Today's young people are less and less reluctant to pay social security. Because many young people have calculated an account, they find that instead of waiting for the state to pay their parents a pension, it is better to give the money directly to their parents and refuse the middleman to make the difference. Why is this so? The main thing is that the dual-track pension system.
Different regions, different hukous, different identities, and different pensions are different. The captain showed you a table, and you can find that the area with the highest monthly per capita pension is Tibet. Why Tibet? There are two main reasons:
First, there are very few private enterprises in Tibet, mainly concentrated in the system, and the average salary of the society exceeds 10,000 yuan. As a result, retirees in Tibet are also concentrated in the system, and everyone's retirement salary is relatively secure.
Second, Tibet is located in the alpine region, and since 2000, as long as you pay social security for 15 years, you can also receive an additional plateau subsidy pension, which is equivalent to two pensions, which adds up to quite high.
Tibet is followed by Beijing, Shanghai, Qinghai, Xinjiang and other regions. The situation in Qinghai, Xinjiang and Tibet is relatively similar, all of which are dominated by state-owned enterprises, central enterprises, and public institutions, with a relatively low proportion of the private economy and a particularly large number of pensioners in the system.
Anhui and Henan, which are ranked relatively low, have a monthly per capita pension of more than 3,000 yuan. According to Chinese prices, a retired old man can get a pension of 3,000 yuan, which is basically enough. But in fact, many elderly people do not have so much pension. This is per capita and does not represent the majority. Just like the average salary in Shenzhen is more than 12,000, but most of the migrant workers in Shenzhen have a monthly salary of less than 10,000.
Those who can really get the average, or surpass the average, are still mainly in the system and state-owned enterprises. For the average corporate retiree, the pension is much less. Especially in rural areas, retirees earn more than 100 yuan a month. The per capita data is more than 3,000, but there are only more than 100 elderly people in rural areas, and the difference is too large.
As a result, many second-generation farmers who work outside found that I paid more than 1,000 yuan in social security every month, but the old father and mother who stayed in the village only received a pension of more than 100 yuan every month. Isn't this using your own money to support other people's parents? Instead of this, it is better to give the money directly to your parents, and you have done your filial piety. Whose old man is not an old man? It's all about solving the problem of old-age care, why don't you give priority to supporting your parents?
Why is this happening? This has something to do with the mainland's pension system. The mainland adopts a "pay-as-you-go system." What is "first collect, first pay"? That is, the pensions paid by today's young people are supported by the old people now. After that, when the post-80s and post-90s are old, they will need to pay pensions for the post-10s and post-20s.
But everyone knows that the birth rate is far less than it used to be. When the post-80s and post-90s retire, the young people of the future will not be able to support the current middle-aged people at all. As a result, some young people today have not supported their parents well, nor have they saved enough pensions for their future selves. Because, the pension we pay now has been spent by the old people now. Moreover, this old man is not necessarily his own parents, but someone else's parents.
So what to do? The former governor of the central bank proposed a solution:
First, reduce the excessively high pensions of some of the elderly and tilt towards the other part of the elderly whose pensions are too low, at least so that young people feel that the money they pay is indeed supporting their parents.
The second is to delay retirement, avoid excessive retirees, and save pension expenditures. Third, the upper limit of the frozen pension can no longer be raised, and the money saved will be left for the elderly in the future. Fourth, increase the proportion of personal pension accounts, adopt the method of "one with one", individuals pay 100 yuan, and enterprises will pay 100 yuan. The more money is accumulated, the more you pay, the more you will send in the future, so as to increase the willingness of young people to pay.
The current situation is that there are a large number of elderly people who have not paid pensions in the past, but are "treated as contributions". In other words, there is naturally a huge funding gap here. There are a large number of people who have never paid their pensions in full, but are receiving high pensions. This gap must be narrowed, not enlarged.
For this plan, the retired elderly in the city and the system will definitely suffer from the benefits. Because they are the beneficiaries of the current pension system. The pain of reform is that the cake needs to be redistributed. In this process, there will inevitably be some people who will take less and others who will take more. It is not a question of who suffers and who benefits, but the current pension system, which cannot be maintained for a long time.
The number of elderly people is increasing year by year, but the number of new young people is declining. When it really comes to the time when a young man raises two old people, the pressure is really too great.
You know, today, those old people who enjoy retirement with high pensions spend the money of this generation of young people.