Recently, the balance of China's pension insurance ** nearly 6 trillion rushed to the hot search, which has attracted widespread attention. Officials told the public that there was no need to worry about pensions.
This news reminds me of a new type of industry that has emerged in the past two years - full-time children. I don't go out to work, I stay with my family full-time, and the elderly at home pay my salary every month. Nowadays, there are many young people who work hard every day, but their monthly salary is low, and they can only change their food and clothing, which is not as much as the pension of the elderly in the family.
At work, you often face the problem of layoffs and downsizing, and as a result, you may not get as much money as the elderly in the family, nor do you have his stability. And his pension rises every year, and you don't change for several years, and even get a salary cut. Why is this happening?
The author pondered the following points:
Old-age security system design
First of all, part of the reason for the phenomenon of higher pensions than young people's wages is the pension insurance system in our country. Pension insurance is a system based on social pooling, which aims to ensure the basic living needs of the elderly. Under this system, employees pay a certain percentage of their monthly wages as pension insurance premiums, and employers also contribute a corresponding percentage for them.
This contribution forms an endowment insurance**, which is used to pay the pension of retirees. Since the payment of the pension is based on the proportion of the individual's contributions and the level of the salary, the pension may be higher than the salary in the case of a relatively low personal salary.
Population ageing
Secondly, the fact that pensions are higher than young people's wages is also related to demographics. China is in the process of population aging, and the proportion of the elderly population is gradually increasing. This means that pension spending is likely to grow faster than the contributors. In order to ensure the basic livelihood of the elderly, the level of pension payment may be increased accordingly, resulting in a situation where the pension is higher than the salary of the young.
The result of hard work
In addition, there are social factors that can also affect the fact that pensions are higher than young people's wages. For example, older people may have more opportunities to enjoy wage increases and career advancements while working, resulting in a relatively high level of pension after retirement. At the same time, with the development of social economy, the cost of living of the elderly is also rising, so it is also necessary to appropriately increase the level of pensions to cope with inflationary pressure.
The poor structure is a cause for concern
However, the fact that pensions are higher than young people's wages has also raised some doubts and controversies. On the one hand, for young people, they need to bear the high cost of pension insurance, but they cannot enjoy the matching pension treatment. This can lead to dissatisfaction and concern among young people about the pension system. On the other hand, although the balance of pension insurance** is good news, it also needs to be carefully managed and used rationally to ensure the long-term sustainable payment of pensions.
There is still a long way to go
To sum up, the phenomenon that China's pension is higher than the salary of young people is the result of a combination of factors. It not only reflects some characteristics and challenges under the current pension insurance system, but also highlights the social and economic problems brought about by the aging of China's population. Therefore, we need to further explore and improve the pension insurance system to find a more fair and reasonable solution to ensure that the pension treatment of the elderly and young people can be balanced and sustainable.
The above is the author's summary of China's pension than young people's wages are higher than the three reasons, if you have different opinions, you are welcome to communicate in the comment area.