The old-age dilemma in the eyes of urban white-collar workers

Trainee reporter Xuwei October 28 afternoon, the NPC Standing Committee high vote passed the "Social Insurance Law", this is the first time in China on social security system legislation.　　A series of concerned endowment insurance problem, also obtained the answer in this law, this Law stipulates "The Basic Endowment Insurance fund gradually implements the national overall plan", this to raise our country western area and the countryside old-age security, perhaps is a gospel. Under the double pressure of population aging and the disappearance of population dividend, the old-age pension has become an increasingly serious problem in our country, and the institutional loopholes of the National Endowment and medical Insurance are becoming more and more obvious under the projection of household registration barrier. As a result of the family planning policy, it is the consequence of a couple supporting many elderly people and the rising cost of living in the city, which is doomed to surpass the old people.　　And in the middle class white-collar group, perhaps the most representative of the current state of our pension, if they are overwhelmed the burden of old-age, then living in the bottom of the people's situation can be imagined. Times Weekly: What do you think of our society's endowment problem? Do you have a big pressure on your pension now?　　Are you ready for the old age, please separate your parents and your own pension issues to talk about? Dong Shu Training Specialist, Beijing Part 1 Endowment problem is not a time bomb I am the only child, parents in the 90 's forced buyout, their old-age insurance from this is a personal burden, nearly 10,000 yuan per year, and increasing yearly. In order to old, they always insist on social endowment insurance, from my junior high school to graduate work, just 10 years. To a laid-off worker family, its pressure is conceivable.　　When the father was laid off with his mother to do business together, so the situation is relatively good, the majority of local workers laid off after the temporary maintenance of family livelihoods, food and clothing are difficult to solve, pension is more difficult. I now work in a formal company in Beijing, pension insurance has been landed, so not too much consideration of their future pension problems. However, I still think that this is not a time bomb, because the future job-hopping friction unemployment or direct unemployment, I need to face their own and parents double pension insurance issues, whenever I think of these problems, do not feel heavy pressure.　　Now the so-called "white-collar" is no more than that, in the big cities to make much, spend more, but is a new era of workers just. For my family of ordinary urban working families, the old-age insurance is no different from commercial insurance, no one knows what policy the government will come up with tomorrow, and if we can get a pension and how many pensions to make, we can't be sure.　　I personally put the hope that the pension system changes, if the social and household registration system, China's endowment insurance system can not be in the old-age, the benefit of these two fundamental levels to make changes, not to mention other, and the old-age problem does not solve, sooner or later there will be trouble. Wang Jianping University professor, Guangzhou Part 2 the urban-rural dual difference of Chinese endowment in China the old-age presents two differences in urban and rural areas, mainly by family pension, although the countryThe family has some inputs, but few, but the city, the Community endowment and the social endowment are developing continuously. In addition, urban and rural pension requirements are not the same, most of the elderly in rural areas have no income, dependent on their children to support, if the children do not provide for the elderly, they may not live, their requirements are very low, as long as the basic life to meet the security can be, and the urban elderly have pensions, their　　But at the spiritual and psychological level there is a higher demand that they want to have a richer life in old age. Now the rural family pension pressure is increasing, with urban and rural integration, rural children's growth costs, some families to maintain a basic life has been very difficult.　　For city dwellers, the most important is the urban housing costs increased, and the population aging more and more serious, only one-child families, a couple to support several elderly, the city's young people's endowment pressure is also increasing, this is the whole society needs attention. I do not feel that there is a large pension pressure, my parents in the countryside, their pension requirements are relatively low, as long as the basic life to meet the security and optimistic about the disease on the line.　　And for their future pension, I see more open, not too many children's requirements, as long as they have time to look at us, and we communicate more very well. Li Yu Media Planner, Shenzhen Part 3 Such social security is too convincing. The credibility of China's endowment policy is too low, every month to pay social security to hundreds of yuan, also stipulates that if three months do not pay, before the medical insurance all clear zero, if want to renew, need to start calculating time again, and in the end we can really enjoy the benefits of social security,　　Still unknown. My parents are teachers, they have their own house, the monthly income added up to 4000 yuan, and the elderly consumption is not too high, so their basic life is protected, not to worry about their children, the burden of our endowment is not heavy. But a few years ago, my father had bladder cancer, surgery, he has been to buy health care, should be reimbursed, but in the end almost a penny has not been reimbursed, the full cost of our own commitment.　　