Pension is the main income after retirement**, which is of great significance for ensuring the quality of life and social stability of the elderly.
However, there are many problems in China's current pension system, such as the payment pressure brought about by the aging population, the unfairness of pension treatment, and the imperfection of the pension system, which need to be reformed urgently.
Recently, a boiling suggestion has been uploaded on the Internet: from 2024, it is recommended that China implement a new system of pension according to seniority.
As long as the working experience reaches 25 years, you can receive a pension of 3,800 yuan per month, without waiting for the statutory retirement age.
This recommendation is to address individual differences and better match individual working hours with pension benefits.
False information has caused the masses who do not know the truth to discuss, and officials from all over the country have come forward to refute the rumors.
Why does disinformation attract attention?
The current situation and challenges of the pension system
China's current pension system is mainly composed of three pillars: the first pillar is the basic pension insurance, the second pillar is the enterprise annuity and occupational annuity, and the third pillar is the personal savings pension insurance and commercial pension insurance.
Among them, the first pillar is the main body, covering nearly one billion people, the second pillar is supplementary, covering more than 58 million people, and the third pillar is auxiliary, covering 470,000 people.
This seemingly stable "edifice" has faced several challenges:
The tide of population ageing:According to **, by 2024, our country's elderly population will exceed one-fifth of the total population, reaching a staggering 2800 million.
This means that the pressure on pension payments will increase rapidly, and the current pension system must face sustainability issues, which is undoubtedly a serious test.
The balance of pension benefits is not balanced:The current pension system has differences in treatment between regions, industries and units.
For example, the average level of basic pension for urban workers in China is more than 2,950 yuan, the highest area reaches more than 5,000 yuan, and the lowest area is only more than 1,800 yuan, with a difference of nearly 3,200 yuan.
There is still room for improvement in the pension system:The current pension system is not satisfactory in some aspects, such as the lack of effective incentive mechanisms, the failure to reflect the principle of "pay more, pay more, pay more for a long time", and do not fully take into account the nature and risks of individual work.
This makes the pension system slightly stiff in adapting to changes in the socio-economic environment.
Why do the rumors attract attention? What's the point?
It is mainly aimed at some problems of the current pension system, and is committed to improving the fairness, convenience and adaptability of the retirement benefit system.
Specifically, its significance can be divided into the following:
It can improve the fairness of the retirement benefit system:If pensions are paid according to seniority, then employees' work contributions and contributions can be more accurately reflected, and the gap between different positions and salaries will be narrowed, so as to ensure that everyone gets what they deserve.
The pension management process and calculation method will be simplifiedPension payments based on length of service can simplify cumbersome management processes and calculations, reduce administrative costs, and reduce errors, thereby improving efficiency and accuracy.
Helps to adapt to socio-economic changes and meet the needs of different groups:For example, some people are early employed, work intensive, and have a short life expectancy, and they can choose to retire early to enjoy more rest time;
For those who are late-stage employed, have strong work ability and live a long life, they can choose to delay retirement and continue to play their value.
There is a heated discussion on the Internet about "pension according to seniority".
Society's reaction to the new proposal of "seniority-based pensions" has been divided, with voices from different positions rising one after another, highlighting the complex relationship of interests and values.
Support Perspective:There is a group of arguments that the distribution of pensions based on years of service is a fair and practical reform strategy.
In the eyes of these people, this proposal can effectively smooth out the current pension imbalance, while providing stronger work incentives and hopefully delaying retirement, thereby improving the sustainability of the entire pension system.
They stressed that such a plan is in line with the core values of society, demonstrates fairness and justice, conforms to the trend of economic development, and is a manifestation of reform and innovation.
Opposition perspective:Others oppose it, arguing that it is unfair and irrational to use length of service as the main criterion for pension payments, and that it is false news at first glance.
In their eyes, the change could depress the overall level of pensions, ignore the differences in the quality of work and living needs between individuals, and could weaken the functioning of existing social security.
Opponents warn that such proposals could undermine the spirit of the social contract, undermine the credibility of the pension system, violate the principle of socio-economic pluralism and undermine the flexibility of the system.
Prospects for the future development of the pension system
In the face of the coming aging society, the pension system must gradually adapt to the new social situation, through in-depth research, reasonable design and careful implementation, to ensure the realization of a fair and sustainable pension security network.
The reform and development of the pension system should follow the principles of fairness, efficiency, sustainability and flexibility, and adopt the strategy of improving the first pillar, developing the second pillar and cultivating the third pillar, so as to achieve a balanced and stable pension, ensure the quality of life and happiness of the elderly, and promote social harmony and progress.