The Financial Burden Of The Pension Is "Ten Years".

According to the reporter's understanding, before the reform, the pension for the retirees of the same level was 5000 yuan / month, and the pension replacement rate was around 80%. With the completion of the basic wage adjustment, the implementation plan of local pension integration is gradually maturing. After a month's delay, the staff and workers in the organs and institutions were finally put off.

"From the salary slips I received in early August, my endowment insurance The deduction amount of occupational annuity is 800 yuan, of which, the basic old-age insurance is deducted more than 500 yuan, the occupational annuity is 200 yuan, and the actual income is 100 yuan more than before the adjustment. In August 4th, a staff member of the Beijing technical supervision system, who was responsible for the social security work of his unit, told reporters that the salary of the Beijing institution involved the incumbents and retirees. The average value of the personal pension plus occupational annuity deducted by the in-service staff was about 800 yuan per month, and the retirees who were above the level of the division had an average monthly salary increase of 350 yuan, and the retirees below the rank of the higher level increased salary by 260 yuan.

Reporters learned that in Beijing, the number of people who raised wages after deducting social security payments did not rise or fall, and the average salary increased by 100 yuan. That is to say, the salary increase of all institutions and institutions is over 100 yuan.

Then, will the burden of financial burden on the elderly increase? Zheng Bingwen, director of the Institute of American Studies of the Chinese Academy of Social Sciences, said that the burden of financial burden on pension consolidation was concentrated in the last 10 years. In the future, as the number of "old people" and the "transitional" pensions of Chinese people decrease, the effect of reform will gradually become apparent, and eventually enter a significant period of return.

Pension "low limit high"

"After the merger of pension funds, we worried about two points: the decrease in manual funding and the decrease in pensions after retirement." Above Government-affiliated institutions People say.

According to the regulations, the basic old-age insurance system established by the organs and institutions is integrated with the unified social planning and personal accounts of the staff and workers. The basic old-age insurance premium is jointly borne by the units and individuals. The proportion of the unit's contribution is 20% of the total wage, and the proportion of the individual payment is 8% of the salary. Meanwhile, the occupational pension is set up for its staff. The unit pays the total amount of the total wage of the unit, and the individual pays the 4% of the 4% of her own wage.

According to this ratio, the payment base of the above institutions is 7000 yuan. According to the reporter's understanding, before the reform, the pension for the retirees of the same level was 5000 yuan / month, and the pension replacement rate was around 80%.

"The impact of pension consolidation on the replacement rate of pensions will not be great now." In August 4th, researcher Sun Bo said in an interview with reporters that with the completion of the basic wage adjustment, the implementation plan of pension integration is gradually maturing.

In July 29th, Shandong province first released the implementation measures of the pension reform, and set a timetable: before the end of September, the province's organs and institutions should organize insurance payment according to the "implementation measures".

Reporters in the implementation of the "implementation of the policy before and after treatment convergence policy" part of the understanding that in order to ensure a smooth transition of the reform, to avoid the sharp fluctuations in the treatment of retirees before and after the reform, the basic pension benefits to implement the "old people's old way, new ways of new people, and the gradual transition of Chinese people"; in order to better protect the "Chinese" treatment of a smooth transition, from the date of reform to set up a 10 year transition period. During the transitional period, the new and old methods should be compared according to the principle of "ensuring low and high limit".

"The social security system in Shandong is relatively sound, and the scheme linking the new and old systems can be regarded as a template." However, Sun Bo stressed that under such circumstances, the salary level of employees and government organs and institutions will still be quite different if the wage base is the same. After all, occupational annuity is compulsory payment, while enterprise annuity is still a voluntary payment stage.

At present, the annuity enterprises in China account for only about 4/1000 of the total number of enterprises. This single level pension source has also become one of the important reasons for the low pension level of retirees in China.

The financial burden will last ten years.

At present, there are nearly 40 million in-service personnel in the organs and institutions in China. The retirement system has always been a national insurance mode, that is, individuals do not pay any premiums, and personal accounts are empty accounts.

"The cost of reform will indeed increase, but not much, and most of it is prepaid." Sun Bo stressed that before the reform, the financial expenditure was mainly used to distribute pensions for retirees. After the reform, the finance should not only continue to bear the pensions of retirees, but also pay the social security payment fees for the serving personnel, but this part of the "Chinese" will reduce the corresponding financial burden after retirement.

In other words, after the reform, the pension system has become a mixed system of the pay as you go plus the accumulation system. Some of the actual expenditure has not changed. The fiscal expenditure has changed only one subject. The new expenditure only involves the 8% part of the basic old-age insurance paid by the individual and 12% of the occupational pension.

Regarding this, Su Hainan, vice president of the China Labor Association and chairman of the remuneration Specialized Committee, told reporters: "after the merger of pension funds, the fiscal expenditure will increase, but it will not increase sharply. After all, the impact on retirees is not large. The key is the incumbent. At the same time, at least 20% of the total salary will be increased."

It is understood that in 2014, the average annual wage of the non private units in the cities and towns was 57346 yuan, and the average monthly salary was 4778.8 yuan. If calculated, the government institutions will increase their financial expenditure by at least 38 billion 240 million a year. New fiscal expenditure At least 450 billion yuan or so. However, the premise of this part of the new expenditure is that the personal accounts and occupational annuity accounts should be made real without filling the holes of the overall account.

In addition to the need to pay for the current payment, there are also some historical debts. For example, the time before the reform of the "Chinese people" is regarded as the same as the payment. After the retirement of these people, the current payment may not be a problem, but in the long run, the funding gap which is regarded as the period of payment is still needed to be filled.