Recently, there has been a heated discussion on social media – why are young people reluctant to pay social insurance?
Everyone may have their own opinions on this issue. Some people say that young people are "lying flat" and lack planning for their future lives; Some criticize young people for being irresponsible and lack of recognition of the social justice system; Others pointed to problems with the social security system, and the distrust of young people is understandable.
Today, let's explore this controversial topic.
1
Why are young people reluctant to pay social security?
First of all, we have to admit that the reluctance to pay social security is indeed a real emotion and demand of some young people. Despite the mandatory nature of the social security system, there is still an opportunity for flexible workers to opt out of insurance.
So, what is the reason for this emotion?
At a forum, pundits bluntly pointed out the crux of the problem – the current "pay-as-you-go" mode of operation of the social security system has exacerbated young people's doubts about future earnings.
To explain simply, the so-called "pay-as-you-go" means that the social security contributions currently paid by young people do not really go into their personal accounts, but are directly used to pay the pensions of existing retirees. When young people retire, they will be paid contributions from the next generation of young people.
This model of intergenerational transfer makes it impossible for young people to truly have their own "social security account", and their rights and interests are not effectively protected. To make matters worse, the aging of the population due to declining fertility has left young people skeptical about whether the "next generation" will be able to pay their pensions.
As he said: "From the perspective of workers, when the contribution of social security contributions is greater than the income obtained, it naturally weakens enthusiasm." In the face of the rising dependency ratio, young people will naturally be negative and even disgusted by the design of this system.
2
How can the current system be reformed?
In response to this dilemma, he put forward the reform idea of "one for one for one": that is, for every 100 yuan paid by an individual, 100 yuan will also be injected into his account, so as to truly establish a personal account system and use the principal of this account for investment operation.
Drawing on the practice of the U.S. 401K plan, the idea aims to reinvigorate the enthusiasm for contributions by reshaping an individual's sense of access to pensions. It can be said that he is more pertinent in recognizing the reasonable demands of young people and trying to respond to them from the institutional level.
However, even if his reform plan is adopted, the immediate dilemma remains: how to ensure the pension supply of retirees today? Delaying retirement? Subsidies? Lower the level of distribution? These initiatives are difficult and need to be planned systematically as a whole.
3
Understanding each other is key.
Facing up to young people's dissatisfaction with the social security system is the first step to resolve intergenerational conflicts and rebuild trust. At the same time, young people should also look at the fact that the pensions of existing retirees are not easy to come by, and they have contributed to the construction of the country.
Only when the relevant departments, young people and retirees understand and trust each other can the social security system be reformed on the basis of taking into account the interests of all parties. Otherwise, any one-on-one solution will hardly work, and intergenerational contradictions will only intensify.
It takes a difficult and tortuous process. However, I believe that as long as everyone is in the same boat and includes empathy, the social security system will eventually rebuild fairness and justice, and the legitimate rights and interests of young people will be protected.