Under the epidemic situation, the global economy is going down, and even though China still keeps the overall economic growth, there are already gaps in many industries. The gap in China's pension has reached more than 1 trillion yuan, and young people are reluctant to pay social security!
If young people really stop paying social security, how can the problem of providing for the elderly be solved? Why are young people unwilling to pay social security? How to change this situation?
1. Why does China's pension face a serious financial gap?
According to the data analysis of relevant institutions, the future pension deficit in China may be close to 8-1 trillion yuan. There are two main reasons why there is such a big gap. The first is that China has entered an aging society, and the number of elderly people has gradually increased. According to the data of the seventh census, the number of elderly people over 6 in China has reached 1 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 23. At that time, the elderly population may exceed 3 million, and the pressure on pensions will further increase.
The second reason is that the enthusiasm of young people to pay pensions is not high. There are two reasons why enthusiasm is not high. One is that today's aging population leads to the continuous increase of retirement age, and even the retirement age of men has reached 65 years old. This makes some young people think that it is not worthwhile to get a pension for a few years. The second is the soaring prices. Nowadays, the pension of several hundred yuan and thousands of yuan may be greatly reduced after retirement, so it is better to improve the basic life today. Under this trend of thought, the number of Ghanaians in China's pension has been decreasing, and even a serious fiscal deficit has appeared. The above are only external reasons. In addition to external reasons, there are also problems in the internal structure of pensions.
Second, the internal problems of the pension structure
There is a fiscal deficit in the pension. Besides the external factors, there are also problems in the pension structure itself in China. 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 averaged. Because of a large number of institutions and state-owned enterprises, the pension has reached four or five thousand yuan, while the pension of retirees in ordinary units may only be in the early 1 s, which is a serious imbalance.
Even the retirement wages of some old employees in 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 large. If retired workers in urban areas can receive 2987 yuan per month, the elderly in rural areas may not receive 2987 yuan every year, so there is a serious disparity in pensions. However, overpaying is the operating logic of pensions, so it is understandable that there are differences between different groups of pensions. However, this gap should not be so wide, so wide that some retired workers can't maintain a basic life, while some retired workers can enjoy food and drink spicy food every day. Therefore, the pension needs a series of reforms in order to arouse the passion of young people to pay.
Third, the reform faced by the pension needs to be changed if the pension wants to regain the enthusiasm of young people to pay. Many young people are unhappy about pensions because it takes too long to collect them, which makes it impossible to determine whether they can use them. The concept of living in the present is deeply rooted. Therefore, it is possible to reduce the tax collection for users who pay pensions and arouse the enthusiasm of these young people to pay pensions.
Secondly, we can try to reform the pension as a product of investment and wealth management, and bear the benefits and risks, which may make users take out the money when they need it, thus solving the problem that it may not be recovered after paying the pension. Finally, by narrowing the gap between different stalls of pensions, the income disparity of different groups in paying pensions can be reduced, and then the rebellious feelings of young people can be eliminated, thus increasing the enthusiasm of young people to pay pensions.
Conclusion Pension is the guarantee for everyone's life when they are old. However, China is facing a serious pension deficit due to the aging population, and the enthusiasm of young people to pay pensions is not high, which is one of the reasons for the pension deficit. Therefore, it is necessary to reform the pension system, improve the enthusiasm of young people to pay pensions, and thus solve the problem of providing for the elderly.