In recent years, with the aging of the population, the pension gap has gradually surfaced, and some people have even begun to worry about whether the post-80s generation will become the first generation to receive pensions. In the face of this serious problem, in the first half of 2023, the Ministry of Human Resources and Social Security issued the "Notice on Adjusting the Basic Pension of Retirees in 2023", announcing that it will be based on 2022**38%。The news attracted a lot of attention, especially among young people, as the pressure of the pension gap seemed to contradict the pension **. So, why can my country's pension still be **?
In fact, China's pension adjustment level is based on factors such as wage growth and price increases. Although the increase in pensions has been declining year by year in recent years, this year's 3The 8% increase is still the lowest in recent years. So, what exactly does this increase mean?Taking retirees from government institutions, institutions and enterprises as an example, it has been calculated that the average pension level of government institutions and institutions in China in 2022 will be about 6,299 yuan per month, and the average pension level of enterprise personnel will be about 3,040 yuan. Under this year's increase, the monthly pensions of retirees of government agencies, institutions and enterprises will increase by 240 yuan and 116 yuan respectively.
However, this is a simple estimate of the average, and the increase varies from retiree to retiree. In the future, can China's pension continue to maintain the best trend?China's pension adjustment depends on the combined effect of a number of factors, including the speed of economic development, the growth rate of average wages and the price level. With the economic development and the slowdown in the growth rate of workers' wages, the first range of pensions may gradually decrease in the next few years, from 3% to % or even lower.
Although the pension gap is still severe, from a structural point of view, the pressure of China's pension gap is mainly caused by unbalanced regional development and population flow. Through the overall adjustment of pensions across the country, rich provinces subsidize poor provinces, which can achieve a surplus on the whole. However, as the population ages, the pension gap will shift from a structural problem to a full-blown stress. According to the calculation of the Chinese Academy of Social Sciences, in 2028, China's pension will be unable to offset the current period, and by 2035, all the accumulated balance of the pension will be exhausted.
This ** has caused people to worry about whether the post-80s generation can receive a pension after retirement. However, the reality is not so pessimistic. While the pension balance will be depleted, this does not mean that there are no funds to use. China's pension implements a pay-as-you-go system, that is, the pension paid by the current young people is used to support the retired elderly of the previous generation. Therefore, as long as there are young people working and paying pensions when the post-80s retire, they are eligible for a pension.
However, the crux of the matter is how much pension you can receive. With the deepening of the aging population and negative population growth, the picture of the future will be that fewer and fewer young people are working and paying pensions, and more and more people are waiting to receive pensions. This situation of more monks and less porridge means that the level of pensions may gradually decrease in the future.
Netizens hotly discussed: In fact, many companies do not pay social security.
Some of them are paid after three months of employment.
A large proportion of people do not receive a pension at all
Judging from my current ratio of five insurances and one housing fund, I have to pick up scrap after retirement to support myself.
I suspect that this topic is connotating me.
Now there's not much left in the card, and I don't know when it will be.
First of all, you need to be able to live until retirement. It means that the retirement age will continue to be delayed after two years, and the retirement will be resumed at the age of 70.