Recently, Zhu Hengpeng, deputy director of the Institute of Economics of the Chinese Academy of Social Sciences, pointed out at the first "China Pension Industry Forum" held by Caixin Media that among the current young labor groups, the connection between "payment" and "gain" has not yet been opened.
In Zhu Hengpeng's view, young people are reluctant to pay pensions because the return time is too long, which is difficult to predict; If the young people pay the money, the grandparents in their hometown can receive the money, "there is an immediate collusion relationship, and the enthusiasm for paying is different."
As soon as the expert's remarks came out, it immediately caused an uproar on the Internet, and "young people are lying down again" has become a widely discussed topic.
Loading...
Under flexible employment, young people are not willing to provide social security
In the opinion of expert Zhu Hengpeng, if the pension of young people directly supports their parents, it can stimulate the enthusiasm of young people to pay social security. However, this view seems to ignore the current changes in the employment patterns of young people.
With the rise of new economies such as the Internet, flexible employment has become an option for many young people. They do not have a permanent workplace, their incomes are uneven, and they are facing great financial pressure. In this environment, it is indeed very difficult to require them to pay pension insurance regularly.
Many young people with flexible employment are migrant workers who remit most of their income to their hometowns. For them, paying pension insurance is not enough to take care of their hometown's livelihood. Therefore, the reluctance of young people to pay is not entirely due to the consideration of "too long payback time", but also closely related to the actual economic pressure.
The old-age security system is not perfect, and it is difficult to transfer and continue
At present, the mainland's old-age security system is not sound enough, and the old-age insurance payments in different regions and industries cannot be connected, and there are threshold restrictions on the payment period. As a result, if there is cross-regional or cross-industry mobility, the previously paid pension may not be able to be used and needs to start paying again in order to enjoy the benefits.
This undoubtedly reduces the enthusiasm of young people to participate in pension insurance. Young people who join the flexible employment force are highly mobile, and if the pension cannot be smoothly transferred and continued, it is equivalent to losing the previous achievements. This is also a shortcoming of the current system.
The contradiction between the income and expenditure of the pension insurance fund is prominent
At present, the income and expenditure of the mainland's pension insurance fund has been in a state of making ends meet. This is mainly due to the fact that the mainland has entered an aging society, the retired population has increased rapidly, and the corresponding growth rate of the contributory labor force has slowed down, resulting in difficulties for the fund. This situation will continue to ferment in the future.
The contradiction between the income and expenditure of the fund directly threatens the rights and interests of young people. Some experts predict that if the system is not adjusted, young people in the future may not be able to receive the same treatment from pension funds as they do today. It also weakens the incentive for young people to pay contributions.
The reform of the pension system is progressing slowly, and young people are not confident
In recent years, although the reform of the pension system has been frequently put on the agenda, the actual progress has been slow. Important measures such as postponing the retirement age and adjusting the pension algorithm have encountered great resistance in their advancement. Young people lack confidence in their ability to receive fair and secure pensions.
The development of the commercial pension insurance market is also relatively slow. Young people are not able to plan for retirement through commercial insurance products. This is one of the reasons why they are reluctant to actively contribute to the current pension insurance.
Therefore, young people's reluctance to pay pension insurance is not simply due to the consideration of "too long payback time", but the result of the realistic employment environment and the imperfect pension system.
In order to improve the enthusiasm of young people to pay, it is necessary to fundamentally enhance the reliability of the old-age security system, adapt to the needs of flexible employment, and ensure social fairness, rather than simply attributing the "guilt" to the "inaction" of young people.
At the same time, it is a difficult problem for policymakers to reform the old-age security system under the new situation, so that it can not only meet the needs of diversified employment, but also ensure the rational allocation of social resources, so that all generations can obtain basic old-age security.
It is hoped that the state can fully consider the demands of young people and think comprehensively in policy design, so that the rights and interests of all parties can be balanced, rather than simply putting forward more demands on young people, which is the fundamental solution to the problem.
Of course, he also understands the good intentions of the expert, and he hopes to enhance the awareness of social security contributions among young people through new measures. However, an oversimplistic approach to the problem not only fails to cure the root cause, but also easily leads to social controversy. Reform needs to be carried out on the basis of equality and fairness in order to gain the understanding and support of all sectors of society.