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Does the southern pension balance support the Northeast? Heilongjiang pension 2119 yuan

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Does the southern pension balance support the Northeast? Heilongjiang pension 2119 yuan -Does-the-southern-pension-balance-support-the-Northeast-Heilongjiang-pension-2119-yuan

Image source: Photographed network (unrelated to graphics)

2400 yuan in Guangdong; 2119 yuan in Heilongjiang: From the indicator of monthly average pension of enterprise retirees in 2015, there is no obvious difference between Guangdong and slightly backward Heilongjiang.

However, if we examine the accumulated balance of the basic endowment insurance for urban workers, the gap is immediately disparity:

Guangdong is the first in the country. At the end of 2017, the accumulated balance of urban employees’ basic pension insurance was 924.5 billion yuan;

Heilongjiang is the lowest in the country, and the accumulated balance is negative 48.6 billion yuan.

Recently, in response to the problem of insufficient pensions in the Northeast, Jia Kang, the vice president of the Chinese Finance Association and the director of the former Ministry of Finance's Institute of Fiscal Science, has used the rolling reserve of the South for many years to adjust to the Northeast. For a time, the above suggestions sparked heated discussion in the community.

The daily economic news (micro-signal: nbdnews) reporters found that the questioning of netizens is mainly concentrated on three aspects: whether the retirees' treatment gap is reasonable, where the Northeast pension goes, and how to solve the gap problem. The reporter tried to carry out an in-depth analysis and a glimpse of the secret behind the pension.

Question 1: Is there a big difference in the treatment of retirees between the Northeast and the South?

For this topic, netizens pay more attention to whether the pension adjustment is fair and focus on personal interests. The most controversial among netizens is: How is the pension level of employees in Northeast China high or low in the country? Why are the gaps in the three northeastern provinces that are not covered?

Daily Economic News (WeChat: nbdnews) The reporter found that the 2016 Heilongjiang pension balance was accused of “wearing the bottom”, which was negatively 32 billion yuan, becoming the most serious province in the current period; in the same year, Guangdong’s current balance It reached 114 billion yuan, and the accumulated balance was as high as 765.26 billion yuan, ranking first in the country.

According to the report of the Social Security Management Center of the Ministry of Human Resources and Social Security, the top five cumulative balances of corporate pensions in 2016 are: Guangdong, Beijing, Jiangsu, Zhejiang, and Shandong; the five provinces with the most serious losses in the current period are: Heilongjiang, Liaoning, Hebei, Jilin, Inner Mongolia.

Among them, Heilongjiang not only failed to pay in the current period, but also accumulated a surplus of 19.6 billion yuan, which is the only province where the accumulated surplus funds have been spent.

Does the southern pension balance support the Northeast? Heilongjiang pension 2119 yuan -1548289065_357_Does-the-southern-pension-balance-support-the-Northeast-Heilongjiang-pension-2119-yuan

Image source: Photographed network (unrelated to graphics)

It is worth noting that, according to the rules for pensions for retirees, the criteria for receiving pensions are related to factors such as the amount of payment, the length of participation, and the average wage of the local society. Then, what is the average level of pensions for retirees in all provinces and cities across the country?

The reporter found that the five provinces with the largest accumulated balance of corporate pensions and the five provinces with the most severely offset in the current period have little difference in the per capita pension levels of retirees other than Beijing. For Heilongjiang, where the balance has already bottomed out, the social security benefits of its retirees are even higher than those of the provinces with some balances.

According to data from the Ministry of Human Resources and Social Security, in 2015, the per capita pension of national retirees per capita was 2,251 yuan per month, and Guangdong, Jiangsu, and Zhejiang were slightly higher than the national average. Liaoning and Heilongjiang were basically the same as the national average.

In fact, an important measure of pensioner pension standards is the ratio of the average wage to the local community. For example, in 2015, the average monthly salary of employees in Guangdong Province was 5,525 yuan, and the pension for retirees was 0.43 times; the average monthly salary of employees in Jiangsu Province was 5,600 yuan, and the pension for retirees was 0.44 times.

Correspondingly, in 2015, the average monthly salary of employees in Liaoning was 4455 yuan, and the pension for retirees was 0.49 times; the average monthly salary of employees in Heilongjiang was 4073 yuan, and the pension for retirees was 0.52 times.

It is not difficult to see that compared with the provinces with more pension balances such as Guangdong and Jiangsu, the pension standards in Heilongjiang and Liaoning are not low. From the ratio of the average wage to the local society, it is even slightly higher than some southern countries. province.

Question 2: Can't get paid, where is the money?

