Whether it's chatting in the community or at work, low pensions and low retirement wages have become a hot topic. Many employees are worried about their retirement life, and there are many reasons for this problem. In the following, we will analyze the underlying causes of this social problem from the perspective of economic factors, demographics, and policies.
The root cause of low pensions and low retirement wages is economic factors. With the rapid development of economic globalization and market economy, the highly competitive market environment has led to the compression of corporate profits, which directly affects the amount of enterprises to pay to pension insurance. On the one hand, enterprises are facing fierce market competition, and in order to seek development and survival space, they often reduce labor costs, including the reduction of employee wages and pensions. On the other hand, due to the pursuit of profits by enterprises under the modern enterprise system, enterprises tend to use more profits to expand the scale of production and invest in other fields, while the proportion of pensions is relatively low.
Demographic changes are also an important reason for low pensions and low retirement wages for workers. With the intensification of the aging trend of the population, pension insurance** is facing increasing payment pressure. Under the influence of traditional family values, people generally choose to marry and have children as early as possible, which has led to the concentrated retirement of a generation. Relatively speaking, the declining fertility rate of modern young people has led to a lack of sufficient labor force to support the payment of pensions. According to statistics, the number of pension participants in China is still relatively low, and the increase in the longevity population has also increased the burden of pensions.
Policy-level issues are also one of the reasons for the low pensions and retirement wages of employees. In China's pension insurance policy, there is a relatively high pension payment threshold and payment standard. On the one hand, the willingness of small and medium-sized enterprises to pay pension insurance is relatively low, resulting in a shortage of insured people. On the other hand, due to the widening income gap between urban and rural residents, the payment standard is unreasonable, and some rural elderly people cannot enjoy the pension treatment they deserve. In addition, there are problems with the adjustment of pensions, because it does not fully correspond to the average salary of employees, which leads to the low level of retirement wages. The lag and insufficiency of the policy have directly led to problems such as low pensions and low retirement wages for employees.
In order to solve the problem of low pensions and low retirement wages of employees, we need to consider economic, demographic and policy factors. First of all, we should promote economic restructuring, improve corporate profits, and ensure the adequacy of pensions. Second, we need to guide young people to increase fertility, balance the demographic structure, and reduce the pressure on pension payments. It is also necessary to increase efforts in policy formulation, timely adjust the pension payment standards and adjustment mechanisms, and reduce the difficulty of small and medium-sized enterprises to pay, and at the same time, we should also focus on solving the problem of unfair pension treatment for the elderly in rural areas. In short, the problem of low pension and low retirement salary is not only a problem faced by individual workers, but also a common challenge faced by the whole society. Only by addressing this issue in a comprehensive economic, demographic and policy context can every hard-working worker retire with the peace and dignity he or she deserves. We need to work together to create a fair and healthy old-age security system!