What are the reasons for the gap in social endowment insurance?

Those who don't pay will get 8,900 yuan, and those who pay will get 1.2. Can the gap be small?

The staff of administrative institutions do not pay endowment insurance for a long time, and get high salary after retirement.

There are more than 654.38+200 million retirees in China, 97 million employees in enterprises pay less and receive less pensions, and more than 3,000 retirees in government agencies and institutions have not paid old-age insurance before, and their pensions are on the high side. A piece of cake is not enough, of course, there will be a big gap.

Some people don't pay social security, but enjoy super-high pension and medical care!

A pension of tens of thousands needs several young people to raise money. Do you think there is a big gap?

The main reason is that the pensions of government agencies and institutions are too high, and these units do not produce or create value, so the difference in money is certain.

Caused by social injustice.

The root cause of the gap in old-age insurance is that some people take too much.

There is so much social wealth. Some people get more, others get less. This is a very simple truth. The ancients could tell the wisdom that wine would freeze the bones.

We should know that the tax burden of domestic enterprises is quite heavy. In order to survive, enterprises will try their best to reduce costs and even evade taxes. Except for enterprises with pricing power and not bad money, most of the remaining enterprises will not pay social security according to the actual wages of employees, but the base is very low.

Taking small and medium-sized enterprises as an example, paying social security with a salary base of more than 2,000 yuan, with individuals and companies totaling around 400 yuan, will undoubtedly reduce personnel costs. However, if you pay less, you will get less in the future. Besides, most people don't have really stable jobs. It is not easy to continue to pay 15 years, and it is a foregone conclusion that the pension will be low when you retire.

A group with more money has a stable job, a stable income, and a guaranteed harvest through drought and flood. They don't have to worry about the benefits of the enterprise. As long as you don't resign, you can work stably for almost 30 years and pay social security according to your actual salary. This way, the pension will be higher in the future.

There is a gap in old-age insurance, on the one hand, some people take too much, on the other hand, it is historical debt. Frankly speaking, a considerable number of people who take too much money have never paid social security at all, which has formed the current situation that retirees consume the social security paid by on-the-job personnel.

If a person receives a monthly pension of 8,000 yuan, which has not been paid before, and his personal account is empty, he can only eat other people's. Employees who pay social security according to the salary base of about 2000 yuan need 20 people to make up one person.

One person needs 20 people to feed, and 6.5438+million people need to feed 6.5438+million people. So, what about 30 million people? Do you mean 600 million people?

With rising house prices, declining birth rate, approaching population turning point, fewer and fewer young people and more and more elderly people, the social security gap is bound to grow.

Caizhi successfully said that the way to get rich is nothing more than four words: open source and reduce expenditure. If it is too high, it will be less, and then raise funds from other channels. This is the fundamental way to solve the problem. Unfortunately, people who are used to high salaries will not agree to a pay cut. People who keep saying that they can die for their country in times of crisis may not accept a pension of two or three thousand yuan a month.

At present, the national median income is only 2000 yuan, and the pension refers to the average wage, which is too high and too low, which has become an important reason for the widening gap between the rich and the poor.

Heaven, make up for deficiencies, and provide for the aged should also be like this.

100% of individual pension accounts should be capped at 3,000 yuan immediately after receiving benefits. Why do you need to receive more than 10 thousand pension insurance a month when your personal pension account has no money?

Before the pension reform in the 1990s, they were all state-owned enterprises. State-owned enterprises should not only collect normal taxes and fees, but also hand over corporate profits to the state, including employee pensions. It stands to reason that the state should set aside and store employee pensions for future payment. Unfortunately, the state did not allocate this money, but used it all for investment in state-owned enterprises, and built and expanded a large number of state-owned enterprises.

After the reform of social security system in 1990s, the state established social security fund. The state has no money to pay the pension that should be paid by the state, so it can only use the method of "robbing Peter to pay Paul" to pay the pension with a small amount of newly collected social security funds. Therefore, the enterprise pension is set very low, and the pension replacement rate is only about 50% (the proportion of pension to on-the-job salary), and the pension replacement rate of government institutions is 90%.

With the continuous improvement of enterprise pension, the social security fund with a gap is getting bigger and bigger. In order to supplement the social security fund, the state has taken a series of necessary measures. First, it will increase the collection rate of social security funds and increase the burden on employees and enterprises. Second, transfer the equity of state-owned enterprises (reduction of state-owned shares) to fill the social security fund. Third, increase financial support for social security funds.