最近,笔者作为“社保”业内人员,随领导去一些地方学习考察养老保险扩面工作,确也学到了一些好的做法。但有的地方的所谓经验也令人心惊捏汗,实难恭维。比如有个地区劳动保障部门为吸纳个体工商户参加养老保险,正在推行一种所谓的“高利驱动扩覆法”。其口号是,“城乡不分,年龄不限,缴钱一万,给办退休。”其运作程序是,个体工商户达到法定退休年龄(男60岁,女50岁)的也可以参加城镇职工基本养老保险(城乡户口皆可,农民也可以参加),只要一次性缴纳15年养老保险费10000元(缴费比例18％,每月55 Recently, the author as a “social security” in the industry, with the leadership to some places to study and study the expansion of old-age insurance, indeed also learned some good practices. However, the so-called experience in some places is also extremely disturbing and sweating. For example, a local labor and social security department is implementing a so-called “profit-driven expansion law” to attract individual industrial and commercial households to participate in endowment insurance. Its slogan is “urban and rural regardless of age, unlimited pay 10,000, to do retirement.” The operating procedure is that individual industrial and commercial households to reach the statutory retirement age (male 60 years old, female 50 years old) can also participate in urban workers The basic old-age insurance (urban and rural household account can be all, farmers can also participate), as long as the one-time payment of 15 years pension insurance 10,000 yuan (18% contribution rate, 55 per month