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Suspense:
Another accusation and attack on young people, this time the "culprit" turned out to be the pension gap. Young people were spared, and once again they were the target of public criticism. But why did things get to this point? Who is fueling the fire, and who is blindly directing the contradictions at young people? With a full stomach full of questions, let's unravel this bewildering mystery together.
A tidal wave of harsh voices
Things have to start with a pension industry forum not long ago. At the forum, Zhu Hengpeng, deputy director of the Institute of Economics of the Chinese Academy of Social Sciences, threw out an intriguing point of view: the main culprit of the pension gap is the unwillingness of young people to pay pension insurance.
Zhu Hengpeng believes that the main reason why a large number of young people with flexible employment are reluctant to pay pensions is because they cannot predict what they will receive in 30 years. However, if this part of the fee is passed directly to the parents, the enthusiasm of young people to pay will be greatly increased.
This point of view has sparked heated discussions in the field of public opinion. Some agree with Professor Zhu's statement that young people are indeed responsible for the pension gap; There are also those who strongly oppose it, believing that this is tantamount to pointing the contradiction at young people again. The picture shows Zhu Hengpeng giving a speech at the forum. The seemingly simple question of young people's reluctance to pay pension insurance has sparked such a heated debate.
Accusations against young people have come and gone, not only from experts and scholars, but also from a growing number of ordinary people. Someone bluntly said: "Young people just don't want to contribute to society, they just want to enjoy and don't want to give." Some people also think: "Young people are too selfish, they only think about themselves, and they don't even want to give their parents the money for their old age."
Despite the repeated explanations of young people about their difficulties, these voices are still pouring in, and one can't help but wonder who is condoning this kind of accusation and attack on young people.
A young group in trouble
It is not difficult to find that most of the accusations against young people focus on their unwillingness to contribute to pension insurance. But what is it that causes young people to have such "resistance"?
First of all, we need to understand the concept of "flexible employment" people.
The biggest characteristic of this group is the precariousness of work and income. As a takeaway boy said: "I have to pay 700 yuan in social security premiums every month, which is equivalent to the income of 100 orders I have to make." I'd rather send the money back to my hometown and buy some toys for my daughter than pay social security. "
Another takeaway boy from the countryside also said that social security means little to him because he has already participated in the NCMS in his hometown. In that case, why does he have to pay an extra social security contribution? In addition to the problem of unstable income, another important reason why young people are reluctant to pay social security is that it takes too long to pay back.
For example, if a man retires at 60, if he delays his retirement until 65, it means that he will have to work for 5 more years to get his share of the pension. For some young people, such a payback cycle is too long, coupled with the uncertainty of life, it is easy to cause a loss of funds.
It's not hard to see why more and more people in flexible employment are choosing not to enroll. They are more concerned with life in the present than in the distant future. The picture shows a delivery boy delivering orders. This flexible way of working is becoming the choice of more and more young people.
Professor Zhu Hengpeng's suggestion of "letting young people pay to their parents" also sparked heated discussions among netizens. Some have questioned whether this is fair, as young people themselves face various economic pressures. Others believe that this is nothing more than a disguised means of taking money out of the pockets of young people again.
Young people are concerned with their own survival and development, while experts and older generations are more concerned with the overall interests of society.
In such a context, young people can easily become the target of public criticism and become the "culprit". This not only exacerbates intergenerational conflicts, but also makes young people feel "betrayed" and "misunderstood" by society. How to solve this dilemma and let young people regain their enthusiasm to participate in insurance has become a thorny problem in front of us.
Will the "stakeholder" model suggested by the experts work?
For the problem of young people being unwilling to pay pension insurance, Professor Zhu Hengpeng put forward a new solution: "If young people pay money, parents and grandparents can receive money, which immediately has a collusion relationship, and the enthusiasm for payment is different."
This view has attracted widespread attention. Some people think that this is a good idea, which can open up the connection between "pay" and "get", so as to stimulate the enthusiasm of young people to pay. But there are also many people who criticize it, believing that it is nothing more than a disguised means to get money out of the hands of young people again. So, will this "stakeholder" model work? Let's explore this further.
