China is rapidly facing the challenge of an aging population, and according to the materials provided, our country has 2With an elderly population of 800 million, China has one of the largest elderly populations. This phenomenon, accompanied by an increase in the elderly population, has raised concerns about insufficient pensions, which has given rise to discussions among experts recommending that the retirement age be adjusted as soon as possible. This article will illustrate the urgency of delaying retirement from an economic and real-life perspective, and use some real-life examples to support this point of view to highlight the importance of this issue.
First, let's look at this from an economic perspective. With the increasing aging of the population, the pension system is facing serious financial pressure. Pensions support retirees through social insurance contributions from current workers, while an increase in the elderly population means an increase in the number of retirees and the need for the social insurance system to pay more pensions. However, the current level of pensions is already difficult to meet the needs of retirees while maintaining the current retirement age. This has led to a pension gap, which is widening.
A real case is that in recent years, some cities have begun to face the problem of pension payment difficulties. For example, Shanghai's pension** has been experiencing negative growth for many years, and Guangdong Province has also had a situation where pensions cannot be paid on time. The root cause of these problems is that pension expenditures far exceed the contributions of social insurance**, which poses a huge challenge to the sustainability of the social insurance system.
In addition, from a real-life perspective, raising the retirement age can also have a range of positive effects. First of all, delaying retirement can reduce the burden of pensions and reduce financial pressure, thereby ensuring the sustainability of pensions. Second, delaying retirement can encourage older people to continue to participate in the labor market, increase their economic independence, and reduce their dependence on social benefits. This helps to improve the quality of life of older people and reduces the burden of social welfare spending.
A case in point is Japan's successful experience. Japan is one of the most aging countries in the world, and they began to gradually raise the retirement age in the 90s of the last century. This initiative will not only help improve the sustainability of pensions, but also allow the elderly in Japan to continue to play a role in the labor market. Many older people choose to continue working not only to maintain financial stability, but also to maintain physical and mental health. The success of this model shows that delayed retirement has a positive effect on coping with the problem of population ageing.
However, despite the many benefits of delaying retirement, there are also some issues that need to be carefully considered. First, it is important to ensure that older persons do not face employment discrimination and unfair treatment when delaying retirement is introduced. **Training and support measures should be provided to help older persons adapt to changes in the labour market. Second, there is a need to put in place a sensible transition policy to ensure that those who have already planned for retirement are not adversely affected by the policy change.
In short, from the perspective of economy and practical life, the policy of delaying retirement cannot be delayed. The problem of insufficient pensions is not only a challenge for China, but also for the world. By raising the retirement age, the burden of pensions can be eased, the continued participation of older persons in the labour market can be promoted, and the sustainability of social welfare can be improved. However, policies need to be carefully designed to ensure that the rights and interests of older persons are not compromised, while providing the necessary support and transitional policies. Delaying retirement is not only a necessary means to cope with an ageing population, but also an important step towards building a healthier, more stable and sustainable society.