Article 18 of the Social Insurance Law stipulates that the level of basic old-age insurance benefits should be raised in a timely manner according to the average wage increase and price increase of employees. According to the data of the National Bureau of Statistics, in September 2022, the national price rose by 2.8% year-on-year, among which the price of daily necessities increased greatly. For example, the price of fresh fruit rose by 17.8%, and the price of livestock meat rose by 16.0%, which greatly increased the life of retirees. In addition, in the first half of 2022, the per capita disposable income of the national residents was 18463 yuan, a nominal increase of 4.7% year-on-year, and a real increase of 3.0% after deducting the price factor. The two indicators clearly listed in the law are on the rise, laying an economic foundation for the sustained growth of pensions in 2023.
Second, China's economy has maintained positive growth.
In the first half of 2022, China's economy grew by 2.5% year on year. According to a questionnaire recently published by Economic Observer, 63% people think that the annual GDP growth rate will be between 3% and 4% in 2022.
While maintaining positive economic growth and increasing fiscal revenue, the state will also allow retirees to share the fruits of China's economic development. According to previous years' experience, the economic growth rate of China will be 2.3% in 2020 when the epidemic is the worst. In 20021year, the state will continue to increase the pension for retirees as planned, with an increase of 4.5%. Therefore, it is expected that the probability that pensions will continue to increase in 2023 is extremely high!
Third, the pension fund has a balance.
As of August 25 this year, the accumulated balance of the basic old-age insurance fund for enterprise employees is 5 1 trillion yuan, which has strong guarantee ability. The strategic reserve of the national social security fund exceeds 2.6 trillion yuan. In the short term, the social security fund is sufficient to support the sustained growth of pensions in 2023. In the long run, the state will implement the policy planning period of delaying retirement and extending the minimum payment period of social security during the 14 th Five-Year Plan period. This move also provides a guarantee for the long-term balance of payments of social security funds and a material basis for the sustained growth of pensions!
In 2023, employee pensions are still expected to continue to increase, but those who receive basic pensions for urban and rural residents are not within the scope of adjustment. Farmers who lack professional social security knowledge can't understand why farmers' pensions can't be raised in 2023.
As an employee at the same time? There are two basic reasons:
First, the term of pension insurance for employees is different from that for urban and rural residents.
The essence of China's basic old-age insurance system is that the state plans people's old-age life in advance, and establishes old-age insurance accounts for them in a strong and powerful way, so that the insured can regularly deposit certain savings as future old-age services. China has two basic old-age insurance systems, one is the old-age insurance for urban workers, and the other is the old-age insurance for urban and rural residents. Among them, employee pension insurance took shape in the early 1950s, and 1992 established a relatively standardized system. The development cycle of social insurance for employees is long, and the participants are highly motivated to pay. Because of the high cost, they should get higher income and increase the basic pension year by year according to higher standards;
Social insurance for urban and rural residents includes new rural insurance and urban residence insurance, which were piloted in 2009 and 20 1 1 respectively. It didn't cover the whole country until 20 14, and the system was not fully mature. The recognition is not high, the enthusiasm for payment is low, the level of old-age insurance is poor, and there is no material basis for raising pensions with employees at the same time.
Two, employee pension insurance and urban and rural residents pension insurance payment base is different.
The payment base of employee pension insurance is 60%-300% of the average salary of the whole province in the previous year. With the increase of social average wage year by year, the cost of social security payment for employees increases year by year. Taking the base as an example, the lower limit of social security payment base is 3548 yuan, and the upper limit is 17742 yuan. Even if the payment is made according to the minimum base, the accumulated payment cost of endowment insurance for one year is 3548× 24 %×12 =10218 yuan.
Once the payment level of endowment insurance for urban and rural residents is determined, it will not be adjusted in the short term. At present, the lowest payment standard in Shanxi Province is 200 yuan, and the highest payment standard is 5000 yuan. Even the highest level of payment is far lower than employee social security. The minimum base of residents' social security and insurance premiums have entered personal accounts. In the event of an accident, the funds in the personal account can be refunded in full, and the insured does not have to bear any risks. Because of this, farmers' social security benefits are far lower than those of employees. Wages and pensions cannot be adjusted at the same time as retirees.