With the development of social economy, the average life expectancy has been extended, the scale of the retired population in the mainland has also increased exponentially, and the pension payment system has directly affected the quality of life of hundreds of millions of retirees. Some people have suggested that in order to eliminate the difference in pensions, the feasibility of the plan of uniformly issuing 3,500 yuan for people over 60 years old is debatable. Through comprehensive argumentation, I believe that this plan is not very reasonable at present.
The unified issuance of 3,500 yuan is difficult to reflect the difference in personal actual payment and demand. Pensions for workers in mainland China are calculated and paid according to a certain proportion of the total wages of individuals during their employment, and the annuity level of high-wage workers is naturally higher, while that of low-wage workers is relatively low. What fails to characterize the homogeneous criteria for all people is the different contributions that individuals have made to the development of society and the country over the years.
In addition, there are significant differences in the cost of living between regions and between urban and rural areas, and the purchasing power of the same amount varies from place to place. A uniform of 3,500 yuan is difficult to support the daily life of different regions and age groups. Pensions, as the sole or main income, will be difficult for the elderly living in high-spending urban areas to maintain their daily expenses if a uniform standard is adopted.
The increase in life expectancy also means that the period of old age is getting longer and longer, and it is difficult for 3,500 yuan to support their long-term living needs. And budget pressures can also be high. Once all hundreds of millions of retirees are adjusted to the standard of 3,500 yuan, it will bring a great burden to the pension fund. The size of the mainland's pension population is increasing day by day, and it is unimaginable that the number of retirees will double in the next 20 years.
Adopting too generous uniform standards may be difficult to sustain in the long term. In view of these reasons, the pension payment model currently adopted by the mainland according to the actual number of years of the individual and the inter-annual adjustment of the payment standard has taken into account the two aspects of personal fairness and financial sustainability to a certain extent. It needs to be continuously improved on this basis.
We can adjust the pension standard at a pace according to regional differences. It is possible to distinguish between urban and rural areas, and set standards reasonably by region according to the difference in rent and cost of living levels. Support low-income elderly groups by increasing living allowances. For groups with special difficulties, living subsidies or medical subsidies can be adopted to make up for the lack of pensions.
Encourage the development of occupational annuity and commercial pension insurance. Multi-level coverage can better alleviate the burden of government funds. At the same time, it is also necessary to improve the personal account system and pension transfer system. Raise the degree of adjustment of the mainland's population structure. Only by speeding up the aging process and actively supporting the pension industry by young people can the problem be better solved in the long run.
The pension reform requires seeking truth from facts, making scientific judgments, taking into account the interests of all parties, and cannot stay at the level of simple and unified standards. Actively exploring the old-age security model that is more suitable for the mainland's national conditions will be a new direction for future work.
Netizens' opinions
In the face of this suggestion, some netizens said: The pension of farmers should be increased, because farmers contribute more to the country and manage 1.4 billion yuan of clothing and food.
Some netizens said: Pensions should be treated equally, and 3,500 yuan should be issued uniformly, and big and small officials and workers and farmers are the same.
Some netizens proposed: Can I pay the fee uniformly? Everyone pays for 30 years, pays 800 yuan per month, and receives 3,500 yuan for retirement!
Some netizens said: The contribution of each profession to society is different, and it is unrealistic to distribute it uniformly.
At last
Pension standardization is a systematic project, the problems involved are very complex, and it is difficult to fundamentally change the status quo in the short term. But in the long run, we should continue to explore towards the establishment of a fairer and more sustainable pension concept and mechanism. The government should make ensuring universal benefits the primary goal, and make step-by-step adjustments to the standards according to the needs of different groups.
It is also necessary to advocate individuals to consciously participate in commercial pension and other ways to share the responsibility of security. Whatever reform package is adopted, the most important thing is to ensure that every retiree can age with dignity in their old age. We should be people-oriented, take the well-being of the whole people as the starting point, and promote the deepening reform of the mainland pension system.
It is only through the joint efforts of all parties that a social security system that truly takes care of the needs of the elderly can be established. There is still a long way to go, but as long as we work hand in hand, we will be able to find better solutions gradually.