The CCP's New Conspiracy: They Are Truly Panicking, Already Emptied Out! Where Exactly Does the Problem Lie? Do Chinese People Really Not Want to Pay Social Insurance? Qiqi Baba TALK Episode 1001 20261016

This episode mainly discusses the current wave of social security payment defaults in mainland China and the economic pressure behind it. Host Qi Qi, combining netizen submissions, street phenomena, and the “social security loans” launched by banks for flexible employment workers, points out that people are not unwilling to pay social security, but are unable to do so due to economic deterioration and immense living pressure. At the same time, the program also touches upon social realities such as young people struggling to find jobs, scavenging becoming a trend, and bank cards being preventively frozen.

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Hello everyone, welcome to Qi Qi Baba, I am Qiqi. Didn't this social security thing start getting urged for payment and people getting arrested? Do you know what the Chinese Communist Party did? Then this social security loan—yes, social security loan—smelled the blood and came right over. It is said that targeting the pain points of flexible employment workers' payments, Jingmen Rural Commercial Bank launched the "Sheyin Loan" product. Based on continuous and stable social security payment records as the credit rating basis, it provides low-interest inclusive loans, which not only solves the difficulty of social security payments for flexible employment workers, but also expands business for banking institutions, achieving a triple win of social security credit enhancement, bank customer acquisition, and public benefit! Every day besides win-win, they can't think of any other words; it must be a win-win. Sigh, and what's more, they even talk about breaking through the traditional window-entry model, promoting service to upgrade toward complementary advantages and resource sharing. Organizing financial knowledge lectures, elderly smartphone classes, and anti-fraud propaganda at bank branches! This anti-fraud propaganda, when I heard it, my scalp went numb. Who on earth is the biggest fraudster? I think friends all have a clear idea in their hearts. They say this turns the branches into multi-functional livelihood stations, realizing the ability to handle affairs, consult, study, and solve difficulties. Actually, I feel that these branches might end up becoming a place specifically used to brainwash the elderly, you know? Because these elderly people have nothing to do all day, right? There are many, and then some of these people, uh, cannot receive ideological education very well. Look, they don't know how to use smart devices, right? They can't see the words issued by their own Party. So at this time, these branches are needed to do such things. But I really want to ask: since you can even think of coming up with this loan, I really want to know if Chinese people don't pay social security because they don't want to pay the money? Ah, let me ask you, do Chinese people not pay social security because they don't want to?

People with high pensions, try not to speak out on Douyin, understand? I advise everyone, really.

Wonderful, so you're a Party member, right? I'm an old Party member, an old Party member, huh. This, this.

Not a Party member yet.

Must.

What's this about?

Right?

Four.

Then you still have to have a pension! It's not just the 27,000 that was hit! 27,000. Such a high pension? Um, why can't you spend it all? This money too.

Mom, this account has grown mold.

Since the front has grown mold, why don't you buy clothes? Has it grown mold or not? Auntie, you are too wealthy.

Experts say: "One part of effort brings one part of harvest; the more effort you put in, the more harvest you get." But think about it, between someone with a pension of 2,000 and someone with a pension of 10,000, is their difference a matter of effort? Could it be that the person with a 2,000 pension didn't work hard enough?

Netizens say: "Grandpa's pension is 17,000, and he is eighty-nine years old this year. We all treat him like a god, worshiping him. He is the main source of income for our whole family. My dad and mom take turns guarding him every day. The morning egg custard has the foam skimmed off three times, without a single bit of chopped green onion. The afternoon Pu'er tea must be brewed with water at precisely 85 degrees Celsius, and if it's slightly too strong or too weak, we get scolded. My college junior tuition fees, my younger brother's private tutor money, and the down payment for the family's SUV last year all came from Grandpa's pension card."

There are quite a few people canceling their social security. You come here any afternoon, and there are still so many people here this morning. I came today to handle the suspension of my coverage. Uh, I can't bear the pressure of life anymore, so I'm stopping my social security and medical insurance first. I've been waiting for almost the whole morning and still haven't been served. I'm at number thirty-six.

It's number thirty-eight.

Alright, it's done. From now on, I'm a proper unemployed person. Let's see if I can collect some unemployment benefits to help ease the family's economic situation, right? This is a practical matter; the benefits are quite high now.

Do those people receiving pensions pay a lot of social security when they were working? Is it because they paid a lot of social security that they are now receiving such high pensions? Is that the case? Right? As long as you think this question through, right? Then everything becomes clear.

