If Li Xuewu falls ill, what are the expenses involved in going to the hospital to register, see a doctor, and be hospitalized?
Yes, there must be expenses. Publicly funded medical care does not mean full medical coverage.
As for one-sided historical statements and life experiences, 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 security system has undergone three stages of change.
That is, the "Huamin Labor Insurance Regulations" promulgated by the Government Affairs Council in February 2019 marked the establishment of the labor insurance system for urban enterprise employees in China.
In 1958, the Government Affairs Council promulgated the "Interim Provisions on the 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 sequence of changes in the above three periods.
What Hongxing Factory and other industrial enterprises are currently preparing for and experiencing is the third reform of labor insurance.
Is it complicated?
It's very complicated, a process of change from nothing to something, from something to excellence.
The last reform of the labor insurance system continued into later generations.
Then again, when Li Xuewu goes to see a doctor, what medical preparations and steps should he follow?
Looking at the first period, that is, after the establishment of labor insurance, we must first judge Li Xuewu’s identity and treatment characteristics.
Li Xuewu is a cadre and is under the unified management of the Personnel Bureau, so he and his family members should receive a "Public Medical Care Certificate".
Use this certificate to go to the designated hospital for treatment, and the medical expenses and medicines will be recorded, and the hospital will reimburse the financial department uniformly.
However, registration fees and hospitalization fees must be paid by yourself.
If Li Xuewu is an ordinary worker managed by the Labor Bureau, then the labor insurance and medical care will be coordinated and managed, and most medical projects will be free of charge.
This is the medical security situation of urban enterprise employees in the early days of the establishment of the "Labor Insurance" system.
The promulgation of the "Labor Insurance Regulations" also marked the establishment of the labor insurance system for urban enterprise employees in China.
It has three characteristics, namely:
(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 the privilege of enterprises owned by the whole people;
(2) The enterprise must pay 3% of the total wages of employees as labor insurance premiums on a monthly basis, of which 30% is turned over to the All-China Federation of Trade Unions as a labor insurance coordinating fund, and 70% is deposited in the grassroots trade union committee of the enterprise as a labor insurance fund;
(3) Since the labor insurance system supplements the low wages of the planned economy, it provides relatively comprehensive protection for enterprise workers.
Different from this, the social security system of government agencies and institutions is established in the form of promulgating individual regulations.
Hongxing Factory is not a government agency, so I won’t go into details here.
So what has changed after entering the second stage of labor insurance system reform?
First, pension insurance is moving from separation to unification.
Before 1958, the urban pension insurance system was divided into pension insurance for enterprise employees and pension insurance for government agencies and institutions.
The two are established on different grounds, and there are also differences in funding sources and benefits.
However, this state of separation did not last. In 1958, the Government Administration Council promulgated the "Interim Regulations on the Retirement Treatment of Workers and Employees (Draft)".
It stipulates that the coverage of pension insurance includes workers and employees of all enterprises, government 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 to say, as mentioned earlier, which verification channel Li Xuewu needs to go for medical treatment is divided according to his status.
Some readers said that there were differences in the medical care that their elders enjoyed in that era.
The differences here mainly come from differences in status and differences in unit subsidies.
Personnel managed by the Personnel Bureau and the Labor Bureau enjoy different benefits.
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, as the number of people covered by the system increases and free medical care is basically implemented, the problem of rising costs becomes more and more serious.
The country has made some changes in this regard, but the effect is not obvious.
As the main unit, the Red Star Factory is responsible for the management and operation of the labor insurance and medical system. It has the right and obligation to maintain and ensure the development of this system in a better direction.
Therefore, Li Huaide and other factory leaders had to set aside a meeting time to discuss and study this issue.
Third, there are two work-related injury insurance systems.
The traditional work-related injury insurance system is also oriented to enterprises and government institutions.
The work-related injury insurance system for enterprise employees is established in accordance with the "Labor Insurance Regulations" and is an integral part of the labor insurance for urban employees.
