1. Pension calculation method
of our countryPensionThe system is mainly composed of:Social insuranceThe payment is determined according to the individual's payment period and payment basePensionamount. Most retireesPensionIt is generally between 2,000 yuan and 5,000 yuan, and the number of people who can reach more than 9,000 yuan is almost less than 1 in 10,000. This is mainly due to:PensionHow it is calculated, as well as individual averagesSalary levellimitations.
PensionIt is the main part of retirees' later lifeEconomy**, the amount of which is directly related to the welfare and quality of life of the elderly. of our countryPensionThe calculation method is relatively complex, involving the number of years of payment and the payment base of the individual. In this calculation model, people who work longer hours and earn higher monthly wages are able to obtainPensionThe more. This also means that there are high-income people who work shorter hours and lower wagesPensionThere will be a clear advantage. In addition, due to the localitySalary levelThe differences vary from region to regionPensionThere are also significant differences in the standards. Therefore,PensionThe way it is calculated will lead to a certain extentPensioninequalities.
2. Insufficient pension
At present, Chinese society is facingPopulation ageingThe number of retirees is constantly increasing, which givesPensionIt poses a huge pressure. And, withCost of livingThe rise of many retirees finds themselves onPensionDifficulty meeting the needs of daily life. IfPensionFailure to meet the growing demand for payments will pose a threat to social stability.
PensionThe sustainability of the presentPensionOne of the major challenges facing the system. withEconomyDevelopment and improvement of medical conditions, people's life expectancy is constantly extended, which leads to:Population ageingof exacerbation. At the same time, the reduction of the labor force has also made itSocial insuranceThe number of contributors has decreased comparatively, while the number of retirees has continued to increase. In this way,PensionThe burden is getting heavier and heavier, and its sustainability is being put to the test. IfPensionFailure to meet the increasing demand for payments will not only have an impact on the welfare of retirees, but also on social stability.
1. Increase the level of pensions
In order to cope with retireesCost of livingConstantly ** the problem of ** began to take measures to improvePensionLevel. By gradually improvingPension** is designed to help retirees cope with the increasing cost of living and improve their quality of life.
* ImprovePensionThe level of measures is a positive response to improving the quality of life of retirees. withEconomyWith the development of the people's living standards and the improvement of people's living standards, the requirements of retirees for life are also constantly improving. However,PensionGrowth often can't keep upCost of livingThe speed at which many retirees faceEconomyPressure. In order to solve this problem, ** has increased the pairPensioninput, through gradual improvementPensionThe standard of living of retirees has been improved.
2. Reform the pension system
In order to improvePensionEquity and sustainability, and reform is also being exploredPensionSystem. By adjustingPensionCalculation method, increase the number of years of payment, etc., ** hope to allow more people to enjoy the reasonablePensiontreatment and ensurePensionlong-term stable operation.
In order to solve the presentPensionThe problems existing in the system are actively exploring the path of reform. On the one hand, ** has increased the pairPensionThe intensity of the adjustment of the calculation method is to try to allow more people to enjoy relatively fairPensionTreatment. By increasing the number of years of contributions, changing the calculation formula, etc., it is hoped that personal income can be reduced andPensionbetween the gaps, raisedPensionfairness. On the other hand, ** is also strengtheningPensionmanagement and operation through scientific investment strategies andAsset allocation, make sureThe long-term stable operation is guaranteedPensionof the issuance.
PensionIssues are an important and complex issue in the process of China's social development. Currently, our countryPensionThere are a number of challenges facing the system, including:PensionThe calculation is unequalPensionsustainability. In order to solve these problems, a series of measures have been taken. On the one hand, we are committed to improvingPensionto help retirees copeCost of livingof the constant**. On the other hand, ** is also being further promotedPensionInstitutional reform to improve the fairness and sustainability of the system. However,PensionThe solution of the problem is not achieved overnight, and requires the joint efforts of ** and society. At the same time, individuals also need to pay attention to pension planning and improve personal needsPensionsreserves to ensure post-retirementEconomySafe. It is only through the joint efforts of all parties that a reasonable, equitable and sustainable one can be constructedPensionsystem to provide better protection and benefits for retirees.