How big is the pension deficit in China?

Under the epidemic, the global economy went down. Even though China still maintains overall economic growth, there are already gaps in many industries. China's pension gap has reached 10 trillion, and young people are unwilling to pay social security!

If young people really no longer pay social security, then how to solve the problem of providing for the aged? Why are young people unwilling to pay social security? How to change this situation?

First, why does China's pension fund face a serious funding gap?

According to the data analysis of relevant institutions, the future pension deficit in China may be close to 8- 10 trillion yuan. There are two main reasons for such a big gap. First, China has entered an aging society, and the elderly population is gradually increasing.

According to the data of the seventh census, the number of elderly people over 60 in China has reached 1 100 million, and what is more serious is that this proportion is still growing, but it has not reached its peak. Therefore, according to data analysis, the population aging in China may reach its peak around 2030. By then, the elderly population may exceed 300 million, and the pressure of providing for the aged will further increase.

The second reason is that young people are not motivated to pay pensions. There are two reasons for low enthusiasm. One is that the retirement age is increasing due to the aging population, and even the retirement age of men has reached 65. This makes some young people think that it is not cost-effective to get a pension for several years.

The second is soaring prices. At present, the pension of several hundred yuan and several thousand yuan may be greatly reduced after retirement. It is better to improve the basic life today. Under this trend of thought, the number of Ghanaians supporting the elderly in China has been decreasing, and even a serious fiscal deficit has appeared.

These are just external reasons. In addition to external reasons, there are also problems in the internal structure of pensions.

Second, the internal problems of pension structure.

There is a financial deficit in pension, which is caused by both external factors and the pension structure itself. The most serious and obvious problem is uneven distribution, because different places and units pay different amounts, so retirees with different identities receive different amounts of pensions.

According to statistics, the average monthly pension in China is 2987 yuan, which looks good, but most retirees are average. Because of a large number of institutions and state-owned enterprises, the pension has reached 4,000 to 5,000, while the pension of retirees in ordinary units may only be in the early 1000, which is a serious imbalance.

Even the retirement wages of some old employees of state-owned enterprises are higher than those of on-the-job employees, so it is very easy to cause dissatisfaction among these young people and even social dissatisfaction. Secondly, the gap between urban and rural areas is too big. If urban retired workers can get 2987 yuan per month, rural elderly people may not get 2987 yuan per year, so there is a serious disparity in pensions.

However, overpaying is the operational logic of pensions, so it is understandable that there are differences in pensions among different groups. However, this gap should not be so big, so large that some retired workers can't even maintain a basic life, while some retired workers can enjoy delicious food and drink spicy food every day. Therefore, pension needs a series of reforms to stimulate young people's enthusiasm for payment.

Third, pension reform.

Pensions need to be changed if they want to regain the enthusiasm of young people to pay. Many young people are dissatisfied with the pension because it takes too long to receive it, and it is uncertain whether they can use it. The idea of living in the present is deeply rooted. Therefore, it can reduce the tax of users who pay pensions and mobilize the enthusiasm of these young people to pay pensions.

Secondly, we can try to reform the pension into a product of investment and wealth management, and the benefits and risks are borne by ourselves, which may allow users to take out the money when needed, thus solving the problem that they may not be able to recover it after paying the pension.

Finally, by narrowing the gap between different pension stalls, we can reduce the income gap of different groups in paying pensions, thus eliminating the rebellious psychology of young people and improving their enthusiasm for paying pensions.

label

Pension is the guarantee of everyone's life when they are old. However, at present, China has entered an aging society, resulting in a serious pension deficit, and young people's enthusiasm for paying pensions is not high, which is also one of the reasons for the pension deficit. Therefore, it is necessary to reform the pension system and improve the enthusiasm of young people to pay pensions, so as to solve the problem of providing for the aged.