Ministry of Human Resources and Social Security recently released the "Human Resources and Social Security Express Data". Statistics show that the number of people participating in the basic old-age insurance for urban and rural residents is close to 500 million, which has exceeded the basic old-age insurance for urban workers with 300 million participants. However, the difference between the two funds is huge, and the former is less than one tenth of the latter.
According to the Express, at the end of the period, the number of people participating in the basic old-age insurance for urban employees was 322,654.38+0.2 million, the fund income was 2,248.36 billion yuan, and the fund expenditure was 65.438+0.84/kloc-0.67 billion yuan. At the end of the same period, 497.5 million people participated in social endowment insurance for urban and rural residents, with fund income of 2,654.38+0.540 billion yuan and fund expenditure of 6,543.8+0.4537 billion yuan. According to the preliminary calculation, the fund expenditure of the former is 12.7 times that of the latter, and the fund income is 10.4 times that of the latter.
Compared with the basic old-age insurance for employees, the residents' old-age insurance is low in both absolute value and relative value. ? Gao Qingbo, a researcher at the World Social Security Research Center of China Academy of Social Sciences, said that from the perspective of payment level, the per capita payment level of residents' pension insurance is only 169 yuan, which is only a fraction of the per capita payment of employees' pension insurance.
Low treatment directly affects the treatment level of the system. According to the Opinions on Establishing a Unified Basic Old-age Insurance System for Urban and Rural Residents issued by the State Council at the beginning of the year, the current individual payment standard is set at 100 yuan to 2,000 yuan per year, 12 files. According to the current payment level, residents choose to pay at the lowest level of 100 yuan per year. The government subsidy is calculated according to 30 yuan, and the interest rate is assumed to be 3.5%. After the payment reaches 15 years, the total personal account pension is 2508 yuan, and the part of personal account pension that the insured can receive after reaching the age of receiving benefits is 2508/ 139. By the same token, if you pay according to the grade of 500 yuan every year, then the total pension you can receive every month is only 129 yuan.
In fact, according to the statistics of Ministry of Human Resources and Social Security, the average monthly basic pension for urban and rural residents is only 8 1 yuan. ? The current pension level can't bear the heavy responsibility of economic security for the elderly, and such a payment level is also a burden for the extremely poor. ? Gao Qingbo said that from the source of funds for residents' pension insurance, fund payment is basically financial transfer payment. Obviously, this system is not an insurance system, but mainly a welfare system, although it is also called endowment insurance. ?
Judging from the inflation rate and price level, more than 100 yuan can not fundamentally guarantee the basic pension needs of the insured. If the interest is calculated according to the deposit interest rate for a long time, it is even more impossible to guarantee the preservation and appreciation of the funds in the personal account, and the pensions that the insured get from the personal account are few and far between. ? Ni Zhihao of Ministry of Human Resources and Social Security Social Insurance Management Center believes that the key to solve this problem lies in establishing and improving the adjustment mechanism of residents' pension benefits. Compared with the changes in the payment and treatment level of residents' pension insurance in recent years, the employee pension insurance has been increasing by 10% since10. As of this week, 25 provinces, autonomous regions and municipalities across the country have completed the work of adjusting the basic pension level of enterprise retirees this year, with Beijing ranking first with an average monthly pension level of 3,050 yuan. This is the 10 year since 2005, and the average monthly pension for enterprise retirees has increased from 7 14 yuan in 2005 to about 2,000 yuan.
Jong Li, a spokesperson for Ministry of Human Resources and Social Security, said that this year's pension increase standard for enterprise retirees was determined by comprehensively considering factors such as the average wage increase of employees, rising prices, the pension insurance fund and financial affordability, and the pension level of enterprise retirees. Another very important aspect is to insist on paying more and getting more, paying more and getting more for a long time, and realizing the steady improvement of pension level. Regarding the adjustment of residents' pension standards, Wang, a postdoctoral fellow at the World Social Security Research Center of China Academy of Social Sciences, believes that the fairness of public financial subsidies is insufficient, and the standards of residents' pension insurance subsidies need to be improved.
Ni Zhihao believes that at present, the basic pension has a great influence on the level of pension benefits for residents. The basic pension should be linked to the per capita net income of the insured, and the basic pension will be improved with the economic development and income increase by establishing a dynamic input mechanism of the central financial subsidy funds. Through this move, we can not only overcome the influence of inflation factors to a certain extent, but also make the system a long-term and stable guarantee mechanism, so that the insured can really feel safe and dependent. ? He said. In order to improve the treatment level of the old-age insurance system for urban and rural residents, the Opinions on Establishing a Unified Basic Old-age Insurance System for Urban and Rural Residents also made arrangements: it is required to establish a normal adjustment mechanism for the minimum standard of basic pensions and adjust the national minimum standard of basic pensions in a timely manner according to economic development and price changes. More recommendations:
The latest news of enterprise retirement pension increase in 25 provinces, autonomous regions and municipalities
The latest news of Sichuan's 20 15 unified old-age insurance system for urban and rural residents
The latest news of pension adjustment for enterprise retirees in Nanyang, Henan Province
The latest news of pension increase for urban and rural residents in Zigong, Sichuan
20 15 on the pension reform of government agencies and institutions: it is easier to get started than to make a foregone conclusion.