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想跟銀行借錢，不妨先聽聽專家的建議

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Speaking at an afternoon news conference at the Presidential Office, Chen said the draft was drawn up after 20 committee meetings, four regional forums and efforts to solicit opinions 信用不良信貸from all小額信貸試算 sectors of society.

Laying out several key elements of the proposed reforms, Chen said the controversy-dogged 18 percent preferentia汽車分期付款條件l代書貸款安全嗎 sa農會貸款流程vings rate fo整合負債貸款新車貸條件r台南民間借款 retired public-sector employees taking monthly retirement payments would be lowered to 0 percent in three stages over six years.整合代償銀行特快私人貸款

WARM WELCOME? Vice President Chen Chien-jen said that protesters should avoid the cold by sending representatives to Sunday’s meeting to discuss issues

“We welcome various opinions at有信用瑕疵貸款 Sunday’s conference. They will be factored into the next stage,” Lin said.

Chen said that the government intends to cut the income replacement rate for public servants to “75 percent of two times a civil servant’s basic salary” and lower the rate by 1 percentage point each year until it is 60 percent of two times the basic salary.

“The money that is to be saved by lowering the income replacement rate for public servants and the cancelation of the 18 percent preferential rate will be put into the [Public Service Pension] Fund,” Chen said, adding that starting next year the government is to inject NT$20 billion into the Labor Insurance Fund annually.

To make pension funds more sustainable, the average used to determine payments is to be based on a longer timeframe. The proposal is for the average insured salary of the final 15 years of employment to be used to determine pensions, with that number to be reached by adding 12 months to the timeframe each year until the 15-year target is met.

By Stacy Hsu / Staff reporter

2017-01-2003:00

Minister Without Portfolio Lin Wan-i （林萬億）, who is deputy convener and executive director of the committee, said that as the nation has 13 different pension funds, the government plans two stages t中古車貸款利率o reform such a complicated system.

Chen said the draft plan aims to ensure that the nation’s various pension funds can be sustained for at least another generation, delaying estimations for bankruptcy of the Labor Insurance Fund by nine years to 2036, the public急需現金救急-school teachers’ pension fund by 12 years to 2043 and the Public Service Pension Fund by 14 years to 2044.

The saving rate is to be reduced every two years, falling to 9 percent, 6 percent and then 3 percent. It is to be 0 percent from the seventh year 台灣銀行借款利率on.

Under current pension plans, government employees receive pensions of up to 95 percent of their青年貸款條件 pre-retirement income, which is straining買車貸款利率 national coffers.

“Our goal is to make sure that pension funds remain accessible generation after generation and be able to support insured people into their old age,” Chen said.

Also, the retirement age is to be increased to 65, except for professions of a 台新銀行車貸special nature or those that involve dangerous activities, while the ceiling for labor insurance premiums paid by public servants, public-school teachers and private-sector workers is to be raised stepwise to 18 percent.

Other highlights of the proposal include a scheme to allow employees to keep their work years when they switch jobs, including moves between the private sector and the public sector.

However, public servants whose monthly pension is below a specified floor — to be either NT$25,000 or NT$32,160 （US$791 or US$1,017） — are to retain the 18 percent preferential rate.

For those who take their pension as a lump sum, there are two proposed systems: Eith青年創業貸款條件玉山銀行二胎房貸信用不良如何借貸台中支票貼現卡債協商後多久恢復信用er the 9-6-3-0 process to reduce the interest rate as with monthly payments, or a separate plan of 12 percent for the first two years, 10 pe小額貸款公司民間信貸利率勞工紓困貸款2017rcent in years three and four, 8 percent in years five and six and 6 percent from year seve要去哪裡借錢債務整合公司n小額借錢 台中代書借款o房貸利率比較2017n中國信託留學貸款中古車貸利率怎麼算.小額信貸10萬桃園借錢管道房屋轉貸增貸銀行

民間二三胎民間代書急件台北代書借款台中房屋借錢整合負債推薦>民間信貸台北原住民貸款優惠民間代書借款南山人壽房貸利率2017債務協商申請書房屋修繕貸款2017Vice President Chen Chien-jen （陳建仁） yesterday unveiled details of the government’s draft pension reform plan, urging opponents to send representatives to a national affairs conference sched哪間銀行信貸比較好過車貸試算程式u新車車貸利率多少led for Sunday.

Asked to comment on a large-scale demonstration in front of the Presidential Office Building planned for Sunday by civil servants, Chen said that given falling temperatures, it would be better for opponents of the plans to send representatives to the conference, where their voices would be better heard.

Additional reporti創業貸款代辦ng by CNA

新聞來源：TAIPEI TIMES
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