The regulations on the work-related injury insurance system in government agencies and institutions were first seen in the "Interim Regulations on the Compensation and Compensation for Casualties of Revolutionary Workers" promulgated on December 11, 1950. Later, it was revised three times, and the standard benefits were gradually increased.
From the above analysis of the "Labor Insurance Regulations", we can see 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 already been established.
Pension insurance, medical insurance, work-related injury insurance.
Among them, pension insurance was the first to be unified, while 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 an 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:
This chapter is not finished yet, please click on the next page to continue reading the exciting content! (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 in that year.
At the same time, because the labor insurance system supplements 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.
Even if the grave doesn't care about you, do you think young people still need to prepare a cradle?
Not giving birth has absolutely something to do with the system.
(3) Combine 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 wanted to win over people's hearts quickly and establish absolute management belief and reputation.
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 having 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 are not afraid. Even if the factory goes bankrupt, 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 enterprise insurance are combined.
However, the overall coordination is only 30% turned over to the Federation of Trade Unions, and the remaining 70% is managed by the grassroots trade unions of 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 top 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 external changes, I am afraid that the hole in labor insurance will be bigger by now.
It is impossible for Li Huaide to take action on labor insurance only now.
The Red Star Factory is considered 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 residential buildings, it didn't use a penny of the money 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 just 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 serious 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 "retired employees, long-term illness wages and other labor insurance expenses of enterprises shall be expensed outside the business instead."
This regulation degenerated 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 son, right? Well, let’s separate our families!
Corporate cadres and employees are responsible for writing off insurance claims on their own. If you are there, you will do it badly. If the employees don’t have money to pay for medical treatment, you will be able to 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 organization and finance 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 unanimous.
This chapter is not finished yet, please click on the next page to continue reading the exciting content! Of course, when Li Xuewu was in doubt, of course he also asked Li Xuewu.
But Li Xuewu's idea was more radical than his, and he was so excited that he almost lost control.
In the end, 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 talking 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."
"Currently, our factory is undergoing changes in its personnel system. 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 had 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 to give their 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 the other people 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, no personal interests were involved, and everyone talked openly.
"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 react, and 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. Today we will discuss the basic plan."
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 this."
The reason I won’t talk about it is that most of the engineering investment and construction projects belong to the tertiary industry and joint industry, and this part is 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 the planned production, we shouldn’t even think about getting the construction budget mentioned 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 the standard exceeds the standard is small, but it can be said that it exceeds the standard by double the amount.
"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 to clear his throat after a few words, and takes a sip of tea after a sentence.
It’s not just Xue Zhifu who is like this, most of the cadres who have been in leadership positions for a long time are like this.
Especially those who came from government departments 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 soon have more than 80,000 people."
"Hahaha--"
Everyone laughed, this kind of comparison was like the two company commanders sitting together and bragging during the team building.
"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: "As for the safety and labor security system of the labor team and construction team, Comrade Xuewu mentioned it to me once, 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, it is designed and customized by 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 needs to 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 its 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 work. Personnel reform is not about throwing away ideas and people like dirt, but it is about applying them rationally."
"Director Li, should we follow the current welfare standards for the engineering team, 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 according to your wishes, first supplement this treatment."
Li Huaide really wanted to start a career. He had no sense of distinction based on his background and thought of the workers in the factory.
This is due to the fact that Red Star Factory quickly completed changes and personnel adjustments, and no serious trauma occurred again.
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 in the group system plan, there is an engineering construction company.
The labor team is not, the labor team is just a transitional unit that emerged in the process of personnel reform, institutional reform and industrial structure adjustment of the Red Star Factory.
There are many sources of people in the labor team, including those who were transferred due to changes in workshop technology and personnel, workers who came in after mergers, those who had problems in large-scale learning 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 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 specialize 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, Red Star Factory has vigorously recruited and recruited medical personnel, and now the factory hospital is very well-staffed.
