Where is the life goal of civil servants after the integration of pensions?

Where is the life goal of civil servants after the integration of pensions?

"There is no transition period, and it feels even more unexpected than the car purchase restriction policy in Guangzhou and Shenzhen." 65438+ 10/4, a civil servant in Guangzhou said in an interview with Information Times. At 3 o'clock in the afternoon, the State Council officially announced the "Decision on the Reform of the Pension Insurance System for Staff in Institutions and Institutions", which marked the official cancellation of the "dual-track system" for pensions that had been controversial for many years.

The salary increase expected by civil servants has not yet arrived, but the "dual track system" of pensions has been cancelled first. The original income level is not high, and the actual income will further decline after paying social security every month. More importantly, the psychological impact of the "merger" of pensions on civil servants may be more profound.

● Low-paid civil servants are facing "salary reduction", and some people are afraid that they can't even talk about love.

Although the "Decision on the Reform of Endowment Insurance System for Staff in Government Offices and Institutions" (hereinafter referred to as the "Decision") was issued in June 5438+1October 65438+April, the real impact on civil servants and staff in public institutions came from June 2014 65438+1October 65438. No matter when the subsequent specific implementation plan is issued, the personnel of government agencies and institutions will pay fees from 20 14 10 1.

In an interview with China Business News, Yang Yansui, director of Tsinghua University Employment and Social Security Research Center, called this merger a "prototype merger" with the enterprise pension insurance system, that is, all the institutional models of the two are the same, including payment rates, calculation methods and transfer methods.

According to the "Decision", a basic old-age insurance system combining social pooling with individual accounts will be implemented. The basic old-age insurance premium is shared by units and individuals. The unit pays the basic old-age insurance premium (hereinafter referred to as "unit payment"

Fee ") accounts for 20% of the total wages of the unit, and the proportion of individuals paying basic old-age insurance premiums (hereinafter referred to as" individual contributions ") accounts for 8% of their payment wages, which is withheld and remitted by the unit. According to 8% of my salary.

The establishment of basic old-age insurance personal accounts, all formed by individual contributions.

This means that the salary of civil servants who did not have to pay social security actually decreased by 8% (in fact, there will be more, which will be introduced in detail below). Considering that the general salary of civil servants is not high, although 8% is only a few hundred dollars, the impact on life is probably not small.

At present, the salary system of civil servants is divided into two parts: the salary part and the subsidy part. Take the deputy departmental level in Chongqing as an example, the salary is about 1.400 yuan per month, and the subsidy in Tianjin is about 1.800 yuan per month, totaling about 3,200 yuan. Under the eight regulations, last year's Spring Festival 1 didn't distribute holiday fees and shopping cards, let alone other festivals, just relying on 3200 yuan a month to support the family.

Southern Metropolis Daily interviewed Guo Liang, a civil servant of a state organ. His monthly salary is more than 4000 yuan, "a little lower than his peers". Daily expenses in Beijing plus rent and salary.

There's not much left. According to the contribution rate of 8%, he has to pay the endowment insurance in 500 yuan every month. He told reporters that basically the money for eating and socializing with friends is gone, and the rest of the salary may not be able to afford the luxury of love.

Wasted things.

Mr. Ye, a civil servant who has worked in a subordinate unit of Haizhu District Government in Guangzhou for 15 years, said in an interview: "As a department head, my monthly salary is in the early 10,000 s, far lower than the middle level of state-owned enterprises and even private enterprises at the same level. If I have to deduct the social security fees paid by individuals, isn't that equivalent to a salary reduction in disguise? "

● The labels inside and outside the system are further blurred, and the mentality of civil servants will change.

In addition to the payment method, the calculation and payment method of endowment insurance after the merger is basically the same as that of enterprises, and the bottom line is still 15 years.

After the implementation of the "Decision", those who have participated in the work and have paid personal contributions for a total of 15 years will be paid a basic pension on a monthly basis after retirement. Basic pension consists of basic pension and personal account pension. The monthly standard of basic pension at retirement is based on the average monthly salary of local employees in the previous year and my indexed monthly salary, and the payment is paid to 1% every1year.

Yang Yansui believes that the difference between "Decision" and enterprises in calculation and development lies in the introduction of the concept of average life expectancy of urban population. According to the decision, the number of months to be calculated is "according to the average expectation of the urban population when I retire."

Life expectancy ",rather than adopting a unified number of months as in the current system, is based on the influence of future aging. Now it is calculated by dividing personal account by 139 months, which translates into life expectancy of only 7 1 year. At present,

The average life expectancy reached 76 years. In the future, with the increase of life expectancy, pension benefits will decline. "

This calculation mode is obviously a huge impact on the mentality of civil servants. Before, some media did a survey on why they should apply for civil servants. The results show that 67% of the respondents hope to get a job.

In addition to a stable job, civil servants have better protection and welfare. After the "eight regulations", many "benefits" are gone, and the biggest benefit is the high salary after retirement. Generally speaking, official business

The wage replacement rate after retirement (the proportion of pension to pre-retirement salary) can reach 80%, which is much higher than 40% when enterprises retire. This is where the dual-track system is criticized by society.

As a result, retirement treatment has become a big "hope" in the life of civil servants. Even many young civil servants have just joined the job, and they are talking about the comparison after retirement. Last May, Southern Weekend interview.

