Since 2005, the mainland's pension level has continued to grow for 18 years, from less than 1,000 yuan at the beginning to about 3,000 yuan today.
Surprisingly, according to the final account of local social insurance fund expenditure in 2021, combined with the expenditure of retirees in institutions and institutions, about 5% of every 1,000 retirees can receive a monthly pension of up to 10,000 yuan.
This figure is not absolutely accurate, but it does raise the public's curiosity: Why is there such a difference when most people only have a few thousand dollars in pensions.
What factors determine the pension level of retirees?
This thing is still quite interesting.
Because on the one hand, many retirees of institutions and institutions can get tens of thousands of yuan of pensions every month;
On the one hand, many farmers have worked hard all their lives, and in the end, they have a pension of about 200 yuan a month.
No matter how you look at it, it seems to be treated differently! How can there be such a bully!
However, digging deeper into the mechanism, it is not difficult to find that it is reasonable to some extent.
Because most peasants have paid almost no employee pension insurance, or paid very little, what they receive after retirement is not so much a pension as a state subsidy.
It is a part of the income given by the state to this special group of people, hoping to support their old age.
The pension paid by the personnel of organs and institutions is called employee endowment insurance, which is calculated according to the salary and continuously paid at a certain rate every month.
Generally, the stability of employees in such units is very high, and they may be still in these units when they retire at the age of 60 when they join the company at the age of 22.
In this way, it has been continuously paid for 38 years of pension insurance, and the pension received in the end will naturally rise.
On the other hand, compared with farmers and employees of private enterprises, government agencies and institutions also have an "occupational pension".
In essence, it does not belong to a pension. But after retirement, it will also be paid every month, so many people will also consider it as part of their pension.
For example, the latest data in 2023 shows that the income level of retired elderly in institutions and institutions is 6,600 yuan, of which 730 yuan is occupational annuity.
Note that this is just average.
Many employees with long working hours and high ranks, with higher retirement salaries and more occupational annuities, naturally exceed 10,000.
Of course, some people will say, they all say that it is taken from the people and used by the people.
The pensions of the employees of organs and institutions are so high, can't they be appropriated and given to the vast number of peasants?
Anyway, more than 10,000 pensions, they can't use up, it's better to take out a part of it and give back to the people!
This may seem like a good idea, but there is a fundamental loophole, namely:
If you don't pay, or pay less pension insurance, you can still receive thousands of yuan of pension after retirement, then everyone will definitely not pay.
After all, it is also so much money to pay, and it is so much money not to pay. Might as well save this money and do something else.
To sum up:
Although many employees of government agencies and institutions, it is eye-catching to be able to get a pension of more than 10,000; And many farmers can only get about 200 pensions, which is also sad.
But we need to understand that the establishment and development of the pension system is based on a series of economic, social and policy considerations, and it is a complex ecological balance, which is not what we seem.
Instead of thinking of some unrealistic average methods, it is better to put forward more suggestions and let the state find a way to raise the part of the peasants' pension, without losing fairness.
That's sustainability, isn't it?