The problem of the income and expenditure gap of urban workers' pensions has become increasingly prominent. According to the public data of the Ministry of Human Resources and Social Security, only the three provinces of Hebei, Heilongjiang and Ningxia will not be able to pay at the end of 2014. In 2015, the pension insurance funds for urban enterprises in Heilongjiang, Liaoning, Jilin, Hebei, Shaanxi and Qinghai provinces were “not enough to make ends meet” in the current period. In 2016, Hubei became the seventh province to receive no payment in the current period.

At the same time, from the perspective of the amount of the gap, Heilongjiang's current non-payment gap in 2014 was about 10 billion yuan, and the gap was expanded to 32 billion yuan in 2016.

Does the southern pension balance support the Northeast? Heilongjiang pension 2119 yuan -1548289065_453_Does-the-southern-pension-balance-support-the-Northeast-Heilongjiang-pension-2119-yuan

Image source: Photographed network (unrelated to graphics)

Then, where are the pensions for urban workers in Heilongjiang and other provinces?

One of the most important reasons is that the group that “pays money” grows slowly, and the group that “takes money” grows fast.

The key factor of the dependency ratio (the ratio of the number of employees insured to the number of people receiving pension benefits) has continued to decline in recent years – the national average has fallen from 2.97:1 in 2014 to 2.87:1 in 2016, which is an elderly person. It is supported by 2.87 people.

The dependency ratio in the three northeastern provinces is lower in the country. In 2015, the dependency ratios of enterprise pension insurance in Liaoning, Jilin and Heilongjiang provinces were 1.79, 1.53 and 1.33 respectively. This data is even lower than Japan (about 2:1), which has entered an aging society.

In addition, the pension benefits of the three northeastern provinces have grown rapidly. For example, during the “Twelfth Five-Year Plan” period, the basic pension for retirees of Heilongjiang enterprises increased from 1076 yuan per month to 2119 yuan, and the overall growth nearly doubled; the basic pension for Liaoning increased from 2,296 yuan per month to 2,200 yuan, an increase of 70%; The basic pension level of enterprise retirees in Jilin Province increased from 1126 yuan per month to 1935 yuan, an increase of 72%.

Fang Lianquan, secretary-general of the World Social Security Research Center of the Chinese Academy of Social Sciences, told the Daily Economic News (micro-signal: nbdnews) that the pension problems in the three northeastern provinces are related to local characteristics: on the one hand, their historical burden is relatively heavy, and they belong to heavy industry bases. There are more old employees retiring from state-owned enterprises, and the structure of support is relatively heavy. Coupled with the fact that young people have more outflows in recent years, it is difficult to generate space for collection. On the other hand, the economic development level in Northeast China is not high in recent years, leading to employment. The situation, the space for wage growth, etc. are not optimistic, and will also affect the collection of pension funds.

Question 3: In addition to “borrowing money” to the South, is there any other way to solve the problem of income and expenditure gap?

Then, the pension in the northeast is not enough. Can you only use the rolling balance of the South for many years to adjust to the Northeast?

In this regard, Fang Lianquan said that it is really difficult to rely on the Northeast itself to solve the problem that the pension is not covered. In addition to collecting income from the sources of pension funds, the central and local governments will also make up some of them. If there is still a big gap, it will depend on national co-ordination. The national pension plan for pensions has been discussed for many years and can solve the problem of insufficient pensions in some provinces.

Does the southern pension balance support the Northeast? Heilongjiang pension 2119 yuan -1548289065_45_Does-the-southern-pension-balance-support-the-Northeast-Heilongjiang-pension-2119-yuan

Image source: Photographed network (unrelated to graphics)

"It should be a national chess game to consider this issue. It is not to use the South directly for the North, but to coordinate arrangements through a nationally coordinated approach." Fang Lianquan said.

In fact, the problem of not receiving the basic pension insurance is also common internationally. Fang Lianquan introduced that in some countries where aging is more serious, social security at the national level is facing different levels of non-compensation. Some measures taken abroad are delaying retirement, collecting and expanding, and increasing the rate of contribution. There is also the use of pensions for investment to increase profitability.

Fang Lianquan believes that the real solution to the problem of old-age care cannot rely solely on the national basic pension insurance. Among the pensions, the basic pension insurance in Japan accounts for a large proportion, and the replacement rate can reach 60%-70%. The replacement rate of the national basic old-age insurance in the United States is 40%, and its bulk is dependent on enterprise annuities and personal pensions. Singapore is mainly a central provident fund, and it adopts a system of personal deposits.

Fang Lianquan introduced that the US pension system is the direction of China's future pension. It is necessary to reduce the pension rate, let the enterprise buy some insurance for the employees, and the individual employees will purchase some commercial insurance.


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