is about to enter 2023, and the pension adjustment that retired elderly people are most concerned about has entered a window period again. From 2005 to the present, the pensions of retired employees of enterprises have increased by 18 consecutive times, and there is little possibility that will suddenly brake. The " Social Insurance Law " also stipulates that the pension level should be continuously adjusted based on the increase in employees' wages and price increases. At present, the proportion of wage income growth in my country's residents in the first three quarters was 5.1%, and the proportion of the consumer price index growth was 2%. Both key factors are in a stable growth state. Therefore, for the above reasons, I believe that the pension will still increase next year.
Due to the different pensions of retired elderly people, some elderly people pay pension insurance for fifteen or sixteen years, and the retirement pension is only more than 1,000 yuan. However, some elderly people can have pensions of 6,000 or even tens of thousands of yuan. According to the current living standards, the pension can only be more affordable if it reaches three or four thousand yuan after retirement.
The pension adjustment after retirement needs to narrow the gap in everyone's income level. So can the pension increase if the pension is low, and the pension increases less or not? For example, if the pension is less than 3,000 yuan, the pension is less than 500 yuan, and if the pension is more than 6,000 yuan, the pension is not higher?
To be honest, such suggestions are impossible to achieve . There are three main reasons:
First, the fairness of pension benefits . Pay more and get more, and pay more and get more and get more and get more and get more is the basic principle of pension insurance funds. If you say that pay less and get more and get more and don’t pay more, it is impossible to be adopted.
Nowadays, many people pay according to the 60% base (or the minimum payment base) for 15 years and are waiting to receive their pension. Some people pay according to the high base, and the amount of money they pay is much more than the minimum base for 15 years. Paying fees at a base of 300% is five times the amount of payment per year. In addition, some people pay pension insurance for 30 years, 40 years or even longer. In this case, the pension insurance premiums we pay in may be more than ten times different from . Therefore, it is understandable that the pension difference is more than ten times.
If the pension for low-base payments increases, people who pay high-base payments will quickly catch up with those who pay high-base payments, from the perspective of personal interests, everyone will choose to pay less, which will affect the balance of income and expenditure of the pension insurance fund.
When the pension is adjusted, if people with high pensions do not benefit, and even suffer from price growth, they will actually experience negative pension benefits, then people will reduce their pension insurance contributions by reducing the base and underpaying the years. In this case,
will affect the principle of paying more and getting more and getting more and getting more and getting more, and even the foundation of the market economy distribution mechanism will be shaken.
Second, the balance of income and expenditure of pension insurance funds . In 2021, the per capita pension level of retired employees in my country is 2,987 yuan. If people with pensions below 3,000 yuan increase by 500 yuan, it is equivalent to an increase of as high as about 17%. In fact, our pension growth has not reached this level for many years. It was only 10% from 2008 to 2015, 5% in 2020, 4.5% in 2021, and 4% in 2022.
In 2021, the total expenditure of employees’ basic pension insurance fund in China reached 5648.1 billion yuan, and the cumulative balance was 5257.4 billion yuan. According to economic data, pension growth of 3% to 4% in 2023 is OK. If it is rapid growth, the pressure will be unbearable.
0, which is the fundamental question.
Third, historical factors should be considered comprehensively. The pension adjustment plan for the past 10 years has been comprehensively implemented through three methods: fixed quota adjustment, linkage adjustment, and appropriate inclination. Suddenly and dramatically change the adjustment method, which is difficult for society to accept.
In fact, we do have a low-pension preferential policy, which mainly increases the growth rate of low-income people through fixed quota adjustments, and then narrows the pension gap among people in three ways.
For example, Shandong Province's pension adjustment plan last year, the number of elderly people with a pension of 1,000 yuan increased by 7.5%, while the number of elderly people with a pension of 6,000 yuan increased by only 2.5%.
, especially Beijing’s 2022 pension adjustment plan, will increase by 50 yuan for retirees with pensions below 6,250 yuan, and only increase by 20 yuan for retirees with pensions above 6,250 yuan.
It can be said that it is not unacceptable that people with lower pensions will increase their amount or proportion of money or proportion. However, people with higher pensions cannot be allowed to not increase at all.
