2. The increase of pension. According to the trend of pension increase in the past, the proportion of pension increase in 2022 is likely to decline steadily, that is, the proportion of pension increase in 2022 is likely to be in the range of 4%-4.5%, but this is only an overall increase. If it is specific to each retiree, everyone's increase or decrease is different. Relatively speaking, retirees with low pensions may increase by more than 5%, while retirees with high pensions are just the opposite, and the increase is generally around 4%.
The reasons for pension adjustment are as follows:
1, aging is getting more and more serious. Although the three-year epidemic has become history, China's economy is not optimistic in these three years. Even the real estate, one of the pillar industries in China, is completely indifferent, and its benefits have plummeted. The three-year economic environment has made many people unemployed, the phenomenon of social security payment is becoming more and more serious, and the gap of social security fund is getting bigger and bigger. However, pensions have never fallen, but have been rising. One of the biggest fundamental reasons is that the aging in China is getting worse and worse, and the fertility rate is getting lower and lower. In order to ensure the basic life of retirees and improve the quality of life, the state only increases pensions; The price is rising. With the passage of time, the price level shows a growing trend. According to the GPI published by the national statistics department, the annual increase is basically around 2%-3%. This also means that the price level will increase. Retirees' pensions will not rise, the consumer economy will not be driven, and pensions will be worthless. In order to better protect every retiree, the increase of pension has become an inevitable trend;
2. Let more people actively participate in the insurance. The principle of insurance compensation has always been "long-term multi-compensation, multi-compensation and multi-gain". Many people are disgusted with paying endowment insurance. They feel that they have to spend some money to participate in insurance every year, and they always feel that there is no return for a while. It is better to save money to earn interest or make an investment project with faster return. Endowment insurance itself can only be collected at a certain age, and the current pension fee does not mean that it is the money to pay insurance when it can be collected. When the state raises the pension, it will appropriately increase the amount originally paid. Therefore, if you have the ability, you will pay more. The more you pay, the higher the quality of life in your later years. The continuous improvement of pension not only provides a good guarantee for retirees, but also stimulates more young people to actively participate in insurance and prepare for their retirement.
With the sustained economic growth, residents' income is increasing. In 2022, China's GDP exceeded 120 trillion yuan, an increase of 3% over the previous year; The per capita GDP reached 85,698 yuan, an increase of 3% over the previous year. The per capita disposable income of residents actually increased by 2.9%; This means that China's economy is still booming and the overall economic situation has not changed for a long time, which is also the basis for the continuous adjustment of pensions;
Prices are rising, so are wages. In 2022, the consumer price index of China residents increased by 2% year-on-year, and the wage increase and sales of on-the-job workers were also adjusted, thus ensuring the basic quality of life of on-the-job workers. At the same time, in order to maintain the living standard of retirees, so that their daily life will not be greatly affected, it is also necessary to adjust their pensions.