It's a good time to put these medical personnel 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 includes several items, including welfare supplements for labor teams and engineering teams, adjustments to the security system for shipbuilders at Yingcheng Shipyard, etc.
Retirement, sick leave and other labor protections are also implemented because the Red Star Factory has its own tertiary industry.
Although the quilt factory and the labor insurance factory use old equipment, the scale of the merger of several joint industrial plants is still very large.
It can not only ensure the supply of labor insurance products to several factories, but also supply other enterprises, making it the most profitable tertiary industry.
The problem now is access to funds, retired workers and chronically ill people.
Everyone had spoken, except Li Xuewu, who was left silent. Gu Weijie called his name.
Before Li Xuewu could speak, Li Huaide put down his tea cup with a smile, glanced at Li Xuewu, and said to everyone: "On the way back last week, we communicated and Xuewu had more ideas than I did."
"That's right - tell me quickly and listen."
Gu Weijie watched the excitement and didn't mind the big deal. She saw that most of the issues raised by Li Huaide fell into the dust, so of course she wanted to bring Li Xuewu in to mediate.
Li Xuewu finally knew that he was a bricklayer, specializing in mud.
Not only water and mud are counted, but bricks and tiles must be used to patch up the holes.
But he has long been used to it. Li Huaide put him in this position and sat on the first chair. Isn't that what he did?
"Director Li said, I have a lot of ideas, indeed quite a lot." Li Xuewu smiled and gestured to Li Huaide, saying: "Director Li just wants to misappropriate part of the funds, my idea is to misappropriate all the funds."
"Hahaha--"
Li Huaide looked at everyone's surprised expressions and gazes and couldn't help laughing loudly.
I've told you before, Li Xuewu's words are not surprising and he will never stop dying, I hope you will be shocked!
"Take it all away? From the account?"
Gu Weijie glanced at Li Huaide and knew that Old Li must know something, and also knew that Li Xuewu was by no means a reckless person.
Li Huaide smiled so happily, and Li Xuewu looked calm and steady. Naturally, he was not joking or messing around.
"Yes, move them all away, but it's not misappropriation."
Li Xuewu said under the concerned eyes of everyone: "It is undoubtedly a waste to put so much money in the account."
"There are risks in misappropriation, misappropriation of funds, and misappropriation of funds, which is a trouble for everyone at Red Star Factory."
"Xuewu's opinion is to put this part of the funds in the United Savings Bank."
Li Huaide was the first to explain: "We must use this part of the funds as principal to implement investment profits."
"The profit part will be used as a supplement to welfare benefits or insurance construction."
"Isn't this... a step too big?"
Cheng Kaiyuan pinched his ears, looked at Li Xuewu and asked, "Is there any insurance mechanism to follow?"
"Investments are all risky, and no matter how big the insurance is, there is no guarantee that our investment will make money."
Li Xuewu first emphasized, then looked at everyone and explained: "Only when the absolute value of the investment amount is greater than the risk value, the project profitability can be controlled."
"That's what I want to say, put the insurance money of more than 10 million in the United Savings Bank for operation."
"The risks are still too high. Even if our economic system is stable, there are few investment projects and the profits are too meager."
Cheng Kaiyuan reminded: "If there is no full guarantee and absolute confidence, I am not optimistic about this project."
"If you want to wait until the settlement business of United Savings Bank is opened before going to Hong Kong City to participate in investment, then I disagree even more."
"Mainland capital flow investment is naturally not the first choice. I am also worried about this."
Li Xuewu nodded, agreed with Cheng Kaiyuan's opinion, then looked at everyone and said, "But there is one point where Deputy Director Cheng and I have conflicting opinions, and that is the opening of settlement business."
"As long as the settlement business of Oriental Times Bank and United Savings Bank is opened, foreign exchange settlement will be convenient."
He looked at everyone and said: "For at least ten years, it will not be a loss to engage in foreign exchange holding and settlement, as well as the purchase of advanced equipment."
