With the rapid development of China's social economy, more and more peasant brothers have entered the city to work hard, making great contributions to the construction of the city. However, while these farmers are working hard, they are also facing the problem of old-age security. In recent years, in order to improve the situation of rural old-age security, the state has launched a series of policies, so how much pension can farmers receive at the age of 60 if they pay 5,000 yuan a year and pay for 15 years?This article will focus on this issue.
We need to understand the operating principle of China's rural pension insurance system. In China, the rural pension insurance system is divided into two levels: one is the basic pension, which is guaranteed by the state finance;The second is the personal account pension, which is accumulated by the farmers' individual contributions. The longer the farmer's contribution period, the more pension he will receive in his personal account. According to the current policy, the monthly pension received by the peasant is equal to the basic pension plus the pension in the personal account.
We have to calculate the personal account pension that farmers can accumulate in 15 years of contributions. Taking the annual payment of 5,000 yuan as an example, the total payment for 15 years is 75,000 yuan. According to the current policy, the calculation and payment method of personal account pension is: the cumulative total amount of personal account divided by 139 (the current average monthly payment coefficient). Therefore, farmers who have paid contributions for 15 years can receive a monthly personal account pension of about 540 yuan when they retire at the age of 60.
Personal account pensions alone cannot guarantee the basic livelihood of peasants. At present, the basic pension standard in China's rural areas is 88 yuan per month, plus the personal account pension, the monthly pension that farmers can receive after the age of 60 is about 628 yuan. This amount is obviously far from sufficient in the current rural life. So, how to improve the situation of old-age security in China's rural areas, so that the peasant brothers can live a stable and happy life in their old age?
The state should increase investment in rural pension insurance policies and improve basic pension standards. Within the scope of financial allowability, the level of basic old-age pensions in rural areas should be gradually raised, so that peasants can receive a certain amount of old-age security after the age of 60. In addition, we can also explore the establishment of a rural old-age subsidy system to provide living subsidies to the elderly in rural areas who are extremely poor and relieve their living pressure.
Improve the rural pension service system. Vigorously develop rural elderly care service facilities, such as nursing homes, day care centers, etc., to provide a convenient and comfortable environment for the elderly in rural areas. At the same time, encourage family pension, promote the culture of filial piety, make young people aware of the responsibility of providing for the elderly, and enhance the concept of family pension.
Broaden the channels of employment for peasants and raise their income levels. ** It is necessary to increase support for the development of rural industries, guide farmers to develop characteristic industries, and increase farmers' incomes. In addition, it is also necessary to actively create conditions to guide peasants to work in the cities in an orderly manner and provide them with more employment opportunities.
Improve farmers' awareness of old-age care and guide them to actively participate in old-age insurance. Through policy publicity, education and training, etc., let farmers understand the importance of old-age insurance and the operation of the old-age insurance system, and improve farmers' enthusiasm for participating in insurance.
How much pension a peasant can receive at the age of 60 after paying contributions for 15 years has a bearing on the quality of life of thousands of elderly people in rural areas. Against the background of the gradual growth of the state's finances, we have reason to believe that the problem of peasants' old-age security will be better solved. Please leave your views in the comment area, and let's work together to ** the future of rural old-age security.