With the development of society and the diversification of the employment situation,The number of people in flexible employment is increasing year by yearThe old-age security problems they face are also becoming increasingly prominent.
In the face of this challenge, China has decided to carry out a major reform of the pension security system for flexible employees in 2024. The reform will introduce a new calculation methodology that aims to more comprehensively guarantee the quality of life of these flexibly employed people after retirement.
According to statistics, by the end of 2023, the number of flexible employees in China has been reached2.500 million people, accounting for nearly one-third of the total employed population. However, according to the survey,At present, the participation rate of flexible employees in China is only 30%, far lower than the 90% of employees in fixed positions.
Moreover,The contribution base and the number of years of contribution for flexible workers are also generally low, resulting in their pension level being much lower than the average level of employees in fixed positions. In addition, the frequent job changes of flexible workers make it difficult for their pension insurance accounts to be transferred across regions, which also affects their pension accumulation.
Specifically, the reform will be carried out in the following aspects:
The new pension calculation method, taking into account the comprehensiveIndividual contribution period, contribution base, wage growth rate, price indexand other factors.
A flexible contribution system that allows people to work flexibly according to their financial situationChoose the payment base and payment frequency independentlyAt the same time, they are encouraged to increase the amount of contributions and the number of years they have paid to increase the level of pensions.
A convenient transfer system makes it possible for flexible workers to have pension insurance accountsCross-regional, cross-industry, cross-unit transferto ensure that their pension will not be interrupted or reduced due to a change of job.
Specifically, the new calculation method will use the following formula:
Pension = (accumulated savings in personal account + accumulated interest in personal account) Number of months + basic pension
Among them,Accumulated storage amount in personal accounts and accumulated interest on personal accountsThey are the sum of the pension insurance premiums paid by flexibly employed persons during the insurance period and the interest accrued thereofThe number of months is calculatedis the expected retirement life expectancy of a person in flexible employmentBasic pensionIt is the minimum pension standard provided by the state for those who are flexibly employed.
The new calculation method has two features:
One is to be fairer: The new calculation method will be fully taken into accountCharacteristics of flexible workers, such as unstable income and frequent job changesand so on, and formulate payment and treatment policies that are more in line with their actual situation.
Whether it is the length of working years, the level of social insurance contributions, or the difference in wage growth rates, they will all be taken into account to ensure that everyone can enjoy the retirement benefits they deserve according to their actual situation.
The second is to be more sustainableThe new calculation method will effectively improve the financial situation of the old-age security system and ensure its long-term stability. By introducing dynamic factors such as wage growth rate and price index, the new calculation method will enable the pension level to be adjusted in a timely manner with the development of the social economy, maintaining the purchasing power and real value of the pension.
At the same time,By setting up a basic pension, the new calculation method will guarantee a minimum level of pension for people who are flexibly employed, preventing them from falling into poverty.
Jingshu Comments:In general, the 2024 New Pension Deal is an institutional innovation that has far-reaching significance for flexible employees, providing them with better pension security and retirement life. It is hoped that flexible workers will be able to actively adapt and participate in the New Dealto contribute to the development of oneself and society.
At the same time,** and all sectors of society should also increase their attention and support for people in flexible employmentand jointly promote the development of China's old-age security.