The statements in this article are based on reliable sources and are repeated at the end of this article
Nowadays, more and more young people in society do not pay social security, and even more important pensions have been discontinued. And the pension fund pool is also shrinking, and even the pension in many regions needs to be deployed across provinces. [I don't look at it]
So what are the reasons why young people choose not to pay social security? What is the reason why the pension fund pool is not able to make ends meet? Will the pension be depleted?
According to the calculation results in the "China Pension Actuarial Report 2019~2050" released by the World Social Security Research Center of the Chinese Academy of Social Sciences, under the benchmark scenario of 16% of the enterprise contribution rate, the national urban enterprise employee pension insurance fund will lose money for the first time in 2028, and the pension fund pool will be exhausted in 2035.
Population ageing
Due to the limited investment channels of pensions, and stable income is not guaranteed. In addition, our national pension system is a pay-as-you-go system, which means that part of the money paid by young people who pay social security is distributed in the form of pensions for retirees. At present, the problem of population aging directly leads to the fact that the number of people who pay social security is gradually smaller than the number of pensioners.
For example, before the mainland population entered the aging population, it was basically the social security paid by multiple young people to provide the pension of a retired elderly. However, now that the mainland is increasingly moving towards the direction of population aging, the number of young people who pay social security has gradually moved from being larger than that of the retired elderly to being less than that of the retired elderly.
There are fewer and fewer young people who pay social security, but there are more and more elderly people receiving pensions, and the pension fund pool must be beyond their means. Coupled with the problem of the income from the pension itself, the maintenance of the pension can only be made up by the state to make up for the gap.
Historical impressions
Moreover, in the past, in state-owned enterprises, some people of appropriate age were "deemed to have paid contributions" after retirement. Even if they did not pay social security during their working period before retirement, they can receive pensions ranging from a few thousand to tens of thousands of yuan after retirement. The existence of this "empty account" more or less makes young people's impression of pensions not so good.
Back to now, children born in the 80-90s grew up hearing about pensions always. Most of them are concerned about whether their parents' generation will be able to retire before the delay is confirmed, and how many years it will take to delay it.
Later, when the delayed retirement did arrive, the retirement age was changed from 60 to 65 for men / 50 for women. People need to pay social security for an extra five years before they can retire, and pay more money and get their pensions five years late.
Many people feel that it is not cost-effective, and there is even news that it is difficult to maintain the current pension. All kinds of gaps make young people no longer regard pension as the only answer to their pension problems in the future.
Young people are really "short of money"
Moreover, coupled with the increasing pressure on young people's lives at this stage, how to protect their current material and spiritual life will always be the first place for young people at this stage. But the issue of old-age care is at least 30 or even 40 years away, and it is still far from the current life.
Especially under the influence of the current employment environment, their normal living standards cannot be guaranteed, no matter how important social security is to the future, compared with the current predicament, it seems to have no weight at all. Even if you have the heart to continue to deposit, you are really unable to do it under the weight of your current life.
For young people, social security is basically not needed at the moment, and there is not much intuitive feeling about the importance of young people. For example, even if you know that the provident fund is good for buying a house for yourself in the future, for the housing prices that have not fallen, the provident fund is really a drop in the bucket for the investment in buying a house.
It's better to keep the money in your own hands, in addition to rewarding yourself for hard work every day, you can also save it for emergency funds in the future.
At the same time, few of today's fresh graduates can pay social security stably within ten years of graduation, after all, the salary of most fresh graduates who have just entered the society is enough to solve their own food and clothing.
The monthly salary of the "urban elite" in the first-tier cities is only a little after the baptism of high rent, food expenses, and social transportation. Eat a good meal or buy a new outfit after hard work.
If you add five insurances and one housing fund, the salary that is almost enough is completely insufficient. What's more, not only can their wages not support their own lives, but they may also have to rely on the help of their parents to maintain a normal life.
Many companies do not pay social security to their employees
In fact, many private enterprises now choose not to pay social security to their employees. For example, a company pays employees more than 4,000 yuan per month, but if you add social security, it is about 6,000 yuan per month, and this more than 6,000 yuan is probably the employee's monthly labor cost for the company.
Many companies choose to open sources and reduce expenditure because of their own revenue problems, so they start with social security and choose to cancel employees' social security to increase their revenue.
The penalty for not paying social security to employees is also very small for the company, so even if you don't pay social security to employees, at most you will be ordered to make up the payment. Therefore, in order to save labor costs, many companies choose to take advantage of this loophole of not paying social security.
However, if the company does not pay social security, if you pay social security yourself, you have to come up with more money to pay social security every month, after all, there is no company and employees to share, and it is a big expense for individuals to pay social security every month. This is another heavy blow to the wallets of young people who are not wealthy, so many young people do not pay social security.
Difficulties in finding employment
The current employment pressure is really not small, and the employment environment has led to many people not daring to resign easily even if their salary does not meet their expectations, because it is even more difficult to find a suitable job once they resign.
And now many companies not only have academic restrictions, but also age restrictions, and recruiters in many companies may directly screen out resumes over 35 years old and go to the next one.
If they can't find a job that they feel suitable for a short period of time, the money in their hands is decreasing, and they have no source of income, most people will choose to stop paying social security to support themselves.
After all, when life is unsustainable, probably no one will continue to pay social security. Therefore, the employment problem is also one of the fuses for the growth of the social security payment gap!
In the end, I would like to say that how to attract and retain young people to maintain the current social security system is the most important topic. The relevant departments need to fully listen to the voices of all strata of society, gather the different demands and questions of each stratum, and formulate a plan.
In order to gradually solve the concerns of young people about the existing social security system, and at the same time, it is also necessary to continuously improve the social security system, and truly improve the credibility and practicability of social security, so that young people are willing to accept social security and participate in the payment of social security from the bottom of their hearts.
Perhaps only in this way can the payment of social security continue to be maintained, erasing the doubts about social security and the pessimistic attitude towards the future pension in the hearts of all kinds of groups in our society.
Resources
[1] China Industry Network - April 2, 2024 [The voice of "I am not willing to pay social security" should be listened to and faced]
[2] Shangguan News - March 27, 2024 ["I am from the countryside, and I am not willing to pay social security in Shanghai", the post-90s takeaway brother said bluntly]
[3] Workers' Daily - April 22, 2024 [Why do some young people "not call" about paying personal pensions?]