The Number Of Abnormal Early Retirement Is Increasing.

When the government constantly demonstrates the necessity of postponing retirement, the phenomenon of irregular early retirement is increasing.

Jin Weigang, director of the Social Security Research Institute of the Ministry of human resources and social affairs, recently revealed that the problem of "not retiring before retirement" is outstanding. The number of retirees in some areas accounts for 30% of the retirees of the year.

"The social insurance system is designed on actuarial basis, while actuarial calculations can only be based on normal life tables and statistical data. However, in some areas, the act of" tampering with age "and other abnormal behaviors in order to achieve the purpose of early retirement will lead to deviations from actuarial results based on normal circumstances, which will ultimately affect the safety of funds. Moreover, such fraud is a speculation and violation, affecting the social atmosphere and bringing about a bad demonstration effect.

In May 4th, Yu Qingquan, the founder of 51 social security, told reporters that the purpose of early retirement is strictly prohibited by modifying the age. The Ministry of human resources and social affairs has issued documents for many times to strictly control early retirement.

At the end of April, the five departments of the national Aging office, the Ministry of civil affairs, the national development and Reform Commission, the Ministry of personnel and social affairs and the State Health Planning Commission jointly issued the "13th Five-Year plan for the development of the national aging industry and the pension system". It indicated that during the 13th Five-Year period, the pension insurance system will be reformed and improved through the measures of "increasing income" and strict management, so as to realize the long-term balance of the endowment insurance fund. On the basis of ensuring the timely and full payment of the basic pension, we must strictly control the early retirement and prevent the fund from dripping away.

According to our current regulations, men retire at the age of 60, female cadres and scientific and technological personnel retire at the age of 55, and female workers retire at the age of 50.

That is, to retire ahead of time

The central government is to allow qualified personnel to retire in advance.

In the current policy of the state, there are provisions for special jobs, full service age and other statutory conditions, which can be retired in advance.

According to the State Council's "retirement of workers,"

"Interim Measures" and "Interim Measures for resettlement of elderly, weak and disabled cadres" are engaged in underground, high altitude, high temperature, especially heavy physical labor or other harmful physical health work (hereinafter referred to as "special type of work"). Men aged 55 or above, who are over 45 years of age and who have worked continuously for 10 years, should retire.

In addition, workers who are disabled due to work and lose their ability to work may also be able to retire early.

But at the practical level, the early retirement system has been repeatedly exploited.

"There are three ways to retire in an abnormal way. There are mainly two forms: first, to change the age and to change the age; two, to get the proof of the special type of work through the relationship, so as to achieve the purpose of early retirement."

In May 4th, Dong Dengxin, director of the Institute of financial and securities research of Wuhan University of Science and Technology, told reporters that there are two kinds of changes in age. One is the age of unconsciously changing the age, for example, the age of revision due to the need to study or join the army. The purpose of this change is not to get a pension earlier, but objectively to retire early. The two is to deliberately change the age of the ID card, the purpose of which is to cheat insurance, so as to achieve the purpose of early retirement.

According to the reporter, early retirement is based on the perspective of enterprises. For example, some poor state-owned enterprises hope to retire early and retire, reduce their wages, insurance benefits, and so on, so as to achieve the goal of reducing staff and increasing efficiency.

On the other hand, there are also individual perspectives. Some people want to extricate themselves from inefficient enterprises because of their own economic interests. Some people even hope to get rid of the bondage of the system even if the efficiency of the unit is good.

For this reason, although the central government has stipulated the principle of early retirement, in some places, under the complicated interest relationship, it has become a conditional early retirement.

Ahead of schedule

Wang Yongfu, an employee of the Water Conservancy Bureau for many years, said in an interview with reporters that when he did not retire, his monthly income was only 4000 yuan. Although the pension after early retirement was only about 3000 yuan, there was a unit returning to him, and the monthly salary was 2500 yuan. "The key is self possession. At the same time, with the continuous increase of the basic pension, my pension has far exceeded the wages of the employees at that time."

Wang Yongfu said there were only two places for early retirement.

In recent years, the basic pension has been continuously raised, and even the phenomenon of "upside down" of pension is higher than that of on-the-job wages. This is also one of the main reasons why the incumbent officers are scrambled to fight for early retirement.

Early retirement is relatively high in some places and units, and there are many irregularities. This brings many contradictions and aggravates pension burden in disguise.

"It is very necessary to guarantee eligible employees to retire in advance. However, in the context of the increasing aging of our country and the high burden of pension payments, it is urgent to block the illegal early retirement, because the phenomenon of early retirement is widespread, which means that a large number of workers are required to collect the pension before they are raised, which will greatly increase the pension burden."

Dong Dengxin said that no matter what kind of early retirement, it virtually makes social security payment incomplete or even inadequate, which has an impact on the accumulation of social security funds.

There was once a poll on early retirement. From the perspective of the nature of the unit, the number of units with early retirement and the phenomenon of leaving the job in turn were: administrative units (51.9%), public institutions (25.1%), state-owned enterprises (19.8%), private enterprises (1.6%), and foreign enterprises (0.5%).

"The early retirement of organs and institutions mainly affects occupational pension and basic old-age insurance funds. Before the basic pension insurance is not merged, the length of work of staff in institutions and institutions is as long as 30 years. Most of the pension payments are made according to 80% of the on-the-job wages, and the treatment is relatively high. However, after the reform, the pension is composed of basic pension and occupational annuity, and the uncertainty of pension increases."

On May 4th, Sun Bo, a special member of the 50 Member Forum of China's pension finance, told reporters that the pension funds of public institutions were independent. Therefore, in the short term, there was little effect on the big basic pension plates. But by modifying age and other behaviors, early retirement, less payment and more pensioners would continue to aggravate the basic pension burden in the long run.

According to statistics from the Ministry of human resources and social services, the actual retirement age of residents in China is far below the statutory retirement age. The average age of pensioners is only 53 years old.

It is obvious that early retirement exacerbates the imbalance between the fund's income and expenditure, and does not block the premature retirement.

Dong Dengxin also said that we should regulate such abnormal phenomena of early retirement, strictly enforce the supervision and examination and approval of early retirement in accordance with the laws and regulations of the state, reduce the loss of funds, and prevent the breeding of fraud, crime, corruption and other acts on the basis of "increasing income and reducing expenditure".

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