2016 should be introduced in the national pension plan, the results did not come as scheduled. Presumably the program is still under further discussion. The country pension contribution rate is not exactly the same, different income levels of the city has a large gap, in complex situations, to coordinate the national pension pension scheme, with a big pot type, is an almost impossible task.
no matter where one is concerned about the pension plan now, can not be the elderly, but the main force to pay social security pension, is struggling for the cause of the young and middle-aged crowd. concern that is: according to the current pension standard, when we retire, what social security pensions can make already aging we continue a decent life?
most of us have more or less the experience of supporting the elderly in China, mostly from our parents and grandparents. Such as our grandfathers endowment, basically is to rely on their many children seem to share the burden, the pension is not to think about them, because most of the cost usually are by the family burden, even illness etc. and reduce social security insurance. But in this case the
my parents who gradually changed, they began to pay attention to this matter, pension benefits and family life, because after the woman just restricted to the one-child policy, so many children rely on common burden "and" strategy completely unworkable. And to our own generation, the situation is more worrying than your parents.
80 generation from the first day of work has been pay social security payments, enjoy social insurance and welfare distance, at least until after the age of 65, with undergraduate 23 years, will take 42 years to get the first pen pension fund. After so long in the future, so a variety of variables during the There's no telling. But in any case, don't expect their children as a pension, but can only rely on social pension to retire a generation, always worried: if a lifetime money in the end, the fund can not afford their own life, then our future will become what look like?
obviously, when we are old, there is indeed a risk of falling into the bottom of the middle income, or that we all have the possibility of becoming a "dirty old man".
lets us look at ourselves through the experience of our neighbors. Fujita Takano, a Japanese writer who works for the poor to support NPO's work in the book "the dirty old man," refers to the fact that the prevalence of the elderly in Japan is limited to poverty. The author defines what is known as the "poverty of the elderly", which means that the income of the individual is not half the median income of the area. The word "dirty" refers to the income level and social class of middle level from work when the downward slide, that fall to the poor in. Not only have incomes become extremely low, there is not enough money to deposit, but there is no one who can be relied upon in society. Thus, the term "" can also be interpreted as a "state of losing all secure networks"." according to the authors said in the book, the Japanese pension system (Social Pensions) has become increasingly unable to effectively play the function. In 2014 the elderly society white paper shows that Japan is only 20% that can receive 100 thousand yen annuity, 19% that can receive 150 thousand annuity, is expected to receive more than 300 thousand yen only 2.8%, more than half of the people in the 100 thousand to 200 thousand annuity. It is not difficult to see that the number of people who can get high annuity is very small. However, in the general can not get high retirement pension, retirement life will be what kind of face?
Japan Ministry of statistics in 2014, if the husband and wife two elderly people living together, it includes the cost of basic necessities of life and social insurance for all, the average need 270 thousand yen a month. That is to say, sixty-five years old, even if there is a monthly annuity of $200 thousand and other income, even if a retiree has a deposit of three million, will be used up in about four years. Even if deposits reached ten million yen, but also less than 14 years, will eventually fall into poverty. Those who look good income before retirement white-collar workers, and ultimately may not be able to escape the victims, into a dirty old man.
situation is not optimistic. If the elderly poverty in Japan has been so serious, so we can conclude that the in per capita income is far less than Japan China, ordinary people because of the pension problem from the middle to the bottom slide, even in the economic collapse of the actual proportion will be far higher than japan.
according to data released by the Ministry of civil affairs, China's elderly population will reach 300 million in 2025. How much does it cost to maintain such a large number of elderly people in order to maintain a decent living? If half the average income of the community the algorithm requires a minimum of about 2600 yuan (in 2015 the National Urban Non private units, the average wage of workers is 63241 yuan). Just over a year, it would have to cost 9 trillion and 360 billion yuan to pay for pensions, more than the sum of the two economic stimulus packages of the past 08 years
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