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Text丨S1mple
Editor丨S1mple
preface
When I was young, I couldn't eat enough on my salary alone, and after I retired, I could rely on my pension alone.
This is the welfare that the vast majority of retired cadres on the mainland are now enjoying.
Obviously, when I was young, I worked hard and couldn't get four or five thousand yuan a month, but once I retired, I could get a pension of tens of thousands of dollars every month, is this really appropriate?
At the time of monetary tightening, does this situation need to change?
Pensions continue to rise
As the mainland gradually enters an aging society, pensions have also begun to rise.
How to distribute pensions scientifically and reasonably has become a major problem, and where should young people, who are the main force of consumption, go?
According to incomplete statistics, pensions in mainland China have risen for 17 consecutive years.
According to data released by the Ministry of Finance, the total amount of pensions paid to the mainland every year is as high as hundreds of billions of yuan.
And it shows a trend of increasing year by year.
Why is the pension raised? Will it continue to rise in the future?
Prices are the main reason for the increase
That's right, the first thing that comes to our mind is that things are expensive!
According to the National Bureau of Statistics, prices have risen by 1.3% year-on-year in recent years.
Although consumer prices are generally stable, the price level still rises to a certain extent.
At the same time, another important reason for the pension increase is to let all the people share the fruits of economic development within an appropriate range.
To put it simply, it is not only necessary to let the elderly live well, but also to let the elderly live well.
So in the face of the increase in pensions, what is the salary level of young people?
The level of wages of young people
According to statistics, the average annual wage of non-private units in mainland China is 107,000 yuan, or less than 8,916 yuan per month.
The average annual wage in the private sector is only 63,000 yuan, or 5,250 yuan per month.
Therefore, earning more than 10,000 yuan a month everywhere is the biggest misunderstanding of young people about "part-time work".
Some people say that their income is not as good as the pension of the elderly, and some people say that the pension of the elderly is very low, and they do not have the capital to gnaw on the old.
So why is there a difference in pensions?
Composition of the pension
First of all, we need to understand the basics of pension.
Like most countries, our country's pension is divided into three pillars: the first is the basic pension, the second is the occupational pension, and the third is the personal pension.
The basic pension is the basic pension insurance, which is led by the government.
All the money paid by individuals and businesses is put into a large account and pensions are paid to those who have already retired.
In addition, there is also a big difference in the amount of pension between retirees of government agencies and institutions and retirees of enterprises.
According to statistics, the average basic pension for retirees in government agencies is more than 8,000, more than twice the national average.
The average pension of employees in enterprises is 2,667 yuan, and that of government agencies and institutions is 8,233 yuan, which is three times that of enterprise retirees.
Pension disparities in different regions
The regions with the highest pensions are: Tibet, Beijing, Qinghai, Shanghai and Xinjiang.
Tibet, Qinghai and Xinjiang are taken care of by policy, while Beijing and Shanghai are economically developed provinces and cities.
If the factors taken care of by the policy are not considered, the pensions in Shaanxi, Guangdong, Shanxi, and Tianjin are also relatively high.
Come and see if there is an area for you?
Age for the pension gap
Age is also a factor that affects the amount of retirement.
Since the merger of pensions, the retired personnel of government organs and institutions have continued to receive pensions according to the old method, that is, they are determined according to the length of service.
The ratio of pension to pre-retirement salary can be as high as 80 or 90 percent.
After the implementation of the new system, the "newcomers" who join the work will be paid a basic pension plus occupational pension when they retire according to the new method.
Generally, employees of government agencies and institutions have occupational pensions, but most enterprises do not have enterprise pensions.
This is also one of the reasons why the system is now seriously involuted.
The contrast is so obvious, why not take a look at the spending power of the elderly and the young?
You must have seen this paragraph.
The morning subway was full of young people who went to work in a dead state and elderly people who went to travel full of energy.
And the middle-aged people, who are the pillars of society, are picking up a few cents of wool on a certain amount.
There is also a phenomenon that the big brother and aunt in the live broadcast room are about to be contracted by the elderly, which is also a strong evidence.
Although they have strong spending power, their spending preferences are more conservative.
In the final analysis, it is the middle-aged and young people who are most willing to spend.
But if you have the will but not the ability, you are a bit stretched.
Let's take a look at the current situation of middle-aged people: in addition to the pressure of supporting their families, they also have to bear the pressure of mortgages, and they are facing a crisis of 35 years old, and they are unemployed if they don't do well, and they dare not spend more money.
