The first batch of "baby boomers" in New China has quietly entered their golden old age, which is not only a demographic phenomenon, but also a profound social change - in the key five years of the "14th Five-Year Plan", we are about to usher in the retirement peak of more than 40 million workers, including those who have made great contributions to the construction and development of the country.
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The so-called "baby boom" refers to the fact that in a certain period of time, due to the combined influence of a variety of social factors, the birth rate has risen significantly, thus forming a relatively concentrated population.
Now that this group of people is entering their old age, their retirement will undoubtedly have a profound impact on the labor market, consumption structure, and asset-liability allocation.
Authoritative forecasts show that between 2022 and 2030, tens of millions of "silver-haired" will retire every year, and the pressure on pension payments is becoming increasingly prominent and challenging.
The root of this problem lies in demographic changes: in the 60s and 80s, it was common for families to have multiple children, which made the number of social security contributors large and the pressure on pension payments relatively small.
However, the renewal of social concepts and the implementation of family planning policies, after the 90s, the one-child family gradually became a fashion, and the one-child phenomenon became a common trend, becoming a unique scenery in the new era, which led to a decrease in the number of people who paid social security, while the number of pensioners was increasing, and the pressure on pension payment gradually became prominent.
In the face of this dire situation, the government and all sectors of society are actively seeking solutions
On the government side, a series of policy measures have been introduced, including the implementation of a gradual postponement of the retirement age policy, the promotion of the development of the personal pension system, the optimization of the second pillar of pension insurance such as enterprise annuity and occupational annuity, and the encouragement of the development of the third pillar of personal savings pension insurance and commercial pension insurance, these measures aim to build a more perfect, multi-level pension insurance system to cope with the upcoming retirement peak.
However, the implementation of these measures is not achieved overnight, they require extensive participation and joint efforts from all walks of life, and require the government, enterprises, individuals and other parties to share responsibilities and obligations, at the same time, we also need to realize that solving the pension gap problem is not an overnight effort, it requires long-term efforts and persistence.
On this issue, some netizens said: "It's bitter, a 70-year-old person still has to earn money to support his 90-year-old parents." This reflects the severity of the current pension problem and also expresses people's concerns about the future pension life.
Some netizens pointed out: "For ordinary people, pension is the only guarantee for old age." "This highlights the importance of pensions in people's hearts and shows the urgency of solving the pension gap.
Of course, there are also netizens who are worried about the phenomenon of young people not getting married and not having children, thinking that this will further exacerbate the pressure on pensions, although this point of view has some truth, but we should also see that young people's choices are often affected by a variety of factors, including economic pressure, social concepts, personal pursuits, etc.
Therefore, we cannot simply blame the pension problem on young people not getting married and not having children, but should think about and solve this problem from a broader perspective.
We need to face up to this problem and take practical and effective measures to solve it, and at the same time, we also need to guide all sectors of society to participate in building a more complete and sustainable social security system to protect the happy life of the elderly.