As we all know, in terms of pensions, China has been implementing a "dual-track system", but according to relevant news, from next year, the national pension insurance system or will usher in a historic moment.
By September 30, 2024, the transition period for the reform of the pension insurance of government agencies will end, and the pension insurance of enterprises and institutions may be integrated.
This also means that the dual-track pension system that has lasted for many years is expected to be completely brokenLet's find out:
01 What is the difference between the "dual-track" pension?
To put it in layman's terms, there is a difference between the retirees of enterprises and the retirees of government agencies in terms of enjoying the pension system. The main reason for this situation is that when the planned economy era was transformed into a modern market economy, the way of handling pensions was not uniform.
Moreover, the differences between the two are mainly reflected in the following aspects:
1.The overall approach is different. The pension of enterprise employees is mainly the same as the expenses paid by the unit when they are employed. However, the pension income of employees of public institutions and government agencies is paid by the state.
Due to the difference, this leads to a difference in the channels for the two to pay pensions. For example, the payment of the pension of enterprise retirees is paid on the unified large account that was raised by the previous self-raised, and the amount of payment will also be affected by the total amount of funds in the account
However, because the pension of employees of public institutions is paid by the state, and fewer people receive it, the total amount of funds in the pool is also larger.
2.The standard of enjoyment is different. The pension income received by retired employees of government agencies and institutions is much higher than the pension income received by employees of enterprises after retirement.
Moreover, it is worth noting that the lower pension income of corporate retirees also has a lot to do with itself.
According to China's payment mechanism of "long-term payment and overpayment", if the social security level paid by enterprise retirees is low and the payment time is not very long, the income of receiving pensions in the future will not be high.
After all, ordinary workers work in private enterprises, and it is difficult to guarantee that they will not leave their jobs and will not be unemployed for a lifetime.
The government personnel are different, they may be a lifetime when they enter the work, the work stability in the system is stronger, the payment grade is also higher, and they will obviously receive more pensions after retirement.
02 Behind the adjustment of the pension policy
As the population ages and the number of newborns continues to decline, the pressure on pensions is also rising. In order to cope with this problem, it is necessary to make structural adjustments from the "dual-track system" to the "merger system."
In addition, there has been an imbalance in the three major aspects that make up our pension:
First of all, the first part of the pension fund, mainly relying on the power of the state, so that the people to participate in the basic pension insurance, the state also carries out large-scale capital investment.
Secondly, the second part of the pension fund is mainly paid by the employer for the employee. Although there are relevant regulations in China, enterprises need to pay social security for employees, but it is still not excluded that some enterprises will not actively participate in employee social security contributions for various reasons, and even even if employees are paid high, in order to reduce costs, they will pay at a lower standard, which will lead to an obvious shortage of this part of the funds.
Finally, the third part of the pension fund is commercial endowment insurance, because the enthusiasm of residents to buy commercial insurance is not high, the awareness of buying commercial insurance is not strong, very domestic people, the vast majority of people would rather deposit money in the bank, resulting in a low proportion of commercial insurance payment in China.
Based on this, the future of usIt is also necessary to vigorously promote the development of commercial pension insurance, which is also more conducive to the pension of residents.
03 Whether the high pension will be reduced
In recent years, China's pension has slowed down, for example, this year's increase has decreased by 0 compared with last year2%。
But even so, the pension of those retirees in the society is still too high, and it is also far above the average
First of all, you have to understand one thing, even ifThe new policy will be implemented next year, and their pension will not be changed by the change of this policy, mainly depending on the level of payment and the length of payment during the working period.
If you pay more and pay for a longer time, you will receive more in the futureThis means that once the new rules are implemented, they will be fairer than before.
AnywayThe problem of demographic imbalance has intensified, and how to maintain the healthy operation of the elderly has become the top priority, because it is related to the retirement life of hundreds of millions of elderly people.
With the implementation of the "merger system" in the future, there will be a major adjustment in China's pension policy. And this adjustment will more reflect the fairness and justice of the pension.
At that time, the gap between the elderly group in receiving pensions will be smaller and smaller, which is fully in line with the voice of the people, and I believe that the policy will be welcomed by many residents. What do you think about this?Agree to like!
Wan Ziwen said:Every word of the article was typed out by me, and I clicked it outLookingLet me know that you are also working for lifeDo your best