I was amazed that my dad was going to retire and he had paid for so many years of social security, but when it really needed to work, it failed. We all feel that such social security is too much to fool people, but also worry about the money they pay finally disappeared, then will not play a role, so my husband did not buy social security. I bought social security, also feel like chicken ribs, food tasteless, discard, because I was a reporter before, pay the social security is very high, spent a lot of money, feel lost a pity, so want to continue to hand over.　　Shenzhen city has regulations, if the 10 years, from the age of 45 can enjoy a monthly return of 1000 yuan, which is a bit like investment, I was running this to go, but then I heard that policy changes, so I feel very unreliable, like this long-term policy, the country should not always change to go. I've always thought that insurance is for death, because people who are afraid of getting sick when they are old need to heal to alleviate the pain before they die. I will discuss with my husband if IThey are old, have a big disease, to spend a lot of money, an operation can be cured on the treatment, but if it is really troublesome, then simply died, lest both hard themselves, but also to drag the family.　　Xiong Wei, President of Internet Lab, Beijing Part 4 gnawing older than old-age is more worth worrying about old-age implementation of the national co-ordination is a good thing, the old-age insurance, the current geographical, household registration differences brought about by the injustice is expected to be resolved, but also let more old without the people to be cared for, this is a progress. Now everyone participates in the endowment insurance, can expect to retire every month to take the pension. In the long run, inflation is basically the norm, so the pensions that are calculated under the current rules may not be enough in the future. But one thing is certain, social security is not only to achieve social equity, but also to maintain social stability of the tool, so the scientific nature of social security, practicality will be gradually improved. If middle-income people pay decades of old age insurance and pensions are not enough to support life in old age, there will be big problems. A responsible government will not let such a problem protrude. On the other hand, the "grade" of public goods provided by the Government cannot surpass the overall economic strength of the society.　　It is expected that universal social endowment can reach the level of the old people's food and clothing, and may be more realistic. My parents and in-laws have a long seniority, their pension can maintain their own life, so I do not feel a special pressure on the pension problem. For their own retirement, now only more than 30 years old, seems to be relatively distant. As for the employees in my company, the situation of each family is different, some colleagues have a greater pension pressure.　　The enterprise should pay the endowment insurance for the employee, this is the law-abiding enterprise citizen should do, and as an individual, take part in the salary to pay the endowment insurance, may consider as the tax behavior, is used to pay the current retiree's salary, therefore I did not anticipate it to be able to bring how many returns. I think it is better to stress the pressures of our parents than to stress the old age of youth. It is not uncommon to gnaw at the old.　　I think it is worth worrying that the elders are being chewed up by their children, or that they have to "prolong the upbringing" of their children who have already grown up, put up savings for their children to buy a house, devote their energy and pensions to their grandchildren, and their children are unable to fulfill their obligations to support their parents Xu Feng legal worker, Dongguan Part 5 years old want to maintain the consumption level to rely on their own a good pension system can give young people a sense of security and happiness, let them more energy and energy into the cause. China's old-age security pressure is very large, but China's old-age security system is still in the process of learning and development, in order to establish the western developed countries as a sound and adequate old-age security system, not overnight, China's relatively backward economic fundamentals and ideas can not quickly change,　　The way of endowment guarantee reform is also long and tortuous. China's Social security system was established in the 90 's, but most people before the 70 have no realSocial security for the elderly, over the years, the social endowment insurance because of the force is not enough, the operation is immature, the scope and effectiveness of its application has not achieved the expected effect, there are many people do not know enough about social security, or for income reasons, or the government to protect the distrust, that social endowment insurance is dispensable. Generally speaking, the common people are not satisfied with the current pension system of the government.　　When the aging society from the trend gradually into reality, the pension problem has aroused widespread attention, although a bit of the feeling of mend, but still not late, China as a populous country, the pension problem is still a relationship between social stability, economic development and national rejuvenation of the event. People really have time to enjoy life, is after retirement, and hope that after retirement will not because of loss of income and reduce the quality of life, may be, after retirement, there will be higher demand for life, but as the elderly have to face the challenges of disease and death. Therefore, the elderly need to invest more money and time to maintain health and adjust their living conditions. According to the current price level, I think that the age of 2000 yuan per month of living expenses of the source, life will be more safe and happy feeling, can be said to be old and worry-free. On the source of their own endowment, I hope in three aspects: social insurance, their own savings, the maintenance of their children.