Will pensions continue to grow in the future?
Changes in the number of insured employees.
In 20021year, the number of employees participating in basic old-age insurance in China reached 480.74 million, an increase of 24.53 million over the previous year. The number of insured persons actually includes
No retired young people and
Total number of retired old people.
The number of employees was 3.491.7 million, and the number of retirees 1.3 1.57 million, increasing by 20.58 million and 3.95 million respectively over the previous year. To tell the truth, in recent years, with the deepening of people's understanding of old-age insurance, more and more young people choose to participate in old-age insurance.
The dependency ratio also began to decline gradually. 20 18 years, 30 1 0.04 million employees110,000 retirees, and the dependency ratio is that the annual dependency ratio has recovered to the point where the pressure of providing for the aged has gradually decreased.
But as many people know,
Insured employees are not necessarily paying employees. Many people may choose to stop insurance because of changing jobs or difficulties in making ends meet. Especially in 2022, China also introduced the policy of delaying the payment of basic old-age social insurance premiums by enterprises and flexible employees.
The contribution dependency ratio may not be that high.
Income and expenditure of endowment insurance fund.
In 20021year, the total income of the national basic old-age insurance fund for urban workers was 60,455.5 billion yuan, the total expenditure of the fund was 5,648/kloc-0.0 billion yuan, and the accumulated balance of the old-age insurance fund was 5,257.4 billion yuan. Year-on-year growth, pension insurance fund.
The accumulated balance can be paid for several months.
Looking at the relevant figures, we must understand the preferential policies for pension insurance relief in 2020. The endowment insurance premiums borne by small and medium-sized enterprises will be greatly reduced, and flexible employees can postpone paying endowment insurance premiums for one year. In addition, this year, China has promoted the policy of deferred payment of old-age insurance premiums, so the income and expenditure of old-age insurance funds are still relatively tight.
However, the state still balances the income and expenditure of endowment insurance funds in different regions through the central adjustment system of basic endowment insurance funds for enterprises and employees. Last year, the adjustment scale reached 932.7 billion yuan, accounting for the proportion of pension fund income. Since, China has promoted the national overall planning of the basic old-age insurance for enterprise employees, and the imbalance of income and expenditure of old-age insurance between regions has been effectively alleviated.
In this year's pension adjustment notice, the state also made it clear that
The local finance will give some subsidies to the local adjustment of new expenditures for enterprise retirees' pensions. In the 14th Five-Year Plan for the Development of Human Resources and Social Security, it is clearly mentioned that to promote the implementation of the policy of gradually delaying the statutory retirement age, and at the same time increase the minimum payment period for receiving pensions, the system of calculating the number of months for personal accounts of old-age insurance will also be revised and improved. This actually shows that all aspects of the country are trying to ease the pressure on the income and expenditure of pension funds.
Article 18 of the Social Insurance Law stipulates that the state establishes a normal adjustment mechanism for basic pensions. According to the average wage increase and price increase of employees, the basic old-age insurance treatment level will be improved in a timely manner. From 2005 to now, although the increase level of retirees' pension has gradually decreased from 10% to 4%, in fact, the growth rate of average social wage has been declining, while prices have always been at a stable and controllable level, and the pension treatment level of retired elderly people is actually improving.
Therefore, as long as employees' wages are rising and prices are rising, the pension level will definitely increase. Please rest assured the old people!