With the acceleration of China's aging population, the issue of old-age care has become the focus of social attention. In order to cope with the pressure brought about by the aging population, the state has introduced measures such as "personal pension accounts" and "delayed retirement" at the policy level. This article will analyze the reasons behind these two policies and their impact on China's pension system.
1. The background and significance of personal pension accounts.
1.Background analysis.
China's current old-age insurance system mainly includes the basic old-age insurance for urban workers and the basic old-age insurance for urban and rural residents. However, with the intensification of the aging problem, the payment pressure of basic pension insurance is increasing, and the level of security is relatively low, which is difficult to meet the growing pension needs of the people.
2.Policy implications.
1) Improve the level of old-age security: personal pension accounts can effectively improve the level of old-age security, so that the insured can enjoy the basic old-age insurance on the basis of adding a personal reserve pension.
2) Enhance personal responsibility: The establishment of personal pension accounts makes the insured pay more attention to their own pension problems, and helps to improve the pension awareness of the whole society.
3) Optimize the pension insurance system: The promotion of personal pension accounts will help improve China's pension insurance system and achieve the goal of multi-level and full-coverage pension security.
2. Background and significance of delayed retirement.
1.Background analysis.
The current legal retirement age in China is 60 years for men and 55 years for women. However, with the extension of life expectancy and the intensification of the aging problem, the existing retirement age has been difficult to meet the needs of social development.
2.Policy implications.
1) Alleviate the pressure of pension insurance payment: Delaying retirement will help alleviate the payment pressure of pension insurance and improve the sustainability of pension insurance.
2) Improve labor supply: Delaying retirement can increase labor supply and alleviate the labor shortage caused by aging.
3) Promote economic and social development: Delaying retirement can help improve the social participation of the elderly, make full use of human resources, and promote economic and social development.
3. Conclusion: To sum up, the state encourages the opening of "personal pension accounts" and the implementation of the "delayed retirement" policy in order to cope with the pressure brought about by the aging population, improve the level of old-age security, optimize the old-age insurance system, and promote the sustainable development of the economy and society.
In the process of implementing these policies, we should pay attention to the protection of the rights and interests of the elderly and ensure a smooth transition of policies. At the same time, it is necessary to strengthen publicity and education, improve the awareness of the whole society for the elderly, and jointly respond to the challenges brought about by the aging population.