With the intensification of China's aging population, the reform and improvement of the pension system has become a hot issue of social concern. In 2024, pension reform measures will be introduced, aiming to further protect the well-being of the elderly and achieve the sustainable development of the pension system. This article will interpret the core content of the pension reform in 2024 for the benefit of readers.
First, the background of the reform of the pension system.
In recent years, China's population structure has undergone profound changes, and the trend of aging has become increasingly obvious. According to statistics, by the end of 2023, the population aged 60 and above in China has reached 3700 million, accounting for more than 25% of the total population. In this context, the pressure on the pension system continues to increase, and the reform and improvement of the pension system has become a top priority.
Second, the core content of the pension reform in 2024.
1.Establish and improve a multi-level pension system.
The pension reform in 2024 will focus on promoting the construction of a multi-level pension system, including basic pensions, enterprise annuities, occupational annuities, personal savings pensions and other levels to meet the pension needs of different elderly people.
2.Improve the basic pension system.
The reform will further improve the basic pension system, increase the replacement rate of basic pensions, and ensure that the basic livelihood of the elderly is guaranteed. At the same time, the establishment of a normal adjustment mechanism for basic pensions, so that the level of pensions and price levels, wage levels and other factors are linked, to achieve the actual purchasing power of pensions.
3.Promote the development of enterprise annuity and occupational annuity.
In 2024, the pension reform will increase support for enterprises and institutions to establish an annuity system, improve the investment and operation efficiency of annuity, broaden the investment channels of annuity, and realize the preservation and appreciation of annuity.
4.Encourage the development of personal savings pensions.
The reform will encourage individuals to participate in savings pensions, and guide individuals to reserve funds for their own pensions through preferential tax policies and other policies. At the same time, improve the policy of receiving and inheriting personal pensions to ensure the safety and income of personal pensions.
5.Increase the coverage of the pension system.
In 2024, the pension reform will increase the protection of flexible employees, migrant workers and other groups, expand the coverage of the pension system, and realize universal participation.
6.Strengthen the supervision of pensions.
In order to ensure the safety of pensions, the reform will strengthen the supervision of pensions, establish and improve the regulatory system for pension investment and operation, and prevent investment risks of pensions.
Third, the significance of pension reform.
The pension reform in 2024 will be conducive to further improving China's pension system, improving the well-being of the elderly, and realizing the sustainable development of the pension system. At the same time, the reform will also help alleviate the pressure brought about by the aging of society and promote social harmony and stability.
Conclusion: The pension reform in 2024 is coming, aiming to provide more solid pension security for the elderly. Let us look forward to the in-depth promotion of this reform initiative and create a better life for the majority of the elderly.