#寻找热爱表达的你#
The mainland's pension planning and payment method is the old method for the elderly, the new method for the newcomer, and the method for the middle people. But at present, the method of the Chinese people has gone astray, there is no payment before the reform, there is no payment index, there is no payment period, but the creation of a payment index is called the same payment index, and the creation of a payment period is called the same as the payment period, to calculate the average index to calculate the basic pension basic pension, the basic pension originally had two periods of years and parameters before and after the reform. It also repeatedly designs a transitional pension supplement, multiplying the virtual deemed index and the deemed number of years, and then multiplying the social level and a coefficient to determine the level of the transitional pension. The index of government institutions and institutions is artificially determined to be more than double that of high enterprises. Regard the same number of years as the general number of enterprises for 18.75 years, artificially caused by the transition pension of institutions and enterprises 8 ~ 10 times, so that the sum of the pension part of the pre-reform pension in the transitional pension and the basic pension is far more than the pension part after the reform, this algorithm does not match the reality, out of the pension calculation of the old method and the new method of the newcomer in the pension, and it is extremely unreasonable.
Therefore, we ask to abolish this unreasonable weighting algorithm, instead use objective data and follow the old and new methods of inheriting the past and the future, and calculate the Chinese pension in two sections, the first paragraph is that the pension before the reform is calculated in proportion to the pension of the elderly; The second paragraph is that the pension after the reform is calculated by the newcomer pension formula, and the sum of the two pensions is the middle-aged pension. In this way, the transitional pension has been abolished, and the adjustment and supplement of the pension have been abolished, such as the deemed index and the same number of years, occupational annuity and enterprise annuity, and the designers and those in power have been prevented from owning power and enriching themselves, engaging in system corruption and design corruption, and making profits for themselves and their peers in the pension design scheme for some people. The pre-reform part of the Chinese pension is consistent with the elderly, and the post-reform pension is consistent with the newcomer. The design of the rest scheme is as follows:
1. Calculation of the pension for the elderly before the Chinese reform
Regardless of the number of years of service recognized by the state before the date of the first payment of the reform of government institutions, institutions or enterprises, the pension shall be calculated according to the old method for the elderly. The calculation ratio is determined by the length of service at retirement (70~90% as stipulated by the elderly), and the total salary at the time of the reform corresponds to the total salary of the elderly at the time of retirement, and the first payment index at the time of the reform of the Chinese person is used × the retirement social average (calculation base) as the total salary. Pension before the reform = pension for the elderly = the average social × in the previous year of retirement× the proportion of the old × the ratio of the old age
Example 1: The total length of service of a person in an enterprise is 38, the length of service before the first payment is 20 years for the elderly, 18 years after the first payment, the first payment index in 1993 is 1.5, and the average retirement in 2011 is 1876 yuan. The old age pension before the reform of the retirement is
=1876×1.5×0.9×（20÷38）
=2532.6×0.5263=1333元
Example 2: A career associate high school person with 38 years of service in October 2015 has a first-payment and first-payment index of 1.98. The average paid-in index of 29 years before the first payment is 1.8 after the first payment, and the average paid-in index is 9 years, and the average social level (calculated base) of the previous year is 6,395 yuan for retirement in October 2023.
The old-age pension before the reform of the career worker
=6395×1.98×0.9×（29÷38）=11396×0.7632=8697元
Second, the calculation of the pension of the newcomer after the reform of the Chinese people
After the reform of the Chinese pension, the pension and the newcomer's pension only have the basic pension and personal account pension, the difference is that the cumulative payment period of the basic pension is replaced by the actual payment period
1. Basic pension = base × (1 + average paid-in index) ÷ 2 × paid-in period
Example 1: The paid-in index of laid-off workers is +0.6
基础养老金=1876×（1+1.2）÷2×18×0.01=371元
Example 2: The average paid-in index of the 5th level of the business deputy high school is 1.8
基础养老金=6395×（1+1.8）÷2×
9×0.01=806 yuan
Third, the personal account pension after the reform of the Chinese people
1. Example 1: The amount of personal account savings in the retirement personal account of the laid-off enterprise in 2001 was 22,000 yuan, and half of the personal account storage amount was 44,000 yuan
Personal account pension = 44,000÷139 = 317 yuan
2. Example 2: The balance of the personal account of the senior engineer is 70,000 yuan
Personal account pension = 504 yuan.
3. Calculate the total pension after the reform at the time of retirement
Example 1: laid-off employees of enterprises = basic pension + personal account pension = 371 + 317 = 688 yuan
Example 2: Career deputy high = 806 + 504 = 1310 yuan.
Fourth, the total pension of the Chinese at the time of retirement
1. The retirement pension of laid-off workers in 2011 = pension before the reform + pension after the reform
=1333+688=2021元，
2. The retirement pension of the deputy high school in 2023 = 8697 + 1310 = 10007 yuan
5. Adjust the pension to 2024
1. The adjusted pension of laid-off employees of enterprises = 2021×2.22 = 4487 yuan
After adjusting for the growth rate of the social average
2021×3.5=7073 yuan.
2. The deputy high pension = 10,007× 1.03 = 10,307 yuan.
Conclusion:
In this way, the 5th level of the enterprise deputy high school is the same level as the real pension, but the enterprise pension is treated equally. The pension has been raised, the first payment of 1.5 is in line with the reality of most laid-off workers, and the wage level of enterprises in 1993 is 1.5 times that of the social average is also in line with reality, representing the level of most enterprises, and the first payment of enterprises with good benefits will be greater than 1.5.
However, the paid-in 18 years for laid-off workers generally does not reach 1.2, the paid-in index is mostly 0.6, and it can reach 1.2 after adding 0.6, because they have paid the overall plan, the overall plan is 2 times that of the personal account, and half of the personal account is not too much, and it is not too much to add 0.6 index to make the paid-in index 0.6 change to 1.2, but in this way, the pension of laid-off workers can reach more than 4,000 yuan. Because of 12 years of early retirement, it is a fact that the base for early retirees is low and the adjustment difference is 50%, and the pension is less than 3,000 yuan. Laid-off workers do not add indexes and do not add personal account savings. The supplementary pension will also be 6,170 yuan according to the calculation and payment base. Therefore, the method of the middle people is calculated by the proportion of the old method before the reform. After the reform, the newcomer method is used to calculate the cost-effective Chinese pension, and this calculation method is reasonable, but sooner or later, the problem of the increase in the retirement calculation base is 50% more than the pension adjustment must be solved. It is also necessary to solve the problem of laid-off workers overpaying the overall planning index and lowering their personal accounts.