"you mean……"
Everyone around the conference table thought that Li Xuewu was going to use this money as a guarantee to cooperate with Oriental Times Bank to build a fund settlement platform.
For example, Jingcheng Machinery No. 2 Factory received foreign trade orders through Hongxing Factory, exported equipment, and earned foreign exchange.
How did they do it in the past?
Of course, Jingcheng Machinery No. 2 Factory has never received such an order. If it really wants to earn foreign exchange, it will naturally turn the funds back through formal channels.
But what if the export order turns into a purchase order?
When exporting, Jingcheng Machinery No. 2 Factory opened an overseas account at Oriental Times Bank as a goods and fund trading platform.
As long as the money is not returned, there is no need to transfer it.
You can purchase advanced equipment and technology through the resources of Oriental Times Bank or Red Star Factory, and you don’t need to transfer money when you return to China.
Because it’s not money anymore, it’s a tariff-free product, so you’re making a fortune virtually.
If these technologies and equipment are not used by Jingcheng Machinery No.2 Factory and are resold to others, is this considered an internal transaction? The money will fall back into the pockets of Jingcheng Machinery No.2 Factory.
If it operates well, Jingcheng Machinery No. 2 Factory will not only avoid losses, but also make a small profit.
The United Savings Bank holds and manages the project funds of Oriental Times Bank for operation, and uses the insurance principal of the United Savings Bank as collateral. What project cannot be operated?
More than 10 million is enough to meet the operation of this project.
Inside the conference room, except for old man Li Huaide, who was drinking tea, everyone else was frowning and thinking.
Are there any risks?
Yes, Li Xuewu said, investment is risky.
The operation method he mentioned is an investment project in itself, but it is just operated by oneself.
Moreover, it is still playing in the field that Hongxing Factory is familiar with, that is, the import of technology and equipment.
In this era, there are no tariffs on foreign advanced technology and equipment when entering the customs, which is a welfare to support construction.
Although it avoids the transfer of foreign exchange, it also effectively enriches industrial production and technological improvement.
This is not exploiting loopholes, but finding a way out. Red Star Factory can achieve leapfrog development through advanced foreign technology and equipment, and other factories and units can also do the same.
At present, there are only a few obstacles restricting the import of advanced technology and equipment, but the port city is definitely an excellent springboard.
The establishment of Oriental Times Bank must not be a short-lived performance of a single person, a fierce dragon crossing the river.
Li Xuewu wants to add more value to Oriental Times Bank and continue to cast a halo on this bank.
A bridgehead for the import and export of industrial transformation technologies and equipment, the first project to be reasonably operated with self-owned insurance funds...
Lao Li thought about it for many days but did not dare to make a decision. He wanted to bring it to a meeting to discuss it.
Either embezzle part of the funds according to his plan, and strictly control the borrowing and repayment according to the feasible plan.
Or let’s see if Li Xuewu’s plan is feasible, and let everyone be bolder and create brilliance.
In fact, after Li Xuewu finished speaking, everyone had an idea in mind. When the United Savings Bank was first founded, it included financial operations.
Li Xuewu even went so far as to ask for an external settlement and accounting license during the negotiation, which was specially applied for by credit unions and banks.
Thanks to this era, you don’t have to think about it for the first three years or the next 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 are no standards for management to learn from.
You see, when Li Xuewu and Foreign Economic and Trade ask for import and export permission, they won't grant it because the mainland already has a relatively mature import and export commodity management system, so of course they won't grant it if you ask for it.
However, external settlement business, especially industrial loan settlement between mainland banks and Hong Kong banks, is still a niche field.
What do you say about this thing? You can give it or not, just do it and you will give it.
Li Xuewu forced the credit union to work hard and finally approved the application for this license.
You still have to wait for a while, as the higher authorities still have to review the qualifications of Oriental Times Bank.
But there is no problem here, and there is even less problem over there at Oriental Times Bank.
