But you know what? There is also a "hierarchy table" for domestic pensions.
According to the data released by relevant institutions, there will be 10 levels of pensions in China at present. Come and see what level you are, retiree.
I. 10 pension level
According to the data released by relevant institutions, China's pension 10 level is as follows. I don't know what level everyone is on.
For some corporate executives, many are in the first and second grades.
. For example, Liu Chuanzhi of Lenovo takes about 90 million yuan from Lenovo every year. For some retirees who participate in the endowment insurance for urban workers, the pension is basically in the range of 60,000-90,000.
You know, for retirees who can get the sixth pension, the pension income level is not low.
. For example, a retiree's monthly pension plus old age allowance reaches 6000 yuan, which basically reaches the income of many employees.
Similar to the fourth-and fifth-tier cities in China, the local salary is about 3,000 yuan. But we must point out that,
At present, China's farmers' pensions are basically in the last two files.
Second, farmers' pension.
At present, the lowest payment grade of endowment insurance for urban and rural residents in China is 200 yuan, and the highest grade is 5,000 yuan.
At present, the minimum basic pension under the old-age insurance for urban and rural residents is 108 yuan, and the subsidy amount of local government is probably in 35 yuan.
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If Mr. Wang, a farmer, chooses the top grade of 5000 yuan to pay for 20 years, then his pension is108+5035 * 20/139 = 832.46 yuan, and his annual pension is 9989.52 yuan.
In other words, at present, even if farmers in our country follow the highest grade, the payment time is very long, and the pension level is only in the ninth file.
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But the reality is, how many people will choose the highest level of payment like Uncle Wang? Many farmers often choose the minimum payment level when paying endowment insurance.
Many farmers' pensions are now around 150 yuan, and the annual pension is only about 3,000 yuan.
Obviously, it is almost impossible for Chinese farmers to support the elderly by this.
From the content of pension, it is not difficult to find out how big the gap between the rich and the poor is in China at present.
. On the one hand, the pension of enterprise executives is several million a year; on the other hand, the pension of farmers in China can't afford to support the elderly. This is the real situation in China at present. In 1980s, in order to carry out the family planning policy in rural areas, China once shouted the slogan "Only one good child is born, and the state will provide for the aged".
But now, even if farmers in China pay according to the highest grade and continue to pay for 20 years, the annual pension is less than 6,543,800 yuan.
. From this perspective, the national pension has not really been realized. In reality, China's rural old-age care is facing many problems.
Third, the realistic dilemma of rural pension.
"Saving for hunger and raising children for old age" is a concept of providing for the aged that has been circulated in China traditional society for thousands of years.
. The core feature of traditional family pension is "raising children to prevent old age". Although China's laws clearly stipulate that the main body of support includes children, rural family pension mainly refers to sons, not daughters or children, and daughters are in a subordinate or marginal position in the traditional family pension system.
The reason why this happens is also determined by the intergenerational inheritance rules of traditional patrilineal families in China.
. China's traditional patrilineal family intergenerational inheritance rules stipulate that family lineage should be passed on by sons, who will inherit blood, property and prestige. Carrying on the family line is the ultimate goal of one's career and life.
In addition, in the paternal inheritance rule, the son not only inherits the blood and reputation of the family, but also inherits the property as an accessory, including the father's property, as well as a series of obligations such as birth, burial, sacrifice, creditor's rights and debts, while the daughter is excluded from this series of rights and obligations.
But the problem is, with the acceleration of domestic population flow, this traditional position of raising children to prevent old age is being challenged.
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At the same time, the children of rural elderly born after 6070 in China are generally born after 8090. These two generations are facing great economic pressure. They are not only struggling to stay in the city, but also unable to take care of their parents who are migrant workers.
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The children of some elderly migrant workers are even gnawing at their parents.
. This is also an important reason why the elderly migrant workers can't get economic support and supply, lack material security in their later years, and have to go out to work when they are older, facing severe pension difficulties.
In addition, the poverty of migrant workers is highly intergenerational.
Behind every individual migrant worker, there is likely to be a poorer and heavier family.
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Although the education level of migrant workers' children has obviously improved compared with their parents, they still have some disadvantages compared with their peers who receive high-quality educational resources in cities. In addition, the lack of social capital makes them face greater competition shortcomings in urban life and work, and the solidification of social class also limits their upward mobility.
The incidence of intergenerational poverty is relatively high, which also makes the children of migrant workers unable to have the conditions for the older generation to provide for the elderly stably.
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The situation of Uncle Li in Lijiazhuang Village, Zhoukou City, Henan Province is very representative. Uncle Li, in the early years,
Although he participated in the endowment insurance organized by the village, Uncle Li's current monthly pension is about 120 yuan.
In the words of Uncle Li, what can this money do?
Although Uncle Li has two sons at present, their financial help to Uncle Li is limited.
. The eldest son bought a house in Zhengzhou two years ago. At present, he has to take care of his mortgage and personal consumption expenditure every month. Although Uncle Li's youngest son works in the local area, his salary is not very high. At the same time, Uncle Li's youngest son is also responsible for the daily expenses at home. Like his eldest son, he is busy at present.
Here we point out a problem: the problem of providing for the aged in rural one-child families is more complicated than that in rural one-child families.
. For example, Uncle Li's daughter-in-law thinks that Big Brother didn't give money to the old man. Why give it? This also makes uncle Li Can get limited financial help from his two sons. At present, the situation of providing for the aged in rural areas in China is very severe.
abstract
From the above analysis,
At present, there are obvious two levels of differentiation in China's pension.
Some enterprise executives have many pensions, while farmers' pensions are generally more. For farmers, it is almost impossible to support the elderly.
Finally, I want to ask you,
What is your current pension level?