Pension is a topic that everyone cares about. Whether you are an elderly person who is about to retire, a middle-aged person who is working, or a young person who has just entered the societyThey all hope to enjoy a stable and ample pension after retirement to protect your old age.
But, you know what?From 2024,Major changes will take place in China's pension system, which will affect the pension level of tens of millions of retirees in government agencies and institutions. This change is the pension merger.
What is pension consolidation?Why do we need to do a pension consolidation?What is the impact of pension consolidation on the pension level of retirees?What is the purpose and significance of pension merger?
Pension consolidation,It refers to a reform measure to reform the "dual-track system" of China's current pension insurance system into a "single-track system". The so-called "dual-track system" refers to the old-age insurance system in which the two categories of employees of government agencies, institutions and urban enterprises adopt two different old-age insurance models and enjoy different levels of old-age benefits.
Among them, "."One track" refers to the pension system implemented by government agencies and institutions, and the state is responsible for old-age securityI pay little but receive a good pension.
Another "track" refers to the pension system implemented by the social enterprise sector, and individuals bear part of the pension responsibilityI pay a lot of contributions, but the pension level after retirement is low. The unfairness of this pension insurance system has directly promoted the reform of China's pension system.
The basic idea of the pension merger is that the organs and institutions should establish the same basic pension insurance system as the enterprises, implement the payment of units and individuals, and reform the method of calculating and issuing retirement allowances.
Specifically, it is to unify the pensions of the staff of government agencies and institutions with those of retirees in other industries, eliminate unreasonable differences, and ensure that every retiree can enjoy fair treatment.
The purpose of pension consolidation,It is to build a society that embodies fairness and justice, so that the fruits of reform and development can be shared by all people.
As early as 2015, the "Decision on the Reform of the Pension Insurance System for Employees of Government Institutions and Institutions" was issued, and the transition period was set at 10 years.
That is to say, the ten-year period is coming, the pension merger will be formally implemented, and the government institutions will no longer implement the original retirement system, but the same as the enterprise retireesThe pension level is determined according to the number of years of individual contributions, the level of contributions and the retirement age, so as to realize the principle of "paying more and getting more".
The reform of pension integration is an inevitable choice to cope with the aging of China's population and social transformation. China's aging population is deepening, and the pressure on pension payment is increasing.
According to the National Bureau of Statistics, by the end of 2020, China's elderly population aged 60 and above reached 25.4 billion, accounting for 18 percent of the total population1%；The elderly population aged 65 and above reached 19.1 billion, or 13 percent of the total population5%。
The number of people insured by China's pension insurance is 9900 million, of which 4 are active employees300 million, 1200 million. In other words, one retiree for every eight active employees has to be supported, and this proportion is decreasing.
According to **, by 2050,Our country's elderly population will reach 4900 million, accounting for 34 percent of the total population9 per cent, and the ratio of active workers to retirees will be reduced to 2:1. This means that every two active employees have to support one retiree, and the pressure on pension payment will be even greater.
At the same time, China's social transformation has also brought about the inadaptability of the pension system. China has made tremendous achievements in economic and social development, but it has also led to profound changes in the social structure. With the development of the market economy, the scale of the social enterprise sector has been expanding, while the proportion of government agencies and institutions has been declining.
According to the data of the Ministry of Human Resources and Social Security, as of the end of 2020, the number of employed persons in urban units in China was 4400 million, of which 79 million are employed in government institutions and institutions, accounting for 179%；while the number of employed persons in the social enterprise sector is 3600 million, accounting for 821%。
That is to say,The number of employees in the social enterprise sector has far exceeded the number of employees in government agencies and institutionsAnd the gap is growing.
Due to historical reasons, China's pension insurance system has not been adjusted accordingly with the changes in social structure, resulting in the "dual-track" phenomenon of pensions. This phenomenon not only causes social injustice, but also affects social harmony and stability.
In order to cope with the challenges of population aging and social transformation, in order to establish a more fair and sustainable old-age security system, and in order to promote the harmonious development of society, it is necessary and urgent to carry out the reform of pension integration.
The integration of pensions is a major reform related to thousands of households, and it is also a strategic decision related to the long-term interests of the country and the nation. Its implementation will have a profound impact on China's old-age security system, economic and social development, social fairness and justice.
We should understand and support this reform from an overall and long-term perspective, actively participate in and adapt to this reform, and contribute our strength to building a better society.