Why are more and more people stopping their social security payments? You can go look at the data; every year, over 120 million people stop paying. The discontinuation rate for young people aged 25 to 35 is as high as 31.7%, and for those in flexible employment, it's even more exaggerated, with a discontinuation rate of 38%. There is only one reason that truly makes them stop paying social security, and that is that they don't have enough money right now! Life is already precarious; how can we talk about old age? For the vast majority of corporate slaves and cattle-horses earning three or four thousand yuan a month, thinking about the future is too much of a luxury. How can I pay into this in the current market? Tell me, if it doesn't go up.

Don't just make me pay; let me earn money first, then I can pay into it, right, Minister Li?

Those who haven't paid social security, keep a low profile and don't show off online. I'm here, I'm there, you come find me—they won't come find you. They will send the information to your village party secretary, and then your village party secretary will distribute it to you in the village.

Is there anyone else who hasn't paid their pension insurance? If there's anyone who doesn't know how to pay, hurry up and come to the brigade office to pay.

The park entrance is already starting to promote it.

It's really going to be issued! The little park that people talk about every day, it's so noisy.

Let me emphasize again, social security is 100% not being paid. We are just hourly workers; we get paid for the hours we work.

Recent news about social security: starting November 1st, those who are in arrears or have not paid their social security will be subject to a fine of one to three times the amount. Of course, everyone shouldn't be too panicked. In this situation, the state will still maintain a policy of guidance first and differentiated treatment second. This means that we haven't actually reached the point of mandatory enforcement yet. For example, many of our clients might currently encounter phone notifications, text messages, or requests for in-person interviews; these are just their current methods.

Friends, I am currently in Argentina, and I discovered today that all the bank cards under my name have been frozen. I looked into the cause of this, and it turns out that I made a transfer on September 30th, and then on October 8th, I received a call from the police station notifying me that the Anti-Fraud Center deemed my transfer risky and placed a protective payment suspension on me. What does a protective payment suspension mean? It means your bank card can only receive funds but cannot send them, and this freeze lasts for at least half a month. I discovered this today when I was trying to make an online payment and found I couldn't pay a 20-yuan shipping fee. Since I explained the situation when I received the call from the police station—stating that my transfer was a normal transaction, that there were no issues with either party's account, and that I had a contract in hand—plus the fact that my itinerary abroad is very tight every day, I completely did not expect that all my bank cards would just be frozen like this. There are a few points about this matter that I find very difficult to understand, and I would appreciate your advice. First, my actual transfer time was September 30th, but the time my bank card was frozen was at least a week later. If the Anti-Fraud Center suspected I was being scammed, then may I ask, what kind of effect can freezing a bank card a week after the transfer have? Second, after receiving the call, I communicated with the police station immediately, explaining that this was not a scam but a normal transfer, and everyone in my family also knows about this situation and information; why did they still proceed with this protective payment suspension operation? Third, I am currently in Argentina, and none of my bank cards work, none of my credit cards can make payments, and I can't even use Uber to hail a car. If I weren't traveling with Chris, how would I survive abroad with no money? At the same time, who will bear the problems caused by my inability to make credit card repayments while my bank cards are frozen? I also researched online whether there is a solution to this account freeze. The answer is yes: you need to go to the police station in person with your ID card to explain, and they can help you unfreeze it within 24 to 48 hours. But I am currently abroad, and I really have no way to operate or handle this immediately. I don't know what to do about this. As I said before, my transfer was a normal one; it was not a scam. However, due to the credit card freeze, I may indeed suffer financial losses later on. Who will be responsible for this? I fully understand the determination and good intentions of the staff to protect everyone, but this so-called protective payment suspension has had a huge impact on my life, so I would like to ask for help here: if one encounters such a situation while overseas, how should it be handled? Thank you all, sorry to bother you.

This can't be taken, the battery is on this. I'm returning the e-bike, alright? Uh, the battery. I said it can't be taken, we are returning the electric bicycle, and your battery belongs to as a part of this e-bike.

When he bought it, he didn't give it to me. When you were driving, I checked you.

We've been sold out, hurry up and figure out who on earth sold us out? Could it be that gang of street runners? No, they've already returned to the mainland, there's no reason to sell us out. Yang Jiguang, impossible, unless caught by the police, then there's only one person under suspicion.

Today I heard my mom say that young people have gotten so involuted that they can't even grab a spot for collecting scraps anymore. Now collecting scraps requires professional equipment, carrying small headlamps, buying professional clamps. Eight to ten is one wave, eleven to two is another wave, and then four to five is another wave. One day my mom couldn't sleep, at two in the morning she took the dog downstairs for a walk, and happened to run into thirty-something-year-olds picking up garbage, and they were all young people. Only the older generation used to do these garbage scraps, but now all young people have started doing it too, sensing a business opportunity, I can only say it's impressive.

