Recently, there has been a lot of talk about pension on the Internet.
Some netizens pointed out that now they have worked hard all their lives, and when it comes to retirement, they will not even receive half of the pension, which is really true.
Not long ago, Dong Keyong, a professor at Chinese People's University, mentioned that China's current pension replacement rate is only 43%.
What does this data mean? The pension replacement rate is the ratio of the pension after retirement to the income before retirement, for example, if you have a monthly salary of 10,000 now, then your pension after retirement is only 4,300.
4300 seems to be a lot for retired old people, but if you think about it, prices will rise, and it is inevitable that you will be sick when you are older, and medical expenses will be indispensable at that time.
What's more, it is ideal to get a pension of 4,300 with a monthly salary of 10,000, and the pension replacement rate is calculated according to the social average, for example, the elderly are roughly divided into several classes.
Ordinary rural elderly people don't know what the pension is, they receive more than 100 yuan a month, and the old people who used to work in private enterprises now have about 1,000 pensions, and only state-owned enterprise employees, civil servants and teachers can eat financial meals, and the pension can exceed 5,000, and even tens of thousands are not uncommon.
Of course, in the end, the average pension replacement rate is 43%, but when it comes to individuals, how your retirement life is, no one can say.
According to the example of developed countries, if you want to live a bleak life in old age, then the pension replacement rate must reach at least 60%, and if you want to live a better life, then at least 70%.
At present, there are three main pension systems in the world, the first is pay-as-you-go, that is, how much is the pension of the retired elderly, and the corresponding contribution share of the showdown to the young people, the pension you pay now is not for your future self, but for the elderly who are now retired.
The second is the complete accumulation system, the pension paid when you are young are stored in the personal account, and then you receive it regularly when you retire, the advantage of this pension system is that you don't have to worry about the future population decline and aging, and the disadvantages are also obvious, and it is not friendly to the income group.
The third is partial accumulation, which can be regarded as pay-as-you-go and full accumulation.
Our country mainly implements pay-as-you-go, to put it bluntly, how about your retirement life, you have to count on the future young people to give no force, and wait for you to retire whether you can still pay enough shares.
But considering the current birth population and the existing pension gap, I think that today's young and middle-aged people want to live a good life after retirement, which is really enough.
You can't blame young people for not having children, after all, the pressure is so great now, prices are rising, housing prices are expensive, jobs are difficult to find, and the salary is not high.
In 2022, there are 2800 million, accounting for 19 percent of the current population8%。
According to the current age structure of the population**, by 2053 the number of elderly people will reach 48.7 billion, 1 3 of the total population.
The reality is also difficult to be optimistic, now is almost the time when the working population is the largest, but pensions have to rely on financial transfers, really to the arrival of the aging era, then it is not a question of how big the pension gap is, but whether the pension will be exhausted, and whether the financial transfer can fill such a big gap.
Many experts have put forward the postponement of retirement, although no one likes this topic, but considering the future pension gap and the pressure of the aging population, this seems to be the only solution to maintain the pension from bankruptcy, but no matter how to extend the retirement there is a limit, the average age in China is up to 70 years old, but in the face of the general trend of population aging, still can not reverse the problem.
One might ask if there is a way to solve this problem? The answer is that there is still no solution, and Western developed countries can rely on immigration to promote population growth, which will definitely alleviate the pressure on pensions, but Chinese society lacks diversity and tolerance, so it is unlikely to attract large-scale immigration.
The only possible way may be to count on industrial upgrading, as well as to further promote the reform of the pension system, which may be able to alleviate the pressure on pensions in the future. Kunpeng Project