The wish of most workers is to retire as soon as possible and live a comfortable and free life with the pension issued by the state, without the need to withstand the cold wind and heat 996.
According to the data, there are currently more than 130 million retirees in China, and with the emergence of the retirement wave in recent years, this number will continue to increase in the future.
For those who have already retired, the size of the pension determines the overall quality of life after retirement
If the pension level is not high, even if you have reached the national statutory retirement age, you still cannot enjoy your old age, but you have to continue to work outside in order to increase your income.
Some people said that the amount of pension is not fair, because he saw with his own eyes that the old man in the neighborhood was holding a red book, and his life was very nourishing every month.
The retirement certificate in my hand is blue, which is lower than the red level, so I can't get much pension every month. Retirement certificates are graded by color? What's going on here?
Uncle Liu from Shandong retired this year, and dozens of colleagues from his unit have applied for retirement certificates together. They were all born around 63, and I heard that there were many more people in other units who were retiring at the same time, and they could almost form a small community.
This is known as the "retirement boom". Since the founding of the People's Republic of China, China has experienced three more obvious baby booms, among which the old people born in the 62-75 years period have entered the age of 60 to meet the national statutory retirement age.
In other words, this is just the beginning, and there will be a large number of retirees in the next decade or so.
At present, the number of retirees in all provinces of the country has surged, and many provinces have reached the level of one million people every year. The number of people in Beijing and Jiangxi exceeded 3 million, Guangzhou reached 7 million, and Zhejiang soared to 9 million, with a trend of breaking 10 million.
There are more and more retired seniors, not only the requirements for the pension pool have increased unprecedentedly, but also test the security system of the whole society for the old-age.
According to Fudan experts' statistics, this retirement wave may lead to an additional 20 million people receiving pensions across the country every year, and at the same time, China's labor force will be reduced by 3 million to 5 million per year.
The pressure on pensions is increasing day by day, and the social security payment base has to be increased accordingly.
The old-age security system of the whole society is also being tested. As the world's second largest economy is on the rise, does China have the ability to bear the weight of this retirement wave?
**Released three pilot areas for the "Silver Economy", where emphasis will be placed on increasing pension policies and facilities. For example, the construction of general hospitals, the increase of security facilities for the elderly, the establishment of cultural and entertainment tourism products according to the preferences of the elderly, and so on.
To a certain extent, this can change the existing social pension structure and add more possibilities to the future pension model.
However, the most direct benefit for all retired seniors is pension, and the amount of pension can determine the quality of life after retirement.
The pension ratio will be ** every year, but the initial base is not high, which is like a drop in the bucket, so most elderly people are still most concerned about the pension level. Is it true that retirement certificates are now graded by color, and there is a big difference between different levels of pensions?
Retirement certificates, like ID cards and driver's licenses, are issued to individuals by the relevant state departments.
With this certificate, it means that the person officially retires from the post and can enjoy the pension benefits issued by the state, which is also an affirmation of his successful work in the post to the deadline.
At the beginning of the 20th century, China's social pension system was gradually established, in order to better manage retirees and issue pensions, the relevant departments specially printed retirement certificates.
With this certificate, you will be able to receive your pension every month at the corresponding place. Since then, the retirement certificate has gone through several periods, and gradually there is a color distinction, and there is a "grade difference" in the mouth of the public, what is the fact?
In fact, the retirement certificate was originally set to crimson to symbolize "Chinese red", which was also inspired by the national flag and national emblem.
The first batch of retirees participated in the construction of New China, and the meaning given to them by red is far more than a pension, but a kind of gratitude and affirmation for their selfless dedication and efforts.
At the beginning, only the personnel of the enterprise unit could receive this certificate, which is the "iron rice bowl" work in the eyes of most people.
In the eyes of the people of that era, red was a revolutionary spirit, and no matter how much pension it was, it represented the honor given by the state. Over time, everyone has a yearning for the red retirement certificate, thinking that only those who have a stable job and "eat the national meal" can get it.
Later, the retirement mechanism underwent different reforms, and the color of the retirement certificate also changed in various places. From the original crimson color, it has become fuchsia, blue, and green.
