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Prior to 2015, the basic pension for corporate retirees had increased by 10% annually for 11 consecutive years. In 2016, the adjustment of pensions for retirees of enterprises and institutions was reduced to 6.5%. This adjustment was the first time in October 2014 that the pension system reform of the institutions and institutions was adjusted according to the basic pension adjustment method. The retirees of government agencies and institutions have adjusted their treatments for the first time, and they have taken the first step in coordinating the adjustment of the treatment of all types of retirees.
In 2017, the pension benefits of enterprises and institutions in China will be increased moderately, and the increase in pensions for enterprise retirees will be higher than the increase in pensions for retirees in institutions and institutions. Experts said that during the 13th Five-Year Plan period, the goal of narrowing the income gap will be to pay more attention to the sound distribution mechanism. The difference between the two is different. It is a direct reflection of the integration of the endowment insurance system of enterprises and institutions and the enhancement of fairness.
In addition, the extent of the pension increase may not be able to return to the previous 10% level. “The decline in growth rate was mainly due to the economic downturn and the decline in fiscal revenue. In addition, the 10% increase in pensions each year lacks an objective basis for the system.â€
Yang Liangchu, director of the Center for Social Development Research of the China Academy of Fiscal Science, told the Economic Information Daily that the increase in pensions lacks institutional guarantees. The basic adjustment mechanism for basic pensions should be established as soon as possible, and inflation rates can be selected, especially for the elderly. The price increase of closely related daily necessities is a linked indicator, and the adjustment should also be linked to the wage level of working staff.
Zheng Bingwen, director of the World Social Security Research Center of the Chinese Academy of Social Sciences, told the Economic Information Daily that the growth rate of pensions needs to consider various factors, including the decline in GDP growth rate, inflation, and the decline in the average wage growth rate of the society. the result of. “The current level of pension growth is actually in line with the current pension growth needs, and matches the current salary growth level,†he said.
Experts believe that in order to achieve continuous upward adjustment of pensions in the future, it is necessary to open up new funding channels and increase the replacement rate of the first pillar from the aspects of increasing financial input, further expanding the scope of collection of pension insurance, disposal of state-owned assets, and diversified investment operations.
Judging from the sustainability of the fund itself, the China Social Security Development Report 2016 believes that although the current growth trend of pension fund expenditure is stronger than the growth of income, the pressure on fund balance is increasing, but from a national perspective, There will be no fund payment crisis in the short term. As of the end of 2015, the accumulated balance of basic pension insurance funds reached 399.37 billion yuan.
With the current increase in pension benefits, is it possible to maintain the pension replacement rate (the ratio between the level of pensions received by workers when they retire and the level of pre-retirement wages)? Zheng Bingwen believes that this mainly depends on the GDP growth rate and the average wage growth rate of the society. The peg to the index means that the replacement rate will not fall. In the international arena, the pension standard is also established according to this practice.
In addition, the development of a multi-level pension insurance system, accelerating the development of the “second pillar†enterprise annuity and the “third pillar†personal commercial endowment insurance in the “three pillars†of pension is also an important factor in rationalizing the replacement rate of pensions and enhancing the “sense of acquisition†of the masses. way.
However, the enterprise annuity system faces the challenge of low employee participation rate. At present, the number of participants is only 23 million, less than one tenth of the 260 million basic pension contributions. What's important is that the previous year's growth was more than 10%, and the highest was 18%, but in 2016 it was only 1%. It was almost stagnant. This lameness put the "multi-level" old-age security system in an awkward position.
The “13th Five-Year Plan†outlines “Building a multi-level pension insurance system including occupational annuities, enterprise annuities and commercial insuranceâ€. At present, how to expand the participation rate of enterprise employees is the biggest problem in the development of enterprise annuity. Experts suggest that the way out can be found from the inefficient allocation of existing corporate tax burdens, that is, under the premise of ensuring that the overall tax of existing enterprises does not increase, the proportion of taxes and fees for some inefficient operations is reduced through institutional restructuring, so that the structure of taxes and fees More reasonable. The reporter learned that the top-level design of the three-pillar pension will soon be available.
Pension benefits continue to moderately improve top-level design will soon be available
Abstract The reporter learned that in 2017, the pension benefits of Chinese enterprises and institutions will be increased in a timely manner, and more than 100 million retirees will benefit. Experts analyze that the increase in pensions for enterprise retirees will be higher than the increase in pensions for retirees in government institutions and institutions...
The reporter learned that in 2017, the pension benefits of Chinese enterprises and institutions will be increased in a timely manner, and more than 100 million retirees will benefit. Experts analyzed that the increase in pensions for enterprise retirees may be higher than the increase in pensions for retirees in government institutions and institutions, and a reasonable adjustment mechanism for basic pensions should be established in the future.