According to the 2023 mainland population data released by the National Bureau of Statistics, the population of the mainland decreased by 2.08 million that year, and the population over 60 years old reached 296.97 million, a net increase of 16.93 million over the previous year. The population over the age of 65 was 216.76 million, a net increase of 6.98 million over the previous year. The aging of the mainland is intensifying, but our retirement age is still the same as the 50 and 60 years old at the beginning of the founding of the People's Republic of China. Therefore, postponing the retirement age will be a high probability event. But what are the pros and cons of postponing the retirement age?
Delaying the retirement age may have the following four major drawbacks.
First, it affects people's enthusiasm for insurance. After delaying retirement, there will be many young people who are not in a hurry to retire or worry about accidents, and reduce their willingness to participate in insurance contributions. For example, flexible employees choose to stop insurance and not pay; If the unit does not pay social security, they will not have too high a willingness to defend their rights. In this case, it becomes more difficult to collect social insurance, and the income of the pension insurance fund may face the risk of decreasing.
Second, people's income levels may be lower. After all, in the past, people could earn a double income by receiving a pension while continuing to work. Once retirement is postponed, people's pension income will be delayed for several years, and the income will be reduced. And if you are at risk of losing your job when you get older, it can put your personal and family incomes in a difficult position. If you continue to work when you are older, your health conditions will not be as good as when you were young, so the risk of working is relatively greater.
Third, increase the pressure on employment. If retirement is postponed, many jobs that can be vacated by the elderly after retirement will have to wait a few more years, so that the development of jobs will be much slower. If the elderly do not quit their jobs for a long time, it will trigger employment pressure and promotion pressure on young people, and even some young people will choose to lie down. In addition, if the supply of jobs is insufficient, it will be difficult for the unemployed to find new jobs, and the pressure on the unemployment insurance fund will also increase, and at the same time, people's wages will be depressed.
Fourth, it will hinder certain technological innovations. With the development of artificial intelligence and the advancement of modern industry, many technologies will be rapidly developed to replace the increasingly missing labor force in the case of labor shortage. Delaying retirement will ensure that many older people continue to work in their old jobs and reduce the incentive for technological innovation.
What are the advantages of postponing the retirement age?
There will always be two opposing sides of a thing, and there will be both disadvantages and advantages. The advantages of delaying retirement are:
First, the pressure of social support will be significantly reduced. The current pension insurance system is a pay-as-you-go pension system, which supports the retired elderly through the pension insurance premiums and financial income paid by the young people who have paid. Postponing retirement will increase everyone's contribution time, and at the same time reduce everyone's pension time, and one rise and one drop will reduce the pressure on social support. For example, the proportion of social insurance contributions will fall, the growth of the contribution base will slow down, and people will pay less money each month.
Second, the formation of higher pension accumulation. Our pension insurance is to pay more and pay more for a long time, and extending the payment period has an obvious effect on improving pension benefits. According to our current pension calculation formula, under the condition that the average salary remains unchanged and the account interest rate is zero, the pension paid for 30 years at the same payment level is half of the contribution for 15 years. The longer the contribution period, the proportional increase in the pension.
3. Promote the protection of the rights and interests of the elderly. The supply and demand of labor force is market-oriented, and now there are many elderly people who have achieved employment, because they have reached retirement age or receive pensions, but because they cannot pay social insurance, they cannot enjoy the protection of labor laws and regulations, and they also lack housing provident fund treatment. If retirement is postponed, the problem will naturally be effectively solved.
Fourth, promote the improvement of the pension system. Our current retirement system is a rigid retirement, and it is not possible to retire without retiring when we reach the retirement age. In fact, in most countries around the world, people are allowed to have a certain amount of autonomy to choose their retirement age, after all, we are very different from each other and our families. Countries such as the United States and Japan allow individuals to choose to retire 5 years early, and the postponement of retirement age can reach over 70 years old. Therefore, once there is a postponement of retirement, the flexible choice of the retirement system will definitely be implemented first, which will help improve the pension insurance system.
In fact, there may be other drawbacks and advantages to postponing the retirement age. The fundamental premise of whether to implement it is to ensure the smooth operation of our pension insurance system and the stability of the pension treatment of the retired elderly. I believe that the future will get better and better. #头条创作挑战赛#