Along with this, there are rumors that the color of the retirement certificate is different, the level is different, and the pension issued is also different.
In fact, the color of the retirement certificate is related to some things, but it has nothing to do with the level, let alone the pension level. Generally speaking, the red retirement certificate represents ordinary workers, whose work is ordinary but honorable, and red is also a kind of praise.
The blue retirement certificate represents a public institution or civil servant. They belong to state officials, and they serve the "iron bowl of rice" in the eyes of the public. Due to the relatively long payment time and stable amount, the pension after retirement is generally higher than that of ordinary people, and the proportion of annual ** will be higher.
The green retirement certificate represents retirees in special positions, such as soldiers, firefighters, or police officers. The nature of the work of these people is quite special, and when they are on the job, they defend the country and protect the people, and the work risks are relatively large.
Therefore, after retirement, you can get a certificate with a special color, and at the same time, social welfare should also be improved, especially for those who have made significant contributions in their posts.
In addition to this, the color of the retirement certificate is also different in each region. This is because the system has changed, from the unified issuance of retirement certificates to the spontaneous initiative of local human resources and social security bureaus.
Each region has its own preferred color, so retirement certificates in various colors such as red, blue, and green have appeared on the market. This does not represent the level of pension, and it does not have to do with the specific amount of pension paid.
Since the color of the retirement certificate has nothing to do with the level of pension, what factors can directly affect the pension? Why can others get more pensions for the same type of work, but they only have a basic pension every month? Next, let's take a closer look at the components of a pension.
China's current pension system can be succinctly summarized as "pay more, pay more, pay more". The pension payment base is divided into several grades, and most units will pay according to the lowest level in order to save money, so that there will be no particularly high pension after retirement.
Some people will choose the highest level in order to get more money when they retire, and they usually pay more basic pensions.
According to the regulations, the pension payment is 15 years to meet the requirements, and the retirement pension can be received after reaching the age of retirement. However, the pension you can get for 15 years and 25 years is completely different. According to the principle of paying more and getting more, the latter will naturally get more pensions.
That's why, even if colleagues in the same unit, the pension of employees who retire is far less than that of employees who retire later.
In addition, the pension is also related to the average social wage at retirement and the retirement age. Each person retires in a different year, and is basically calculated based on the average social wage of the previous year.
In some places, the economy is developed, the average salary is relatively high, and the base for calculating pensions is also high. Relatively backward areas will be lower.
With the advent of population aging and retirement, the issue of social pension has once again been hotly discussed. In order to meet the needs of more retirees in their old age, the social security base is increasing every year. If the number of retirees increases in the next ten years, how should the pension pool gap and the social pension pressure be solved?
Many young people say that the pressure is too great, the competition is fierce, the salary is decreasing year by year, and the social security is still year after year**. Everyone's desire to have children is getting lower and lower, and perhaps when this group of young people gets old, there will be no concept of "pension". For this reason, many people do not want to pay pensions, so is it necessary to pay this money?
Personally, I think it's still necessary. China entered an aging society as early as the beginning of the 20th century, and the pension policy has remained unchanged for so many years, confirming that this is a relatively stable and long-term development strategy. Before finding a better pension model for the time being, paying social security is still a relatively mainstream form.
In the context of the declining birthrate, many people may not have offspring, and when they have no children to support in their old age, retirement pension is particularly important. When paying social security, the unit contributes the majority, and the amount of money to be paid by the individual is relatively small, and the overall cost performance is higher than that of commercial insurance and financial management. Even if the salary you get after retirement is not high, you can still have a stable income.
With the advent of the "retirement tide", the number of retirees is increasing day by day, and the level of pension has become a topic of national concern. Recently, some people have found that their retirement certificates are different colors from other people, so there is a saying that "color distinguishes grades".
In fact, this claim is unfounded. At present, the retirement process has been placed under the local human resources and social security bureaus, and each region has its own considerations, and the color of the retirement certificate is also different. No matter what color the retirement certificate is, it means that the person has retired, and there is no other special meaning.
There are a number of factors that are really linked to the level of pensions, among which a high base, a long payment period and the average local wage level are more important. If you want to have more pensions after retirement, you can choose a high-end base when paying social security, or delay retirement to extend the payment time.