The peak of China's retirement boom may cause problems
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Thank you very much for your interest! Those who know a little about history may know that the period from 1959 to 1961 was the three years when our country suffered the most serious natural disasters.
The country is facing a crisis of food and non-staple food shortages, and many people are living a "hard life".
In 1962, with the improvement of the general environment, the depression in people's hearts was swept away, and the enthusiasm for childbirth increased. This year, the number of births in the country soared by 15.02 million to 24.51 million, and in the following decade, the enthusiasm for childbirth was still high.
2023 has arrived, and for those born after 1962, they are about to enter the 60-year-old mark and enter the peak of retirement. This means that the social problems that existed in the past will be further highlighted.
Fairness of retirement policy adjustment: According to China's retirement policy, when incumbents increase with age and their physical functions deteriorate, they can apply for retirement, which is a fair decision made based on the social and national environment.
As long as you used to make social security contributions on time, retirement can be comfortable. Therefore, retirement does not mean the end, but a new beginning.
Although a high standard of living is our common pursuit, the reality of the "birth rate" is like a roadblock, blocking our way to achieve this goal.
The reason is that with the continuous increase in the cost of living, although the post-80s generation has experienced various ups and downs, for the post-90s generation, which is the main force of childbirth, this has become a heavy responsibility that they are unwilling to bear, so the birth rate has shown a low trend.
In order to increase the number of working people and promote the country's economic development, we have to postpone retirement and give up the retirement benefits for men who could have retired at the age of 60 and women who retired at the age of 50 or 55.
Our country is about to usher in the peak period of retirement, and it is expected that from 2026 to 2033, there will be 3100 million people have entered retirement and enjoyed the benefits of the national medical insurance policy.
The efficiency of China's social operation may be reduced due to demographic changes, especially in the case of an increase in retirees, which may lead to a decrease in the labor force.
If this situation continues, our society may change from a situation in which 900 million people maintain the normal operation of society and feed 500 million people to a situation in which 500 million people maintain the operation of society and feed 900 million people.
The state is actively promoting the reform of the fertility policy to solve the problem of labor shortage. This problem arises because our country made great contributions to the country's industrialization process during the peak population period from the 60s to the 70s, but now this group of people has retired, and the subsequent labor force is insufficient, which may bring two serious social problems to our country.
2. Social Problems and Challenges 1. Although China's pension distribution is good, new retirees join every year, with the improvement of the quality of life and the continuous improvement of the medical security system, the pension demand of retirees continues to grow, which has brought great pressure to China's finances.
With the decline in the fertility rate, the working-age population is gradually decreasing, the enthusiasm of young people to pay social security is not high, and many small companies do not pay social security according to the regulations, which have led to the gap in pensions expanding year by year.
If the number of retirees increases significantly in the future, the pressure on pension spending will also increase accordingly, so how should this gap be filled?
2. At present, the phenomenon of labor shortage in society is becoming more and more serious, and many young people are unwilling to engage in or lack corresponding skills, which may affect the normal operation of some basic work, and may even lead to chaos in social order in a short period of time.
In order to ensure the stable operation of society and the basic livelihood of the majority of people, the state is considering postponing the retirement age to increase the labor force. It's a way for some people to continue to use their professional skills and contribute to society.
In addition, the delay in retirement age can provide income for this segment of the population**, and it is also something to be encouraged.
There is a belief in our traditional culture that no matter what kind of problem we encounter, we can always find a solution. With a large number of people retiring, new career opportunities arise.
Even if some industries shrink due to a declining population, new jobs can make up for it.
With the advent of the retirement tide, the pension industry has gradually become a high-profile sunrise industry. In the context of social aging, more and more elderly people have begun to pay attention to their pension problems.
In response, senior care centers have been set up in various regions to meet the needs of the elderly. These elderly care centers focus on humanized design, set up various interest classes according to the interests of the elderly, and provide medical services, making the elderly life both healthy and interesting.
For seniors whose children are not around, nursing homes not only provide the care they need, but also give them the opportunity to make new friends and enrich their lives.
In general, the development of the pension industry not only meets the needs of the elderly, but also has a positive impact on the society. With the improvement of people's living standards and the enhancement of health awareness, the prospects of the pension industry will be broader.
After the peak of retirement, senior care centers are challenged to expand their accommodations to improve the comfort of the elderly. At the same time, the development of the pension industry may lead to a trough in real estate, a trend that has been manifested in events such as Evergrande's bankruptcy.
Relying on oneself is the best protection, whether it is the post-60s, post-70s or post-80s, they all pin the security of retirement life on the young generation in the future. However, with the decline in the birth rate of the population, the birth rate of the post-20s has made many people panic, so how much hope do the post-30s have for retirement?
Only you are the most reliable to rely on. If you can't rely on your retirement fund, then save more money while you're young and invest in some financial products with long-term stable returns.
Maintain good health and reduce the number of visits to the doctor, as it is expected that in the future there will be staff shortages in senior care centers, thus reducing the burden on the state. Accumulate money and avoid buying low-cost goods, and the sooner you start preparing, the more likely you are to achieve your goals.
Experts suggest that the principle of fairness should be adopted for the issue of pension payments. During their employment, each person is compensated accordingly for their contributions. After retirement, everyone's contribution is the same, so a pooled pension system can be implemented, stipulating that each person's pension is between 3,000 yuan and 5,000 yuan.
This approach can both alleviate the problem of aging and solve the problem of pensions, which can be described as killing two birds with one stone.