First, the current major problems facing China's pension
First of all, the biggest problem is that the number of elderly people is huge and there is a growing trend, while the growth rate of pension balance expenditure is greater than the growth rate of income, and there is a potential risk that pensions can not make ends meet.
Secondly, in addition, the pension team is huge, but the new force is slightly insufficient. The birth rate of newborns is not as high as before, even in a position, which puts pressure on the reserve army for the aged.
Finally, the current facilities and services for raising husbands can't keep up with the demand for providing for the aged, and nursing homes, welfare institutions, facilities and some articles for providing for the aged are obviously insufficient.
Second, the government should adjust the old-age care measures from the policy and increase the tilt.
Unless the economy develops steadily and well, it is certainly unsustainable to increase pensions year by year. To this end:
It is necessary to link the increase with the minimum basic wage in various places. Giving income to young people in industry and work is a strong support for providing for the aged. On the contrary, it is absolutely unsustainable for many healthy people of a certain age to continue to receive the same income as ordinary factory workers, or even higher income pensions.
A part of the profits of state-owned enterprises should be used for pensions every year. In this regard, we should continue to do this work well and improve the management level of state-owned enterprises. At the same time, it is natural to share social pension.
We will continue to encourage and support social commercial insurance to invest in providing for the aged. Commercial insurance is a powerful supplement to social security and is very important under the market economy. In this part, the state can make it play a greater role through taxation and other means.
Appropriately postpone the retirement age and divide it according to health and work. This needs to be implemented scientifically and slowly according to the actual situation.
Continue to increase policy support for medical insurance to benefit the elderly. Policies such as medical insurance, reimbursement for serious illness, and medical price should be scientifically demonstrated to effectively solve the worries of ordinary people.
Third, encourage private capital to invest in providing for the aged and increase social charity activities.
Private capital has great potential because of its large market capacity, great demand and strong policy support. Private capital can contribute to nursing homes, old-age equipment, medicine and services.
In the current activities of building new rural areas, we can develop rural old-age care, home-based old-age care, community-based old-age care, scenic old-age care activities and so on.
Encourage the richest people in society to donate money and invest in the cause of the aged. In recent years, more people have invested in education, while fewer people have invested in old-age care, which should be developed.
To sum up, the current pension problem in China should be solved through a series of measures from three aspects: national policy, market-oriented reform and public welfare undertakings. To solve the problem of old-age care, of course, it is necessary to fundamentally solve the problem of old-age care, and it also depends on the continuous development of social economy and the improvement of economic living standards.