Pension ushered in a major change, bid farewell to a pot of stew, and the era of flexible pension is coming
The old are supported, the young are raised, the poor are dependent, and the difficult are helped." This is the social ideal that China has always pursued. One of the most important is retirement.
On November 9 this year, in order to solve the problems of the increasing aging population and the increase in pension payment pressure, the state will carry out an unprecedented important change and adjustment to the pension system.
This paper expounds in detail the background, significance, content, influencing factors and problems faced by China's enterprise annuity reform, and looks forward to the development trend of China's enterprise annuity reform.
First, the historical and practical significance of the reform of China's pension system.
In the context of social and economic development, the number of elderly people is increasing, and the burden of pension insurance is getting heavier and heavier. Many elderly people are facing problems such as low pension insurance benefits and insufficient protection. China's current pension insurance system has been unable to adapt to the reform of the pension insurance system under the new situation.
The implementation of this system is conducive to stimulating young people's attention to society and promoting the coordinated development of the regional economy. Construct a social endowment insurance system, increase the payment standard, coverage and long-term stability of social endowment insurance, and make the social endowment insurance system more perfect.
Second, major issues in the reform of the pension system.
1.Transition from basic endowment insurance to multi-level endowment security system: build a multi-level endowment insurance system, including basic endowment insurance, enterprise annuity, and personal savings endowment insurance, to meet the needs of all levels of society.
2.Appropriate adjustment of the basic pension insurance payment base and rate of endowment insurance: Combined with China's economic development and the actual situation of urban and rural residents, the basic endowment insurance of endowment insurance is appropriately adjusted to ensure the fairness and sustainable development of endowment insurance.
3.Improve the management model of China's basic pension insurance, expand the investment rate of China's pension insurance, and ensure the safety and value preservation of the pension.
3. The influencing factors of the pension system and the problems faced.
1.There are differences in the level of the elderly in major cities and towns: more attention and support should be given to the elderly areas to ensure that they have sufficient basic old-age security in the region.
2.Cope with the basic pension insurance and sustainable development: ensure that the basic pension insurance can obtain a long-term, stable and sustainable pension under the premise of maintaining the basic pension insurance payment standard.
Fourth, the trend and prospect of China's pension system after the reform of the pension system.
1.Further optimization and improvement of the pension insurance system: through the continuous improvement of the pension insurance system, the pension insurance system is more suitable for our actual situation and people's needs.
2.Increase the level and coverage of the basic pension: By increasing the level of the basic pension and expanding the coverage, the majority of retired workers can enjoy a higher level of pension.
3.Improve the sustainability and stability of social pension insurance: through diversified investment and market-oriented operation, ensure the safety and value preservation of basic pension insurance, and serve the long-term and stable life of the elderly.
Conclusion. All sectors of society should care about and support the reform of the pension insurance system, so that ordinary people can enjoy higher quality social welfare. On this basis, it is necessary to pay attention to the physical condition of all retired workers, improve their quality of life after retirement, and give them more care and help.
It can be said that the reform of the pension insurance system is not only a major work, but also a major measure to deal with the current aging population.
Only in this way can we truly achieve social equity and sustainable development, and can all social strata receive more social benefits. Let us look forward to the victory of this restructuring and create a new situation in our national social security system!