Recently, Liang Jianzhang, a domestic economic demographer, said in an interview that the aging trend of the Chinese population is intensifying, and the elderly can receive a good pension now, but this is certainly unsustainable. Thirty years later, the pension will be halved; Otherwise, postpone retirement until the age of seventy or eighty.
This news has undoubtedly brought more pressure and unease to young people. Not only do they have to deal with an increasingly tough employment situation, but they also have to deal with longer careers and later retirements. As soon as these words came out, netizens blew up.
Some netizens said that I have no hope for social security and medical insurance in my 90s, I am afraid that I will hang up before I retire, you are retired at the age of seventy or eighty, and I have to live enough to be 150 years old!
Some netizens also sent itSoul "Three Questions":I can't get a pension until I'm 70 or 80 years old, and I want to ask three questions. First, what is the significance of this group of people paying social security? Second, will this group of people who eat so many pre-made dishes live to be seventy or eighty years old? Third, can you be seventy or eighty years old if you have a job in China? What happens to those who lose their jobs after the age of 35?
Many people know that China's current pension system is called "pay-as-you-go system". To put it simply, it is the pension to be paid this month, mainly from the pension that has just been collected this month.
Some netizens pointed out that there is a high pension after retirement, because it is raised in advance after paying taxes, and who will support it after retirement? Count on the after?
Why do you have to pay for it later? The people behind must live long? Life must have a quality of life, even if you live a long time, your hands-on ability will be reduced, and the older you get, the lower your quality of life will be.
In fact, to solve the problem of pension making ends meet, there is not only one way to delay retirement. In fact, the biggest problem is that the distribution of pensions is unreasonable, and the gap is too big.
A heart-wrenching statistic,There are 6.35 million people with pensions of more than 10,000 yuan, while less than 5 million people work with a monthly salary of 10,000 yuan, six or seven to raise one, how can it be both affordable and sustainable?
As some netizens said, the pensions of civil servants and public institutions are almost more than 10,000 yuan, private enterprises are only 2,000 yuan, and farmers are only 100 yuan.
Actually,The best way to solve the dilemma of pensions is to "limit the high and raise the low".It is necessary to raise the pensions of peasants and enterprise workers and limit the high pensions in some industries. Some people retire and get 10,000, and some people retire and get 2,000, why do they have to divide 369 and so on?
In an interview with CCTV Finance, Professor Chen Bingzheng of the Department of Finance of Tsinghua University talked about the topic of pension, he said: If young people do not consider the issue of pension until they are 35 years old, it is actually too late, and they should consider and implement pension planning earlier.
Under the pension "pay-as-you-go" system, with the declining birth rate, the pension is bound to be unsustainable, and one day the current balance will not be achieved, and the gap will become bigger and bigger.
According to the "China Pension Actuarial Report 2019-2050" released by the Chinese Academy of Social SciencesChina's basic pension insurance** will peak in 2027 and the cumulative balance will be exhausted around 2035.
This means that if the pension system has not been able to find a way to complete the transformation before 2035, it will face a more severe pension problem from the "post-70s".
Everyone is used to letting ** take care of the elderly, and when they are old, it is good to find ** to receive a pension. However, times are different, and one day, the issue of pension will become a real personal problem.
Pensions are not making ends meet, which is a worrying phenomenon and a major challenge for the current society. As the aging population intensifies, the pressure on pension payments is increasing, and income is struggling to keep up with the pace of spending. This has called into question the sustainability of pensions and raised concerns about the future of retirement.
In the face of the reality of delaying retirement, we also need to be mentally prepared and planned. For example, you can increase your wealth accumulation by saving, investing, etc., and prepare for your future retirement.
In addition, you can also increase your career competitiveness by improving your professional quality and skill level, so as to obtain better career development and higher income.