After the merger of the pension system in 2024: the exploration of the path to solve the pension gap.
With the continuous development of China's social economy, the issue of pension has become increasingly prominent, and the reform and improvement of the pension system has become the focus of public attention.
Especially after the merger of the pension system in 2024, how to solve the resulting pension disparity has become a major issue that we must face and solve. This paper will analyze the current situation and causes of pension differences after the merger from the background of the merger of pension systems, and then solve the path of pension differences, aiming to provide reference and reference for relevant policy formulation.
First, the background and significance of the integration of the pension system.
The merger of the pension system refers to the merger of the basic old-age insurance for urban workers and the basic old-age insurance for urban and rural residents to form a unified basic old-age insurance system. This reform measure aims to eliminate institutional fragmentation and improve the fairness and sustainability of pension insurance. Through the merger, we can better protect the pension rights and interests of the majority of workers and promote social harmony and stability.
Second, the current situation and causes of pension differences.
After the pension merger, due to various factors such as historical reasons, regional differences, and industry characteristics, there are still certain differences in pension levels. Specifically, it is manifested in the following aspects:
Regional differences: There are large differences in the level of economic development and fiscal revenue in different regions, resulting in obvious regional differences in pension levels.
Industry differences: The average salary and contribution ratio of employees in different industries are different, which makes the pension level of different industries quite different.
Occupational differences: There are certain differences in pension benefits between civil servants, personnel of public institutions and employees of enterprises, which affects social fairness to a certain extent.
Third, the path to solve the pension difference.
In view of the pension disparity, we can start to solve it from the following aspects:
Improve the pension adjustment mechanism: establish a pension adjustment mechanism linked to economic development, price changes and other factors to ensure that the actual purchasing power of the pension is not affected. At the same time, increase financial support for underdeveloped areas and increase the level of pensions in these areas.
Strengthen the investment and operation of pension insurance: by increasing the investment rate of pension insurance, increase income, and provide strong support for improving the level of pension.
At the same time, strengthen the supervision of the investment and operation of pension insurance to ensure safety.
Promote the national overall planning of pension insurance: gradually realize the national overall planning of pension insurance, break down regional barriers, and eliminate regional differences. Ensure the fairness and sustainability of pensions through nationwide fund transfer and risk management.
Reform of pension planning and payment methods: explore the establishment of a more fair and reasonable pension planning and distribution methods, and comprehensively consider factors such as individual payment years, payment amounts, and average wages, so as to make pension treatment more fair. At the same time, it is necessary to gradually narrow the gap between the pension benefits of civil servants, personnel of public institutions, and employees of enterprises.
Strengthen publicity and education: improve the public's awareness and understanding of pension insurance through extensive publicity of pension insurance policies and systems. Guide workers to reasonably plan their own pension plans and improve their awareness of self-protection.
4. Conclusions and prospects.
After the integration of the pension system, it is a long-term and arduous task to solve the problem of pension disparity. We need to start from many aspects, constantly improve the pension system, improve the level of pension, and ensure that the pension rights and interests of the majority of workers are fully protected. At the same time, we also need to realize that the reform of the pension system is a complex and systematic project, which requires the joint efforts of all sectors of society to form a joint force. Looking forward to the future, we have reason to believe that with the joint efforts of all sectors of society, the pension system will continue to improve, and the problem of pension differences will be effectively solved, laying a solid foundation for building a fairer and more harmonious society.