The current situation of young people is: the ceiling is too low to see the prospects, the floor is too high to get into the car, simply lie flat, do not fall in love, do not get married, do not have children, and one person eats enough and the whole family is not hungry.
Older people, on the other hand, have more wealth and enjoy more subsidies.
But there is no willingness to spend, middle-aged and young people have the willingness to spend, but they are pressed by debt and income and dare not spend.
It's not a good sign after all.
Behind this phenomenon, there are also deep worries about the future of young people.
They are worried that when they are old, will they still be able to enjoy the same pension treatment as the old people now?
They are also concerned about whether the social security system will be able to continue to function steadily in the future as the population ages and fertility rates decline.
They are more worried about whether their efforts can be exchanged for a stable old age.
So the plight of young people is not just a question of pensions.
But at the moment of high housing prices, high consumption, and high living costs, their wages are often difficult to support a decent life.
Many of them, in order to be able to gain a foothold in the city, had to choose "moonshine" and were even burdened with heavy debts.
At the same time, they see that the retired elderly rely on stable pensions and live relatively well-to-do lives, and this contrast undoubtedly exacerbates their anxiety.
Some netizens even ridiculed people who used to listen to the truth of "eating hard is a master" and "the fragrance of plum blossoms comes from the bitter cold".
suddenly found that he had suffered for more than ten years but still did not live the life he wanted.
Therefore, another popular saying on the Internet is that "money flows to those who do not lack money, love flows to those who do not lack love, and bitterness flows to those who can endure hardship".
A fact is in front of us, many people who have an ideal life today are not outstanding in their personal ability, but more because they have eaten the dividends of the times.
So, they started to stop accepting PUA.
Then the question arises, when society enters the stock development.
Is it to continue to subsidize the groups that have already eaten the dividends? Or is it a group that subsidizes the production dividend?
I think it's more appropriate to subsidize the people who make cakes.
What's more, this generational difference may eventually return to the next generation in the form of parents subsidizing their children.
So why not just give it to young people?
Or in what way is it more appropriate for young people?
Policy support
We all know that the last straw that overwhelms young people is often not work pressure, but housing loans, car loans, and various loans.
If the pressure on young people to buy a house can be reduced, perhaps young people can spare more time to make money and spend.
This can motivate young people to buy houses through policies that benefit the people, such as issuing vouchers for house purchases, companies offering price concessions, and banks lowering mortgage interest rates.
With the help of talent attraction and subsidy policies, young people who have settled down to work from other places can also enjoy benefits.
In this way, locals are willing to stay, and outsiders are not willing to leave.
Entrepreneurial environment
Nowadays, many young people are also inclined to start their own businesses, how can we get young people to give it a go?
On the one hand, we can start from the subdivision and diversification of occupations and positions.
An important factor that stimulates the vitality of development.
On the other hand, society should give young people recognition and support them to innovate.
In this way, entrepreneurs have the space to realize the value of life.
In this process, young people need to keep up with the pace of technological innovation.
If you have the courage to study new technologies and give full play to your strengths, you can create new forms of business and find new directions for personal development.
Individualized
At the same time, it is also necessary for employers to use their brains to retain outstanding talents in various ways such as career, emotion, and treatment.
Let young employees have a sense of identity, belonging and security to the company as soon as possible.
Only by making the best use of their talents can we maximize the advantages of young people.
For example, we should further deepen reforms, strengthen teaching students according to their aptitude, and encourage and nurture the creativity of young people.
Provide scientific, classified and accurate guidance for the entrepreneurship and employment of newly graduated students.
Be tolerant of young people who have graduated and give them room for trial and error.
It is best to create a culture of respect for individual choice and support for rational choice throughout society.
In this way, more young people can seek the best combination and balance between the realization of the "small self" and the "big self" of dedication to the country and society.
epilogue
In short, the disparity between the pension of the elderly and the wages of young people is a complex social problem.
It will take us together to find a solution.
Let us move forward together to find a way out of the plight and challenges of young people, and to light up a ray of hope for their future.
What do you think of it when you're young? Comments are welcome.
Article information sources:
Raised! Beijing's basic pension adjustment plan was announced, benefiting more than 3.3 million people→ Luzhong Morning News2024-06-28 15:50
The specific plan for pension adjustment in various provinces and cities has been introduced: it will benefit 140 million people, and the fixed amount adjustment will be combined with the linked payment period, and all will be distributed to retirees before the end of July Financial sector2024-06-28
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