It's early November, which is more than 6 days before the Spring Festival in 223. At this moment, what we retirees are most concerned about is not the Spring Festival, but the pension adjustment in 223, because after retirement, people have no ability and means to earn money and can only live on pensions, but pensions are often not enough. The pension adjustment in 223 means that the amount of pensions received has increased, which directly affects the quality of life of retirees. Therefore, the pension is the foundation for retirees to settle down, and they are very concerned about the rise of pensions. Then, some retirees suggested that in 223, the pension will be adjusted by 7% for 3, yuan, 5% for 4, yuan and 3% for 5, yuan. Let's break it down again: retirees with 3, yuan or less will increase by 7%, retirees with 3, yuan to 5, yuan will increase by 5%, and retirees with 5, yuan or more will increase by 3%. Can this adjustment be carried out every year? In fact, this problem is what retirees often say about the "lowering the ceiling" of pension adjustment. For the pension increase in 223, there is no suspense in terms of wages, rising prices and the balance of social security funds. Now the focus is on the feasibility of "lowering the ceiling" of pension adjustment. The following is an in-depth analysis from two aspects:

First, where has the pension adjustment policy of "lowering the minimum and limiting the maximum" been implemented? It is also a cliche that some retirees put forward the idea of "lowering the ceiling and lowering the ceiling" for pension adjustment. Judging from the pension adjustment schemes in the past 18 years in 31 provinces and cities, the "lowering the ceiling and lowering the ceiling" for pensions is not unheard of, but a vivid adjustment case, not groundless. For example, in the pension adjustment plan for 222, Beijing stipulates that 625 yuan is the baseline, and the retirees' pensions above 625 yuan will be adjusted to 2 yuan, and those below 625 yuan will be adjusted to 5 yuan, which means that the pensions below 625 yuan will be increased in 3 yuan. This is also a typical practice to take care of retirees with lower pensions, which deserves the praise of retirees. Therefore, in the pension adjustment in 223, 3, yuan will increase by 7%, 4, yuan will increase by 5%, and 5, yuan will increase by 3%. This kind of adjustment method of "lowering the low and limiting the high" is not without similar cases. Especially under the background of "* * * being rich together", considering the fairness and pension gap, it is also a great expectation for retirees with low pensions to set the adjustment ratio according to the pension interval.

second, how feasible is the policy of "lowering the minimum and limiting the maximum" for pension adjustment? In 223, the pension adjustment will increase by 7% for 3, yuan, 5% for 4, yuan and 3% for 5, yuan. The benefits of this adjustment are self-evident, which can effectively narrow the pension income gap, especially for enterprise retirees with pensions below 3, yuan and flexible employment retirees, who can enjoy higher increase. But then again, there are still some disadvantages, and the disadvantages outweigh the advantages on the whole. (1) Violating the incentive function of endowment insurance. The purpose of old-age insurance is to pay more for a long time and pay more for more. In pension accounting, it is reflected in the basic pension, transitional pension and personal account pension. In pension adjustment, it is reflected in the adjustment of pension level and seniority. If the "lower limit and higher limit" of pension comes true, no one wants to overpay and pay the old-age insurance for a long time, which will cause the social security fund to fail to make ends meet. (2) Violating the adjustment requirements of the Ministry of Human Resources and Social Security. It was clearly mentioned in the notice of pension adjustment of the Ministry of Human Resources and Social Security in 222 that the linked adjustment should reflect the incentive mechanism of overpayment and overpayment, and should be linked to the payment period of retirees and the basic pension level. Therefore, the pension adjustment "lowering the ceiling" violates the adjustment requirements of the Ministry of Human Resources and Social Security, and the possibility of realization is slim. (3) Increase the risk of pension payment. Pensions are 3, yuan, 4, yuan, 5, yuan and distributed in a pyramid. Among them, retirees with pensions of 3, yuan or less account for the majority, and the higher the pension, the smaller the proportion. If the pension is lower, but the adjustment range is higher, the total amount of pension increase will be higher before the deficit. In addition, the number of retirees born in 1962 and later will increase explosively, which will increase the payment burden of the social security fund and quickly exhaust the fund balance, which is not conducive to the sustainable development of the old-age insurance system. The above is the pension adjustment in 223, with 3, yuan up by 7%, 4, yuan up by 5% and 5, yuan up by 3%. Feasibility analysis.