized in smoothing things over.

It's not enough to just smooth things over, you have to use bricks and tiles to patch up the holes.

But he's used to it. Li Huaide put him in this position, sitting in the first chair, and he does this job.

"Director Li said that I have a lot of ideas, indeed a lot." Li Xuewu smiled and gestured to Li Huaide, saying: "Director Li just wants to embezzle part of the funds, my idea is to move all the funds."

"Hahaha——"

Li Huaide looked at the surprised expressions and eyes of the crowd and couldn't help laughing out loud.

I told you a long time ago that Li Xuewu would never stop until he said something shocking, and he scared you!

"Move all away? From the account?"

Gu Weijie glanced at Li Huaide, knowing that Lao Li must know something, and also knowing that Li Xuewu was definitely not a reckless person.

Li Huaide laughed so happily, and Li Xuewu looked calm and steady, naturally he was not joking, nor was he messing around.

"Yes, move all of it, but not misappropriate it."

Li Xuewu said in the eyes of everyone concerned: "It is undoubtedly a waste to keep so much money in the account."

"Misappropriation is risky. If the funds are not in line with the accounts, it will be a trouble for everyone in the Red Star Factory."

"Xuewu's opinion is to put this part of the funds in the United Savings Bank."

Li Huaide took the lead in explaining: "This part of the funds should be used as the principal to implement investment profits."

"The profit part will be used as a supplement to welfare benefits or insurance construction."

"This...is a bit too big a step?"

Cheng Kaiyuan pinched his ears, looked at Li Xuewu and asked: "Is there any insurance mechanism to follow?"

"Investment is risky. No matter how big the insurance is, we dare not guarantee that our investment will make money."

Li Xuewu emphasized it first, then looked at everyone and explained: "Only when the absolute value of the investment amount is greater than the risk value can the project profit be controlled."

"That is what I want to say, put this more than 10 million insurance money in the United Savings Bank for operation."

"Risk It is still too high. Even if our economic system is very stable, there are few investment projects and the profit is too meager. "

Cheng Kaiyuan reminded: "If there is no sufficient guarantee and absolute confidence, I am not optimistic about this project."

"If you want to wait for the settlement business of the United Savings Bank to open and then go to the port city to participate in the investment, then I will disagree even more."

"Investment in the flow of funds in the mainland is naturally not the first choice. I also have concerns about this."

Li Xuewu nodded and agreed with Cheng Kaiyuan's opinion. He looked at everyone and said: "But there is one point that Deputy Director Cheng and I have the same opinion, that is, the opening of the settlement business."

"As long as the settlement business of the Oriental Times Bank and the United Savings Bank is opened, there will be the convenience of foreign exchange settlement."

He looked at everyone and said: "At least in the next ten years, it will not be a loss to do foreign exchange holding and settlement, as well as the purchase of advanced equipment."

"You mean..."

Everyone at the conference table thought that Li Xuewu was going to use this money as a deposit to cooperate with the Oriental Times Bank to build a fund settlement platform.

For example, Beijing Machinery Factory No. 2 received foreign trade orders through Red Star Factory, exported equipment, and earned foreign exchange.

How did they do it in the past?

Of course, Beijing Machinery Factory No. 2 has never received such orders. If it really earns foreign exchange, it will naturally be converted into funds through formal channels.

But what if the export order becomes a purchase order?

When exporting, Beijing Machinery Factory No. 2 opens an overseas account at Oriental Times Bank as a commodity capital transaction platform.

As long as the money does not come back, there is no need to transfer it.

Advanced equipment and technology can be purchased through Oriental Times Bank or the resources of Red Star Factory, and there is no need to transfer it when returning to China.

Because these are not money, but tariff-free products, they have made a profit invisibly.

If these technologies and equipment are not used by Beijing Machinery Factory No. 2 and resold to others, is it an internal transaction, and the money will fall back into the pocket of Beijing Machinery Factory No. 2?

If it operates well, Beijing Machinery Factory No. 2 will not only not lose money, but also make a small profit.