Apollo, deputy director of the Industrial and Commercial Bureau of a city in central China, said: "Civil servants now have neither benefits nor a positive image. What do you think is the point of my staying? As long as civil servants' pensions are merged, they will resign immediately. "

Before the integration of pensions, in order to get higher wages and benefits after retirement, another hope of many civil servants is to get a promotion before retirement, so there is a widespread situation of "one-day promotion tour".

That is, the day before retirement, I was suddenly promoted, and then I immediately retired and dismissed. Because, in some places, retired cadres at the county level not only have much higher wages and benefits than middle-level cadres, but also have visits organized by relevant departments every year.

Travel, sightseeing and recuperation opportunities are incomparable to retired cadres at the department level in terms of public medical care, bus use, public subscription to newspapers and periodicals, housing subsidies and other benefits.

However, under the new system, this trick is useless. Basic pension and occupational annuity are calculated according to historical payment records (payment base and payment period). Temporary promotion before retirement, salary has not increased or only increased for one month, and pension has hardly increased.

What worries civil servants even more is that although the Decision states that one of the basic principles of the reform is the convergence of treatment levels before and after the reform, there are still many people who are worried that this payment and payment method will make civil servants unable to pay fees.

The actual income after retirement is lower than that before the reform. Because, when the enterprise endowment insurance was first implemented, it was also said that the treatment would not decline. However, after more than ten years of operation, the replacement rate has dropped from more than 70% to 40%. If they are the same,

Under the same formula, it is a problem for government agencies and institutions to ensure that the treatment will not decline.

● Occupational annuity may be a weight to ensure that the treatment of civil servants does not decline.

The biggest difference between the payment of civil servants' pension insurance and enterprise employees lies in the concept of "occupational annuity". According to the decision, institutions should establish occupational annuities for their staff on the basis of participating in the basic old-age insurance. The unit pays 8% of the total wages of the unit, and the individual pays 4% of the wages paid by himself. After retirement, staff members receive occupational annuity treatment on a monthly basis.

In fact, enterprises also have the concept of occupational annuity, but it is voluntarily established by enterprises. In the case of high social security contribution rate in China, except for large monopoly enterprises, few enterprises will take the initiative to establish occupational annuities for their employees, because this will increase their burden.

However, civil servants are different. When reading this article, Yang Yansui said that the word "should" indicates that occupational annuities are compulsory, which is quite different from voluntary enterprise annuities. In addition, enterprises and individuals

The total contribution rate of people's old-age insurance is 28%, which is far lower than the sum of 28% of government institutions and individuals and occupational annuity 12%. This 12% gap also ensures that the pension benefits of civil servants will not be greater.

The problem of amplitude reduction.

The real problem is that the salary of civil servants has actually dropped 12% because of this reform, and the total range will reach 40% of the total salary. Where does this money come from in the future and how to keep the income of civil servants stable are all problems.

● Will civil servants still be a hot industry?

With the implementation of the "eight regulations", civil servants basically no longer have any gray benefits; The "merger" of pensions further blurs the labels of "within the system" and "outside the system". Civil servants, a profession with low income and particularly hard work, do not seem to have much advantage except stability.

It is decided to take 20 14 10 1 as the boundary and make different institutional arrangements for different types of people. Those who retire before this day are regarded as "old people", those who work after this day are regarded as "new people", and those who work before this day and retire after this day are regarded as "middle people"

For the elderly, maintain the existing treatment and participate in future treatment adjustment; For China people, through the implementation of transitional measures, the level of treatment will not be reduced; For newcomers, the combination of treatment can be realized by establishing a new mechanism.

Rational convergence. Many people worry that this new mechanism will lead to civil servants having no advantage over enterprise employees. With the decline of actual treatment and strict discipline, many people begin to hesitate when choosing civil servants as their careers.

20 15 the actual reference number of the national civil service unified examination decreased by 65438+ 10,000 compared with last year. In the local area, some hard and marginal jobs are facing the embarrassment of "zero registration". 20 14 north

There are 102 positions in Beijing "Jingkao" that are not registered, accounting for 5.8% of the total positions. According to statistics, the number of applicants for the civil service examination in Beijing on 20 15 also decreased significantly. 20 14, and the final payment was successful.

45,859, a decrease of 65,438+04,244 compared with 2065,438+03.

In the "army" of applying for civil servants, fresh graduates are a main force. However, the data shows that in the past four years, the popularity of "institutional" positions, including civil servants, has dropped significantly. 20 14 12

14 In June, Zhaopin released the survey results in this year's "Best Employer Report", which showed that 54% of the students were willing to go to the "system" in 20 12, and 49% in 20 13, which was reduced to.

36%。 On the contrary, 35% of students are willing to go outside the system, 20 12 accounts for 4 1%, and 20 14 accounts for 56%.

In addition, the "merger" of pensions has facilitated the resignation of civil servants. Civil servants did not have social security before. Once you resign, it means that your previous efforts are in vain, and when you come out, it is equivalent to "starting from scratch."

Let's begin. "A civil servant working in a provincial government office in Jiangxi told Southern Metropolis Daily:" We didn't have social security before. I have worked in the company for more than ten years. If I resign, all my previous work will be in vain. Many people and I are one.

Some government workers have the impulse to "jump ship", but they dare not "act rashly" because of social security problems. "

Since the introduction of the "eight regulations", many people's views on the career of civil servants have changed, and the "merger" of pensions has far-reaching significance.

At the end of the era of special welfare, the myth of civil servants continues to be deconstructed. The mentality of civil servants and even the whole society will change, and the vision of this profession will be more rational. The greatest feature and advantage of civil servants will eventually return to stability, and people with a profit-seeking mentality are really not suitable for this.