Since May 1 of this year, the policy of social insurance fee reduction has been officially implemented. In particular, the payment rate of pension insurance units can be reduced to 16%, and the maximum province can be reduced by 4 percentage points.
As the "life support money" entrusted by ordinary people to the state for management, pension has been highly concerned.
It has been three months since the Ministry of Human Resources and Social Security issued the Notice on Adjusting the Basic Pensions of Retirees in 2019. How about the implementation in various regions?
Publish adjustment scheme in multiple places
The reporter of the International Finance News noted that as of June 19, Beijing, Shanghai, Guangdong, Hunan and other places had released specific plans to adjust the basic pension of retirees.
On June 14, the Beijing Municipal Bureau of Human Resources and Social Security issued the 2019 centralized adjustment plan for social security benefits, specifying the pension benefits for enterprise retirees: from January 1, 2019, Beijing will continue to adjust the basic pension for enterprise retirees (including retired and retired employees), with an increase of about 5%. After adjustment, the per capita increase will be about 220 yuan, and the average pension level will reach 4157 yuan per month.
According to the Beijing Human Resources and Social Security Bureau, the adjustment is expected to benefit 2.57 million people, and the pension will be reissued from January this year, and will be distributed to retirees of enterprises on June 15.
The Shanghai Human Resources and Social Security Bureau clearly stipulates that each person will increase 60 yuan per month; According to the payment period of pension insurance for urban employees, 2 yuan will be added every month for every full year. If the increase is less than 30 yuan, it will be supplemented to 30 yuan; Then take the basic pension I received monthly in December 2018 as the base, and increase by 2.2% every month.
The relevant person in charge of the Ministry of Human Resources and Social Security previously said that there would be some differences in the specific adjustment methods between regions due to the different levels of economic development and the basic situation of retirees in different regions. It is necessary to reasonably determine specific standards in accordance with the unified requirements of the state, in combination with local conditions, taking into account the retirees of enterprises and institutions, and on the basis of full research and demonstration.
The Hunan Human Resources and Social Security Department proposed in its adjustment notice that each retiree should increase the basic pension by 50 yuan per month. At the same time, on the basis of this adjustment, for retirees who participate in the basic endowment insurance for enterprise employees, the basic pension will be increased by 3 yuan for every full month according to their own contribution years, and those whose contribution years are less than one year will be recorded as one year.
The Hunan Human Resources and Social Security Department also reflects the principle of "appropriate tilt". On the basis of quota and linkage adjustment, the elderly personnel will be appropriately tilted to those over the age of 70. For retirees aged 70 to 80, on the basis of the above adjustment, the basic pension will be increased by 20 yuan per person per month; For retirees over 80 years old, the basic pension will be increased by 30 yuan per month.
Full payment can be guaranteed
Since May 1 of this year, the policy of social insurance fee reduction has been officially implemented. In particular, the payment rate of pension insurance units can be reduced to 16%, and the maximum province can be reduced by 4 percentage points.
After the reduction of social security fees, will the obtained pension be guaranteed?
Zhang Jinan, Minister of Human Resources and Social Security of the People's Republic of China, gave "reassurance" at the two sessions on the issue of the payment of pension benefits after the reduction of the social security rate. He said, "We have the ability to ensure that the pension is paid in full and on time."
According to the latest data released by the Ministry of Human Resources and Social Security, as of the end of last year, 943 million people had participated in basic pension insurance nationwide, including 419 million urban employees. The accumulated balance of basic pension insurance fund for urban employees was 5090.1 billion yuan, which has a relatively strong guarantee ability.
Liu Kun, Minister of Finance, also disclosed at the two sessions that in order to ensure that pensions are paid in full and on time, four major measures will be taken this year:
First, increase the proportion of dispensing. It is expected that the central adjustment fund will reach about 600 billion yuan in the whole year, further easing the pressure on fund income and expenditure in individual provinces.
Second, increase subsidies. We will appropriately raise the level of basic pensions for retirees, and plan to allocate 739.2 billion yuan from the central government for basic pension transfer payments, up 10.9% year on year, with a focus on central and western regions and old industrial base provinces where the contradiction between fund receipts and expenditures is prominent.
Third, make up the gap between income and expenditure. For provinces that still have accumulated gaps in the fund after central adjustment and central financial subsidies, the gap in fund income and expenditure will be made up in accordance with the principle of shared burden by the central and local governments.
Fourth, accelerate the standardization of pension insurance at the provincial level. We will continue to consolidate the achievements of the existing provincial endowment insurance plan and further standardize relevant policies. On this basis, we will promote the realization of national pooling of pension insurance as soon as possible. According to the arrangement of pension insurance funds this year, all provinces can achieve balance.
The third pillar or power generation
Even at the current stage, the state can guarantee the full payment of basic old-age insurance, but in the context of prominent population aging, how to promote the construction of the old-age security system is still a major problem.
Zhu Junsheng, deputy director of the Insurance Research Office of the Development Research Center of the State Council, pointed out in an interview with the International Finance News that there are three levels of pension security in theory, but in fact, the first level, namely the government led basic pension insurance, still plays a leading role.
The so-called multi-level has not been well reflected, such as the second level of enterprise annuity or occupational annuity, and the third level of commercial endowment insurance. Under the market-oriented mechanism, their share is still small, and they have not yet provided much income for people's future retirement pension in a real sense.
Zhu Junsheng said that it is very important to improve the status of commercial endowment insurance, which needs to be taken as an important level and pillar in the pension security system.
"The biggest space still lies in the development of the third pillar." Some experts suggested that we should give full play to the guiding role of tax policies, promote the rapid development of personal tax deferred commercial pension insurance, make up for the shortcomings of the third pillar of pension security as soon as possible, and build a multi-level pension security system.
In addition, the Ministry of Human Resources and Social Security also disclosed on June 11 that in order to improve the multi-level endowment insurance system, it is working with relevant departments to study and formulate the third pillar policy document of endowment insurance, which is progressing smoothly. "In the future, financial products such as bank wealth management, commercial pension insurance and funds that meet the requirements can all become the third pillar of pension insurance products. Through long-term investment and operation in the market, the value of personal pension can be maintained and increased".
(International Financial News reporter Luo Ge Mei)