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Recently, Yang Yansui, an expert from the Ministry of Human Resources and Social Security, has rushed to the hot search to talk about the pressure of pensions in the mainland.
The current pension problem, Yang Yansui analyzed, has reached the point of running out of food.
She noted:
There are now two problems with pensions, empty accounts and gaps.
In 2023, this generation will reach the age of 60, and with the addition of male retirements, a total of 8 million more people, the gap will be even greater.
These gaps can only be balanced through financial subsidies.
The Ministry of Human Resources and Social Security predicts that by 2029, there will be a shortfall across the country, and by 2035, trillions of accumulated balances will be exhausted.
How to solve this problem?
Yang Yansui pointed out three paths:
First, pay more
Second, pay less
Third, adjust the age of recipients
Yang Yansui analyzed:
It is impossible to pay more, and now the rate is reduced for the whole people, so the first link is stuck.
Send less money, the current replacement rate is only about 40, and you can't send less money.
So, there is only one thing left to delay retirement, and this problem will be solved in the next ten years.
According to Yang Yansui's analysis, the current pension gap stems from the lack of family planning in the early days, the population is large, and now the population is small, and there is an imbalance between income and expenditure.
To solve this problem, there is only one way, delay retirement and reduce the pension by a few years to alleviate the situation.
Many people have their own opinions on Professor Yang's solution. They believe that reducing the pensions of civil servants and enterprises can also solve this problem.
Netizens discussed as follows:
Why not be in line with international standards? Like Singapore, retirees' salaries are the same, the difference is in the length of service.
The retirement salary of a small leader of the education bureau in our county is 15,000, not to mention the bonus, do you say that there is still a reason for this?
Why don't they have to pay for the system, and why do they pay 100% for medical care?
Civil servants retired more than 10,000 yuan, and no money was required for hospitalization, and an elderly man in Shanghai used more than 70 million.
The biggest problem is unfairness! With the same monthly salary of 10,000 yuan, retirees in the system can receive eight or nine thousand, and those outside the system can receive only two or three thousand, and even fewer peasants, only 100 yuan!
The rural pension rose by 20 yuan all of a sudden, which reflected their disregard for rural people.
It is suggested that the pension of civil servants is lower than that of enterprises, and those who serve the people should become public servants, and they should not have both rights and more money, which will lead to the heads of those who take the public examination.
Actually, what Professor Yang said is not wrong.
With the improvement of life, now the life expectancy of people is increasing year by year. As a result, retirees receive many years of extra pensions. Delaying retirement solves this problem.
From 1951 to 2023, the average life expectancy of the mainland's population has been increasing for more than 70 years.
The average life expectancy in the mainland is now 77.3 years.
By the end of 2023, there will be 297.8 million people over the age of 60 on the mainland, accounting for 21.1% of the total population.
For women, the impact of delaying retirement is not too great, because women retire at the age of fifty. For men, it may be a little unacceptable.
In fact, in order to cope with this problem, our pension increase is also much smaller, in 2008 it was 10%, and this year it is only 3.8%.
I also have a narrow prediction for these problems:
In the future, the civil service and the teaching staff may be completely streamlined. The fiscal balances of various localities have decreased, and some localities cannot afford to pay salaries, and will eventually go down the road of streamlining.
As for the issue of peasants' pensions, this year it has been increased by 20 yuan per month.
The issue of farmers' pension requires farmers to actively participate in social flexible employment insurance.
If the financial resources are not good, you can also choose the highest grade of urban and rural pension insurance, there is no time limit, you will pay when you have money, and you will not pay when the funds are not sufficient, and you will pay again when you have money.
Now many farmers always say that it is unfair, the pension received is too little, in fact, the state has also formulated a system for the pension of farmers, although it is not as good as the pension treatment of workers, there are many defects, but it also shows that the country has not forgotten these people.