We need to be clear about how this model works. According to Professor Zhu's vision, the pension insurance premiums paid by young people will be paid directly to their parents, rather than going into the pooled fund. In this way, young people can more intuitively feel that their money is being used by their parents, which will generate a stronger incentive to pay.
In theory, this is indeed a viable approach. After all, if parents can get this money directly, then young people will undoubtedly be much more motivated to pay. However, in practice, there are some problems with this model that need to be considered.
The first is the issue of fairness. Not all young people have parents to provide for, or their living conditions are uneven. If the contributions are given directly to the parents, there is no doubt that other young people who do not have parental support will feel unfair. This may exacerbate intergenerational tensions and lead to more social problems.
The second is how to ensure the reasonableness and transparency of the payment. If the fees paid by young people do not match the amount actually received by their parents, it is easy to cause controversy and questioning. Moreover, once the parents die, how to deal with the overpaid part of the funds also needs to have a clear institutional arrangement.
Thirdly, there is the issue of institutional coordination. At present, the pension insurance system in mainland China is quite complex and involves multiple levels. If this "stakeholder" model is added on this basis, it will inevitably increase the complexity of the operation of the system, and corresponding adjustments need to be made.
Finally, there is the question of what young people can actually afford. As mentioned earlier, many young people do not have stable incomes and are under great financial pressure. If they are forced to pay more insurance premiums, it will undoubtedly increase their burden. This may be counterproductive to motivate them to participate in insurance.
In summary, although this "stakeholder" model is theoretically feasible, there are still many obstacles to overcome in practical implementation. We need to further study how to ensure the fairness and transparency of the system, so that young people can truly feel the benefits and necessity of participating in insurance.
How to solve this dilemma in order to better stimulate the enthusiasm of young people to participate in insurance? We need to look at this issue in its entirety. Pictured here is a young man checking his social security information. In the face of complex institutional arrangements and income pressures, they will inevitably have a certain "resistance".
Start from the root cause and adhere to humanized reform
To solve the problem of young people's reluctance to pay pension insurance, it is not enough to simply blame and demand. We need to start from the root cause, from the system design, policy implementation and other levels, and strive to improve the enthusiasm of young people to participate in insurance.
We must adhere to the people-oriented principle and pay attention to the actual needs and demands of young people. The previous approach was too rigid and lacked specificity and flexibility. We need to listen more to young people's voices and understand the plight they face, so that we can design more humane institutional arrangements.
In view of the actual situation of income instability of flexible employment groups, we can consider implementing more flexible payment methods, such as monthly payment or single payment, so that they can flexibly adjust according to their own situation. At the same time, we can also appropriately increase government subsidies to reduce the pressure on young people to pay fees.
Third, we need to optimize the design of the system to improve the sense of access and expected benefits of participating in insurance. At present, many young people have a lot of doubts and distrust about the social security system, believing that it is just a tax tool of the government. We need to further improve the relevant regulations to make the system more fair, transparent and predictable, so that young people can truly feel the benefits of insurance.
For example, a more robust personal account system could be established so that young people can keep track of their contributions and expected future earnings in real time. At the same time, we can also appropriately raise the standard of basic pension, so that the insured people can enjoy the due benefits in a timely manner.
In addition, we should also pay attention to cross-regional system convergence, so that young people's insurance rights and interests in the process of work can be effectively protected. At present, many young people are reluctant to pay social security because they are worried that it will be difficult to achieve "succession transfer" when changing jobs. If a smoother cross-regional insurance mechanism can be established, it is believed that the enthusiasm of young people to participate in insurance will also be greatly improved.
Pictured is a young man consulting about social security. While improving the design of the system, we must fully respect and meet the actual needs of young people. In short, to solve this dilemma, we need to insist on putting people first and starting from the roots. Only through more humane and considerate institutional reform can young people's enthusiasm for insurance be truly stimulated, so that they can regain their confidence and sense of belonging to society.
Let us work together to build a fairer and more just society, so that young people are no longer the "main culprits", but the main force of social development.
Do you have any thoughts and suggestions on this? Feel free to leave a message in the comments section and discuss this important issue with us. #年轻人又躺枪了, experts say that the pension gap is large, and the sin lies in the unwillingness of young people to pay#