The Delayed Retirement Scheme Is Expected To Be Launched In The Year.

In recent years, the topic of "delaying retirement" has aroused heated debate among all sectors of society.

However, as the Minister of the Ministry of social affairs has made a statement again, the delay in retirement may not be far away from us.

According to the Ministry of human resources and social affairs, the delayed retirement plan is expected to be launched in the year and widely sought advice from the community.

However, according to the general process, it may take at least 5 years before the formal implementation begins.

According to statistics, the total income of China's endowment insurance fund in 2015 was 2 trillion and 700 billion, while the total expenditure was 2 trillion and 300 billion, and the current balance was about 300000000000 yuan.

At the same time, from the current balance of pension fund in China, it has reached about 3 trillion and 400 billion.

It can be seen that there is no pressure on the gap in our country at this stage, but with the continuous aging of the population, the pressure of income and expenditure of the pension fund will increase significantly in the future.

If we postpone the retirement policy, we will have a profound impact on the living conditions of most of the ordinary people.

Among them, for 70, 80, 90 groups, will undoubtedly become the biggest impact.

In view of China's policy of postponing retirement, there are actually many considerations.

Among them, several problems become the main influencing factors for postponing retirement.

Among them, the statutory retirement age in China is stipulated in 1953, and today, with the rapid growth of our country's population life expectancy, the statutory retirement age in China is somewhat low.

Moreover, compared with the retirement age of mature countries abroad, the statutory retirement age in China is relatively early.

Among them, the retirement age of some mature countries has reached over 65 years old.

In addition, we should take into account the pressure of income and expenditure of our pension fund in the future.

At present, although there is no official postponed retirement plan, the delay in retirement will be gradual.

In short, the retirement age will only be delayed for a few months every year, and then around 2045, men and women will retire at the age of 65.

So what is the impact of this way of postponing retirement?

Among them, talk about the favorable side.

With the implementation of the policy of delaying retirement, the pressure of income and expenditure of China's pension fund will be effectively alleviated in the future, and at the same time, it will help to integrate with the retirement age of mature countries abroad.

In addition, with the improvement of the retirement age of ordinary people, it may gradually enhance the ability of people to invest and manage finances so as to slow down their investment.

Purpose.

In fact, there will be pros and cons for any policy.

In other words, since delaying retirement has a positive side, there will also be drawbacks.

Talking about the malpractice of postponing retirement may have a more profound impact on the living conditions of ordinary people.

Obviously, this is also the core problem that the state must solve before implementing the policy of delaying retirement.

Among them, before the implementation of the delaying retirement policy, we must solve the problem of "fairness".

Taking the replacement rate of pension as an example, the pension replacement rate of institutions and institutions in the past reached more than 80%, while the average pension replacement rate of ordinary employees showed a continuous downward trend, while the overall replacement rate level was less than 50%, and even less than 20%.

In the actual situation, for ordinary employees, most of them only enjoy the basic pension, but it is difficult to enjoy corporate annuity, commercial supplementary pension insurance and other treatment.

As a result, with their retirement age, the pension replacement rate is quite low.

At present, although the local endowment insurance merger plan has been gradually released, and generally set a pitional period of 10 years, but the final implementation effect remains to be seen.

However, for ordinary employees, under the premise of lower pension replacement rate, we still need to take into account factors such as rising prices and high cost of living.

Therefore, emphasizing "fairness" and slowing down the pension income gap is an important task at present.

Moreover, delaying retirement will profoundly affect the society.

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At this stage, the number of university graduates in China is as high as about 7000000 per year, while the rest of the number of social workers with employment demand is not to be underestimated.

At the same time, with the further promotion of capacity and other tasks, a large number of workers have the demand for resettlement or re employment.

As a result, the potential employment pressure in China will be quite heavy.

The implementation of the delayed retirement policy often means that the promotion and development space of young people has been suppressed. While the middle aged people occupy the social work position for a long time, it has reduced the efficiency of the society to a certain extent, and is not conducive to the sustained and healthy development of our economy.

However, this is not the most frightening, and the most terrible is the group between 50 and 65 years old.

In today's highly competitive employment environment, groups aged between 50 and 65 often do not have a better competitive advantage, or even put them in a state of long-term unemployment.

Another way to think about it is that if a worker falls down due to illness before retiring, he will not only drag down the entire family, but also make his children bear enormous pressure on life.

At the same time, it is a heavy pressure for women to follow the analysis of the 65 year old retirement scheme issued by men and women.

According to the present

The retirement age for male workers and cadres is 60 years, while the retirement age for female workers is 50 years and the age for cadres is 55.

Thus, for men, the span of delayed retirement is not large.

However, for women, especially for female workers, the delay from 50 years to 65 years is indeed a great span.

For this, it is a heavy pressure for the female group.

In addition, our country has been in a state of high tax burden and low welfare for a long time, and the state's investment in people's livelihood is still relatively low.

As a result, in the implementation of the policy of postponing retirement, it is essential to reverse this embarrassing situation in order to alleviate the pressure of ordinary people's lives and enable the common people to enjoy the fruits of national economic development.

The author believes that although the speed of population aging in China continues to accelerate, it is easy to aggravate the pressure of income and expenditure of pension funds in China, but relieving the pressure of income and expenditure of pension insurance funds does not necessarily only adopt the policy of delaying retirement, but also helps to maintain and increase the value of pension insurance by means of multiple channels.

These include enhancing the investment and operation ability of pension funds, raising the proportion of state-owned enterprises to pay, improving the state's financial subsidies and reducing the unnecessary expenses of various parts, which also can alleviate the pressure of income and expenditure of the pension fund.