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Recently, a topic about the pension adjustment in 2024 has sparked heated discussions on the Internet, and it is rumored that people over 70 years old can receive 3736 per monthA basic pension of 8 yuan.
Is the above news reliable? What is the current situation of China's aging population and the adjustment of the pension system?
As a state-owned enterprise, I am also very concerned about how much pension I can get after retirement, so the following uses facts and data to take you to understand the truth of pension.
Figure** on the official website of the Ministry of Human Resources and Social Security.
01 Current status of population aging
According to the 2022 National Aging Development Bulletin issued by the National Office on Aging of the Ministry of Civil Affairs, by the end of 2022, the elderly population aged 60 and above in China has exceeded 2800 million, accounting for 19 percent of the total population8%。The elderly population aged 65 and above has exceeded the 200 million mark, accounting for 14 percent of the total population9%。
Picture** on the official website of the Ministry of Civil Affairs of the People's Republic of China.
These figures not only represent the acceleration of population aging, but also indicate that China's pension system is under increasing pressure.
Picture** on the official website of the Ministry of Civil Affairs of the People's Republic of China.
Picture** on the official website of the Ministry of Civil Affairs of the People's Republic of China.
02 Pension calculation rules
Generally speaking, the pension of enterprise employees is composed of two parts: "basic pension" and "personal account pension".
Basic pension= The average monthly salary of the local on-the-job employees in the previous year at the time of retirement of the insured person (1 + the average monthly salary index of the insured person) 2 The number of years of payment is 1%;
Personal account pension= The cumulative amount of savings in the personal account of the insured person at the time of retirement The number of months corresponding to the retirement age of the insured person.
Some areas may have a "transitional pension", and its calculation method needs to check the local policy, which is generally different from region to region.
As we can see from the above formula,The amount of pension depends on a variety of factors, including the number of years of contributions, the contribution base, etc.
The payment of pensions is not a simple fixed amount, nor is it a one-size-fits-all payment.
Taking the pension adjustment plan in 2023 as an example, in order to more comprehensively take care of retirees of different ages and different situations, a total of three methods have been adopted: fixed amount adjustment, linked adjustment and inclined adjustment.
03 Analysis of pension adjustment policy in 24 years
From the 2024 pension adjustment package, we can see:The basic principle followed by the current basic pension insurance policy is "pay more and pay more, and pay more for a long time".
In real life, each of us has a different contribution base for the basic pension according to different income levels. What's more, the basic pension of many retirees is lower than the per capita level.
Again,The original intention of the state to formulate the pension system was to protect the interests of the majority of ordinary people, and the system was formulated to follow the two principles of fairness, justice and sustainable development.
If only retirees aged 70 and above are uniformly paid according to a certain standard, and retirees aged 70 and below are not adjusted, then for individuals with different contribution bases and different years of contributionsThere is inherently unfairness and injustice in this matter.
Finally, let's assume that retirees aged 70 and over are uniformly charged 3736The standard basic pension of 8 yuan per month, according to the data released by the Ministry of Civil Affairs, is estimated to be 1 for retirees aged 70 and above200 million, then the amount of basic pension insurance in the whole country every month is as high as about 450 billion, and it is about 5.4 trillion a year.
Figure** on the official website of the National Bureau of Statistics.
The total current price of China's GDP in 2022 is 1204724 billion yuan (data ** from the National Bureau of Statistics), and this expenditure accounts for about 4 percent of GDP5%，Obviously, this huge expenditure will upset the overall balance of state spending.
Figure** on the official website of the National Bureau of Statistics.
Therefore, whether it is analyzed from the basic principles of the pension insurance policy, the fairness and sustainable development of the pension system, or the balance of state fiscal expenditure, retirees aged 70 and aboveUnified in accordance with 3736The standard of 8 yuan per month is not realistic at all.
04 Future Prospects
As the problem of social aging becomes more and more serious, the future pension policy will face more innovation and reform.
Our country is actively thinking about how to maintain the fairness and sustainability of the pension system, so that more people can enjoy old-age security.
Although the direction of the reform and the detailed rules have not yet been announced, butWe have reason to believe that the future pension policy will be more flexible and diverse, with more emphasis on personal responsibility and choice.
As ordinary people, weYou should not blindly believe online rumors or listen to irresponsible suggestions.
On the contrary, we should take the initiative to learn the information and knowledge of pension policies, understand our pension insurance contributions, and ensure that our rights and interests are not harmed.
In addition, we can also add more security to our future by participating in supplementary pension insurance systems such as enterprise annuities and personal pensions, so as to create a more comfortable, reassuring and happy old age life for ourselves and our families.
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