With United Savings Bank holding the project funds of Oriental Times Bank for operation, and with the insurance principal of United Savings Bank as collateral, what project can't be operated?

More than 10 million is enough to meet the operation of this project.

Inside the conference room, except for Li Huaide who was drinking tea calmly, everyone else was frowning and thinking.

Are there any risks?

Yes, Li Xuewu said that investment has risks.

The operation method he mentioned is itself an investment project, but it is operated by himself.

And it is still in the field that Red Star Factory is familiar with, that is, the import of technology and equipment.

In this era, there is no tariff when the advanced technology and equipment from outside enters the customs, which is a benefit to support construction.

Although it avoids the transfer of foreign exchange, it has also enriched the improvement of industrial production and technology.

This is not to exploit loopholes, but to find a way out. Red Star Factory can achieve leapfrog development through advanced foreign technology and equipment, and other factories and units can do it too.

At present, there are only a few obstacles to restrict the import of advanced technology and equipment, but Gangcheng is definitely an excellent springboard.

The establishment of Oriental Times Bank must not be a solitary person, a fierce dragon crossing the river, or a flash in the pan.

Li Xuewu wants to increase the stakes of Oriental Times Bank and constantly add halos to this bank.

The bridgehead for the import and export of industrial transformation technology and equipment, the first project of the reasonable operation of the company's self-held insurance funds...

Old Li thought about it for many days but did not dare to make a decision. He wanted to discuss it at the meeting.

Either he embezzled part of the funds according to his plan, and strictly controlled the borrowing and repayment according to the feasible plan.

Or he saw whether Li Xuewu's plan was feasible, and everyone was bolder and created brilliance.

In fact, after Li Xuewu finished speaking, everyone had an idea in their hearts. When the United Savings Bank was first established, there was a financial operation item.

Even Li Xuewu went to great lengths to ask for a license for foreign settlement and reconciliation during the negotiation, which was specially applied for by the credit union and the bank.

Fortunately, it was this era. You can forget about the first three years and the last three years. This thing will never be approved for you.

In fact, this era is very confused about development, and it is also very loose, because there is no management standard to refer to.

You see, Li Xuewu asked the Ministry of Foreign Trade and Economic Cooperation for import and export rights, but they did not give it to him, because the mainland already has a relatively mature import and export commodity management system, so of course he would not give it to you.

However, the external settlement business, especially the industrial loan settlement between mainland banks and Hongcheng Bank, is still a niche field.

What can I say about this thing? It can be given or not. It will be given after some effort.

Li Xuewu forced the credit union to make an effort and finally passed the application for this license.

It will take some time to wait, and the qualifications of Oriental Times Bank will be reviewed by the higher authorities.

But there is no problem here, and there is even less problem with Oriental Times Bank.

With 20 tons of gold as a guarantee, it dare not say that it can compete with Huifeng. Ordinary banks are really not as rich as Oriental Times Bank.

This is the capital that more than a dozen old capitalists have taken out at the cost of their homes. If it was put in the 1930s, they could also set up a bank.

Everyone was vague and did not dare to make a decision immediately. Fortunately, Li Huaide was not in a hurry. He put this issue aside and studied it later.

Li Xuewu dared to speak. He was not a member of the management committee now, so no matter what he said or what he said was wrong, everyone would just think he was talking nonsense.

"We need to improve welfare benefits and welfare projects, and make them bigger and better."

Well, no wonder Li Huaide said that Li Xuewu has more ideas than him. This is not more, this is radical.

"Of course, we can't distribute money, that's useless." Li Xuewu looked at everyone and said: "My opinion is that food, clothing, housing and transportation should start from these four points."

"Residential areas should have shopping malls and service departments. I think welfare projects should be done well, at least in terms of commodity categories, they must be rich."

Of course, Li Xuewu would not say price reduction or discount. In the planned economy period, this was something only a fool would do.

He even wanted to raise commodity prices and implement a bargaining commodity system.

