Kunpeng Project
BIG NEWS! After the end of the transition period in 2024, will the gap between career and corporate retirement pensions narrow?
As a new type of pension insurance system, endowment insurance plays a pivotal role in the endowment insurance of the whole country.
At present, there is a huge gap between the retirement system and the enterprise retirement system, which has attracted widespread attention.
On this basis, we will conduct an empirical study on China's pension insurance system to explore whether the income difference of pension insurance can be reduced after the expiration of the "ten" transition period in 2025.
Overview of China's pension insurance system.
At present, China's pension insurance system is divided into two categories: retirement and enterprise annuity.
Retirement pension refers to the pension insurance received by retired employees of state organs and institutions, and the retired employees of enterprises receive retired employees of enterprises.
China's endowment insurance and endowment insurance system is to ensure the basic survival of the elderly, but also to share the fruits of economic development.
Analysis of the causes of the difference between corporate retirement and retirement pension.
1.Differences in the system: The pension insurance for enterprise retirees is adopted"National co-ordination + unit"Combined approach, the pension insurance for corporate retirees is adopted"Social unity + personal account"way.
These two methods are different in terms of capital**, investment operation and welfare benefits, resulting in the difference between the retirement of corporate retirees and the retirement of corporate retirees.
2.The payment time and basis are different: due to the relatively high salary level of state organs and institutions, the payment time and foundation of retirement pension are relatively high, and the length of working hours is often determined according to the working time.
Due to the relatively small retirement age and retirement age of enterprise retirees, the salary of employees in some units is relatively small, and the number of years of payment will also be interrupted due to unemployment or job hopping.
3.Degree of economic development: due to the uneven degree of development of the country, some regions and enterprises have a relatively high degree of development, so the pension of retired employees is also relatively high; However, due to the low degree of development of some localities and units, the basic pension insurance system for employees is not perfect.
Five. Changes in the treatment of discrimination after the transition period.
1.Transformation of the system: The state has an understanding of the gap in the pension insurance system, and has made corresponding adjustments on this basis.
For example, increase the basic pension standard for enterprise employees and increase subsidies for enterprise employees.
As a result of the above-mentioned policy adjustments, it is expected that the gap between corporate retirement and corporate retirement will be narrowed during the transition period.
2.Reform of the social security system: At present, the state has carried out a series of changes to the social security system, the main contents of which are: improving the personal account system, adjusting the payment base, adjusting the payment ratio, and implementing national overall planning.
Through the implementation of the above system, it is conducive to the realization of the rational distribution of the basic pension insurance system for enterprise retirees, improve the guarantee capacity of the basic pension insurance system for enterprise employees, and shorten the gap between the enterprise annuity and the enterprise annuity.
3.Economic growth and improved wages: In growing economic conditions, salaries will increase gradually.
This is important for increasing the basic situation of the basic pension insurance for enterprise employees, promoting the improvement of the basic pension insurance system for enterprise employees, and promoting the improvement of the pension insurance system for enterprise employees.
The conclusion is: at present, there is a big gap between the retirement pension and the enterprise retirement pension, but with the policy adjustment, the reform of the pension insurance system and the development of the economy, in the transition period, the income gap between the two will gradually decrease.
However, in order to make China's pension insurance system more fair and reasonable, it is also necessary to ensure the basic life of employees through relevant supporting measures.