Pension management: the rationality of the use of funds for the elderly**.
* Farmers' old-age security is insufficient.
In both urban and rural areas, peasants receive very little pension of just over 100 yuan a month, which is simply not enough for them to live. Therefore, the elderly who only get more than 100 yuan a month should be careful and spend the money on the minimum life.
A word of advice to those who are older, is not to waste it, because that little money is simply not enough to spend. Most of the elderly are retired at home, most of them grew up in the countryside, and the pension of about 100 yuan per month is their entire income. Therefore, they have to work well with their own money to ensure their daily expenses and not other uses.
Based on a pension of more than 100 yuan per month, it costs 35 yuan to buy a barrel of oil every month; 25 kg a pack per month, about 65 yuan; I have to buy 30 eggs every month, about 18 yuan, and about 30 yuan for two catties of meat. Their pensions are almost exhausted, and some are not even enough.
Of course, the elderly who live in the countryside still have to grow some vegetables and collect some firewood to cook and eat. In this way, people's survival needs can be met. However, due to the hobbies of some elderly people, such as smoking, drinking, playing cards, etc., they have to rely on their children to sponsor them, or they have to figure out how to do it themselves. With a pension of only more than 100 yuan a month, it cannot be used for other purposes at all, only enough to maintain the minimum living expenses, and it is not even enough to see a doctor or take medicine. As for the clothes and quilts, they are all made by the children themselves.
The problem of excess pensions for urban retirees.
Compared with the elderly population in rural areas, the basic pension of the urban elderly population exceeds 2,000 yuan, and the basic living standards of urban and rural residents are relatively high. These seniors also receive a surplus monthly pension to cover their daily expenses. Once you get sick, you can reimburse a small part of the medical expenses through medical insurance, and your financial pressure is very small and you can bear it yourself. Compared with ordinary farmers, citizens who have participated in social security have a much better life after retirement, which can be described as "worry-free in their old age".
Pensions in the city sometimes exceed their living needs, some are used to subsidize their children, and some are used for personal hobbies, such as playing cards, entertainment, traveling, collecting, and so on. At the same time, this pension can also cover social expenses. All in all, this type of elderly people not only have enough pensions, but also have a surplus pension, which can improve their quality of life and make them happier.
An overview of your own perceptions and experiences.
It can be seen that the distribution of pensions of retirees in China is unbalanced. For the elderly in the cities, their pensions are more abundant, and they have more room for consumption and enjoyment, while for the elderly in the countryside, their pensions are very small, only enough to maintain the most basic living needs.
The author believes that China should intensify the pension insurance for peasants and improve their living standards. It is suggested that the level of old-age security for the elderly in rural areas should be appropriately increased, their disposable income should be increased, and their living standards should be improved. On this basis, it is necessary to establish a sound social assistance system and increase assistance to the impoverished population.
At the same time, in the process of using endowment insurance, it is necessary to establish a correct concept of finance and expenditure. Regardless of whether the pension is high or low, the elderly should plan and use it properly to ensure that they can sustain themselves for a long time. On the other hand, according to their own specific situation, they should not spend money blindly and indiscriminately, so as to ensure the efficient use of basic pension insurance funds.
Through the cooperation of family, society and the world, we firmly believe that the problem of elderly care will be gradually alleviated and solved, so that every elderly person can live a happy and healthy old age. It is hoped that the whole society will give more care and support to the care and support of the elderly. Let's work together to create a better environment and conditions for the elderly!