Lately I keep seeing those videos of crematorium electronic screens, all people in their early twenties or thirties passing away very young, both men and women, and many people posting that someone they were very close to, who was eating and working together yesterday, passed away today. When I see these kinds of videos, my feelings are very complicated. On the one hand, I feel it's a great pity; on the other hand, I feel it's quite good not to have to suffer through the rest of life's hardships anymore. Compared to many people, it can also be considered a relief. I feel that life or rather work has pushed people to the point where they no longer have humanity, it is extremely exhausting and numb. I feel that death and aging are not that terrifying, not that hard to accept, there is even a trace of relief, and expectation, how terrifying! I feel the current young people are under too much pressure. If this pressure cannot be alleviated and released, perhaps in the future there will be more and more cases of dying young, or even now, stop obsessing over birth rates and marriage rates, take care of survival rates first, right?

Now collecting garbage every day, picking up cardboard boxes, hey, got a cart full, picked up all morning, should be able to sell it for seventy or eighty yuan, nice. Go get some more this afternoon, make over a hundred a day.

That insurance of mine is... not paid, because it's too fucking expensive, can't afford it. It goes up every year, goes up every year, can't afford it, really fucking can't afford it, and who knows which day I'll kick the bucket, whether I can live to that old age is still unknown, not paying anymore, cut it off, broke it, cut.

Business is slow again, social security goes up again, and it jumps by over two hundred, and they even say we have to make retroactive payments. Sigh, us factory guys don't even know how to survive, completely red.

I will never pay for this flexible employment pension and medical insurance again, really too expensive. Take the city I'm in as an example, this year in Nanchang, the annual pension is 9363, medical is 8829, adding them up is over 18,000. And this goes up every year, the current regulation is to pay for 15 years, but I checked, our retirement has been delayed, so our pension payment period will still increase in the future, probably for my age it will increase to 20 years.

Hey, many people ask my older sister, 'Sister, have you paid your social security yet?' Sister hasn't paid, because of what? Because there's no money. Many people say, 'At your age you should pay, after paying for the full 15 years, wait another two years and you might be able to retire.' I know that too, but I don't have money. The first half of the year until September now, the two of us earned at most 40,000, hey, but once September starts with the new school term, my daughter's English fees, dance fees, after-school care fees, child's kindergarten fees, and meal fees, all sorts of messy things wipe out over 30,000 yuan of mine. Hey, if we had money everyone would pay, everyone knows how awesome it is to collect money every month, right? How long can you live? These are all matters of probability, nobody says 'I can definitely live to 90', nor does anyone say 'I'll kick the bucket at 60', right? So this is a probability event, I didn't pay just because I have no money.

Working in Shanghai without renting an apartment, living under this bridge, look at how this bridge is underneath? This is an elevated bridge, my environment is pretty good, look, see? Pretty good environment.

Applying for a disability certificate, they don't count it because my other eye is good; looking for a job, they take one look and directly reject me; wanting to drive a tricycle, the medical exam instantly blocks me. I can't be a disabled person, nor can I be a normal person. Making videos is just to let more people know that there are still people in the world like me who are caught in a dilemma on both sides. Authoritative media.

Publishing articles! Prisons are not nursing homes, don't try to enter prison in the form of crime. And now there is another piece of news, which is that all psychiatric hospitals have been renamed to so-and-so city hospital number so-and-so, they don't say psychiatric hospital anymore. Now this window of psychiatric hospitals is also slowly closing for you, attempts to avoid debt collectors or old age through entering psychiatric hospitals are also slowly being crushed. So everyone take care of yourselves, strive to be positive and diligent, don't try to escape the wonderful moments of your life by entering psychiatric hospitals, prisons, or lying flat. Don't think about it, don't use your brains for this.

We are already so poor that we have nothing left, nothing more to lose, so you might as well just go all out, fuck it!

How are they supposed to pay? Oh, I really want to ask, how do they pay? What do they use to pay? They simply cannot afford the social security, they can't even afford to eat, what do they use to pay? Even if you drive them to death they still can't produce this money! Then of course they can only default on payments. Hey, but look how considerate the CCP is, look if they correspondingly launched social security loans? Good grief, I say...

The CCP really wishes Chinese people would die.

It's dying slowly! Alright, that's all for this episode. If you'd like to support me, please join the membership channel. The time for the latest member-only livestream has already been posted in the community; it's coming very soon, it should be up within ten hours. So, that's it for this episode, see you in the next one.