Today, a friend asked why, after so many years, the issue of unifying the amount of retirement pay has never been put on the agenda. Some friends might think that retired elderly should receive the same pension, which would be fair, right? However, absolute fairness can also be a form of relative unfairness. Let me ask everyone a question: Is it fair for someone who pays 100 yuan a year and someone who pays 100,000 yuan a year, or someone who has paid for 15 years and someone who has paid for over 40 years, to receive the same retirement pay?

To be honest, since the establishment of our retirement system, we have never achieved a situation where everyone receives the same pension. Of course, in the past, the level of retirement pay was indeed relatively close among people.

The reform of the pension insurance system and the retirement benefits of people are determined based on the individual's basic salary multiplied by the length of service to establish a payment ratio, plus the local retirement living allowance (determined by the level at the time of retirement). The payment ratio is set quite roughly, such as the following only four levels: 70%, 80%, 85%, and 95%. The payment ratio is the same for 20 years and 29 years of service. Because people's levels were almost the same at that time, it led to many people having the same retirement benefits.

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With the advancement of the pension insurance system reform, our country has established the urban and rural resident pension insurance system and the basic pension insurance system for employees. There is a huge difference in contributions between the two. The minimum payment level for the urban and rural resident pension insurance is 100 yuan/year. Starting from July this year, the upper limit of the payment base in Shanghai has reached 36,921 yuan, and the personal and unit contribution ratio for employees is 24%. If paid at the highest base, it would be 8,861 yuan per month, or 106,000 yuan per year.

Employee contributions are mandatory, as long as the monthly salary of the previous year reaches the corresponding base. Resident contributions are voluntary, with the option to choose 100 yuan, 1,000 yuan, or 5,000 yuan, depending on local policies.

The pension insurance contributions can differ by thousands of times in a year, and there is also a difference in contribution years ranging from 15 to over 40 years. If the pension is the same, it is definitely unfair!

In fact, there are mature experiences abroad. Japan has an equal pension called the National Pension, which implements uniform contributions and uniform benefits. A monthly contribution of 15,900 yen, and after retirement, it is about 7.855 million yen per year. This is equivalent to a monthly contribution of 1,000 RMB, with a retirement benefit of 3,000 to 4,000 RMB per month. Of course, this is not absolute equality; Japan's National Pension requires 40 years of contributions, and if the contribution period is not met, it is reduced proportionally. Japan's National Pension also has proportional increases and decreases for early and late retirement, with the pension being higher the later one retires.Due to the relatively high income of residents in Japan, even receiving the full pension is not enough to guarantee a living. What about the higher pension needs of people? Japan also has systems such as the National Pension, the Mutual Aid Pension, and individual pensions.

If we were like Japan, if we were to implement the so-called same pension treatment in the future, where everyone pays 100 yuan per year, how much could they receive after retirement? In fact, this is our country's urban and rural resident endowment insurance system. As long as the payment is made for 15 years and reaches the age of 60, one can receive the national basic pension. The current national minimum standard for the basic pension is 103 yuan per month, and it will be increased to 123 yuan this year. If it were a fair pension for everyone, different places would not be able to arbitrarily raise the standard of the basic pension (Shanghai has already increased it to 1490 yuan). Actually, think about it, paying 100 yuan per year and receiving 123 yuan per month after retirement is actually very cost-effective.

However, what if the pension is not enough for old age? Enterprises and institutions will definitely seek other ways for their employees, that is, they will build a new pension on the basis of the same pension to improve the pension treatment level of the employees.

The basic pension insurance for employees now has a minimum payment of more than 10,000 yuan per year, and these funds, if accumulated, can also form a considerable pension treatment. Relatively speaking, without the national pension guarantee, people's retirement treatment will be reduced.

Overall, our current pension system has actually been formed after decades of practice, and the same pension for everyone is not suitable for our country's situation. #Headline Creation Challenge# #Pension#