With 20 tons of gold in hand, I dare not say that I can compete with Huifeng. Ordinary banks are really not as wealthy as Oriental Times Bank.
This is the capital that more than a dozen established capitalists spent their money on. If it had been left to the 1930s, banks would have been established.
Everyone was vague and did not dare to make an immediate decision. Fortunately, Li Huaide was not in a hurry and put the issue on hold for further study.
Li Xuewu dares to speak. He is not considered a member of the management committee now, so if he says something wrong, everyone will just treat him as nonsense.
This chapter is not finished yet, please click on the next page to continue reading the exciting content! "Welfare benefits and welfare projects must be improved, and we must make them bigger and better."
Well, no wonder Li Huaide said that Li Xuewu has more ideas than him. How can this be too many? This is radical, right?
"Of course, if you can't give out the money, it's useless." Li Xuewu looked at the crowd and said, "My opinion is food, clothing, housing and transportation, starting from these four points."
"Residential areas need to build shopping malls and service departments. I think welfare projects must be done well, at least in terms of product categories, they must be rich."
Of course Li Xuewu would not talk about price reductions or discounts. In the era of planned economy, this was something only a fool would do.
He even wants to raise commodity prices and establish a bargaining commodity system.
"The second is the residential environment, which must be beautiful, maintained, and enrich the entertainment life of employees and their families."
He suggested: "It's time for playgrounds, swimming pools, and gymnasiums to be put on the planning agenda."
"Furthermore, nursing homes and sanatoriums can also allocate budgets from capital projects, which is what factory workers are most concerned about."
"Finally, there is transportation. For employees' commuting, we can centrally purchase large buses to ensure the safety of employees commuting to and from get off work inside and outside the city."
Li Xuewu tapped his pencil and said: "If the insurance funds are operated properly, even the construction and operating funds of these projects can be obtained from profits."
"Xuewu is still obsessed with financial operations." Xue Zhifu nodded with a smile and said, "Now we have arranged how to spend the money we earned."
"This is called resourcefulness."
Gu Weijie glanced at Li Xuewu with a smile and motioned for him to continue. The key issue has not been mentioned yet.
"I don't have much experience in dealing with retirement and sick patients." Li Xuewu looked at everyone with a smile and said, "If you want me to say, having a source of support and support when you are old is the ideal for all of us."
"Let's talk about the important point, you should be very clear." Gu Weijie held on to him and reminded: "The retired employee union is showing an upward trend. There are more and more people, and the financial pressure is getting bigger and bigger."
"Especially now that the number of factory employees is rapidly expanding, how will so many retired employees be accommodated?"
"Increase revenue and reduce expenditure, two directions."
Li Xuewu didn't pay attention to Gu Weijie's attitude. It was not directed at him, nor was it deliberately meant to embarrass Li Huaide.
This is work, and it is also a fact. Gu Weijie is in charge of organizational work, so she must talk about this at the meeting.
Jing Yunong was not at home. If she were at home, she would definitely discuss the financial pressure and difficulties with Gu Weijie.
The Red Star Factory has made a lot of money this year and has a lot to spend. It will spend even more in the future. If it cannot control its pockets, the Red Star Factory will go bankrupt.
Jing Yu manages the money earned by farmers, and Gu Weijie manages the workers who spend money, so both of them are worried about the current financial pressure of the Red Star Factory.
"The current pension insurance, medical insurance, and work-related injury insurance payment coefficients are still not high."
Li Xuewu thought about it and said seriously: "In addition to the capital operation I just mentioned, it can only be open source."
When everyone looked over, he tapped his fingers and said: "Red Star Factory wants to develop its own medical system, so there is no need to worry about medical insurance for the time being."
"Work-related injury insurance needs to be adjusted, and it is imperative to establish commercial insurance." Li Xuewu continued, regardless of everyone's reaction: "The same goes for pension insurance, which must be supplemented by supplementary insurance."
“Enterprise annuities and housing provident funds can be set up.”