"The second is the residential environment, which should be beautiful and well maintained, and enrich the entertainment life of employees and their families."

He suggested: "It's time to put playgrounds, swimming pools, and gymnasiums on the planning agenda."

"In addition, the budget for nursing homes and sanatoriums can also be allocated from the funding projects, which is the most concerned by factory employees."

"Finally, transportation, for employee commuting, large buses can be purchased in a centralized manner to ensure the safety of employees commuting in and out of the city."

Li Xuewu tapped his pencil and said: "If the insurance funds are properly operated, even the construction and operation funds of these projects can be obtained from profits."

"Xuewu is still obsessed with fund operations." Xue Zhifu smiled and nodded at him, saying: "Now we have arranged how to spend the money we earn."

"That's called being resourceful."

Gu Weijie smiled and glanced at Li Xuewu, motioning him to continue, and not to mention the key issue.

"I don't have any experience in dealing with retirement and sick people," Li Xuewu said with a smile, looking at everyone, "If you ask me, having a pension and a place to rely on in old age is the ideal of all of us."

"Speaking of the key points, you should know it very well," Gu Weijie grabbed him and reminded him, "The number of retired employees will show an upward trend, with more and more people, and the financial pressure will be greater and greater."

"Especially now that the factory staff is rapidly expanding, how to place so many retired employees?"

"Increase revenue and reduce expenditure, two directions."

Li Xuewu didn't care about Gu Weijie's attitude. This was not directed at him, nor was it intended to embarrass Li Huaide.

This is work and a fact. Gu Weijie is in charge of organizational work and must talk about this at the meeting.

Jing Yunong was not at home. If she was at home, she would definitely talk to Gu Weijie about the financial pressure and difficulties.

Red Star Factory made a lot of money this year, but it also spent a lot. It will spend even more in the future. If it can't control its money, Red Star Factory will go bankrupt.

Jing Yunong manages the money earned, and Gu Weijie manages the workers who spend money, so both of them are very worried about the current financial pressure of Red Star Factory.

"The current pension insurance, medical insurance, and work-related injury insurance have low payment coefficients."

Li Xuewu pondered for a moment and said seriously: "In addition to the fund operation I just mentioned, we can only open up new sources of income."

When everyone looked over, he tapped his fingers and said: "Red Star Factory wants to build its own medical system, so there is no need to worry about medical insurance for the time being."

"Work-related injury insurance must be adjusted, and it is imperative to establish commercial insurance." Li Xuewu ignored everyone's reaction and continued: "The same is true for pension insurance. It must take the route of supplementary insurance."

"You can set up an enterprise annuity and housing provident fund."

The enterprise annuity was first invented by American Express in 1875.

American Express established the first formal enterprise annuity plan in 1875, providing annuity income to employees who were disabled at work and worked in the company for 20 consecutive years.

Enterprise annuity is a retirement plan provided by enterprises to employees, which aims to solve the economic security problem of employees after retirement. It is also a way for enterprises to attract and retain outstanding talents.

It was introduced in the United States in the 1950s and then gradually became popular in other countries.

In addition to the United States, other countries are also gradually introducing and developing enterprise annuity systems.

For example, European countries began to provide annuity insurance to citizens in the late 19th and early 20th centuries, especially during the Great Depression, annuity insurance was sought after for its characteristics of providing fixed income.

In addition to the United States, other countries are also gradually introducing and developing enterprise annuity systems. For example, European countries began to provide annuity insurance to citizens in the late 19th and early 20th centuries, especially during the Great Depression, annuity insurance was sought after for its characteristics of providing fixed income.

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The provident fund system originated in Germany in the late 19th century, and its original purpose was to solve the housing problem of workers. With the rapid development of capitalism, urbanization has brought a large number of migrant workers into the city to work, and the housing problem has become a serious social problem. Therefore, the German government introduced the provident fund system to help workers solve the housing problem. Subsequently, the provident fund system gradually spread to other countries, such as Switzerland, the United Kingdom, and the United States.