80后将无养老金可领?经济日报:早就辟过谣了

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80后会不会有退休金?这件事,我们已经开放了!

最近有消息称,“养老金将在2035年之前用完,而且80后很可能没有退休金”这一消息引起激烈争论:

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事实上,我们在过去的报告中已经说过这个问题。微博提到的研究报告于今年4月发布。人力资源和社会保障部在今年4月23日举行的例会第一季度否认了“2035年养老保险将被用尽”。谣言强调,中国可以全额及时地充分保证长期支付养老金。

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养老金会在2035年失去平衡吗?人事和社会事务部:可以保证长期全额付款

人力资源和社会保障部养老保险司司长聂明喜表示,中央政府高度重视养老保险,并为一系列积极,全面,科学的措施做好了准备。它可以充分保证全额和按时支付养老金。确保系统健康顺畅运行。

据数据显示,截至3月底,全国参加基本养老,失业和工伤保险的人数分别为9.41亿,1.97亿和2.39亿。第一季度,社会保险基金总收入1.48万亿元,同比增长8.5个。占总支出1.22万亿元,同比增长14.4%。

4月10日,国务院发布了《降低社会保险费率综合方案》,其中有两项重要政策。首先是减少支付养老保险的单位比例。第二是调整个人支付基数的上限和下限。预计2019年全年社会保险缴费将减少3000人。超过1亿元。聂明珍认为,这两项政策的实施不仅降低了企业的社会保障负担,而且降低了参与保险缴费的门槛,有助于提高企业和员工的积极性,并将更多的员工纳入养老保险制度。良性循环。

实际上,2018年末,企业养老保险基金累计结余达到了4.78万亿元,有比较强的保障能力。但结构性矛盾比较突出,地区之间很不平衡。从去年下半年起,中央实施了养老保险基金中央调剂制度,进展比较顺利,开始有效地缓解结构性矛盾问题。今年中央调剂比例提高到3.5%,预计全年中央调剂基金规模将达到6000多亿元,进一步缓解部分省份的基金收支压力。

同时,全国社保基金已有2万亿左右的战略储备,而且划转部分国有资本充实社保基金的工作已经启动,今后还将继续加大划转力度。各级财政对基本养老保险的资金投入逐年增加。今年中央财政安排企业养老保险的预算资金达到了5285亿元,同比增长9.4%,地方财政也相应做出了资金安排。养老金的大盘子是有保障的。

“养老保险其他改革正在稳步推进,制度内在的激励约束机制正在进一步健全。可以明确地讲,我们对化解未来的支付风险是有准备的,制度的可持续发展是可以保证的。请大家放心,也请广大的退休人员放心。”聂明隽说。

养老金发放有保障

多地积极应对

“社保降费率”政策落地已两月有余,据中新经纬客户端最新统计,今年以来,31省份均公布了降低社会保险费率方案,将企业养老保险单位缴费比例一步降到位,并将阶段性降低失业保险费率,工伤保险费率的政策期限延长。

社会保险缴费标准直接关系到企业的经营成本,企业和参保人员的缴费负担。降低社会保险费率,是给企业“减负”,优化营商环境,完善社会保险制度的重要举措。

XX人社部表示,社保降费方案实施到位后,2019年按照新方案可减轻企业养老保险缴费负担1900多亿元,减轻企业失业保险,工伤保险缴费负担1100多亿元,3个险种合计全年可减轻社保缴费负担3000多亿元。

很多职工会关注,降低社会保险费率以后,养老保险待遇的按时足额发放是否会受到影响?别担心,降低社保费率虽然在一定程度上减少了社保基金收入,但不会影响养老金发放

财政部社会保障司司长符金陵此前表示,降低养老保险费率在有效减轻企业社保缴费负担的同时,确实会减少养老保险基金收入,加大基金收支压力,但全国养老保险基金整体收大于支,滚存结余不断增加,总体上不会造成养老金支付风险,不会影响养老金按时足额发放。

根据最新年报统计,2018年,企业职工基本养老保险基金各项收入3.7万亿元,支出3.2万亿元,2018年底基金累积结余约4.8万亿元,有较强的支撑能力。

从地方来看,各地人社部门也给广大职工送上了“定心丸”,多地强调降费不会影响养老金发放。

四川人社厅表示,从该省养老,失业和工伤保险现有结余看,总体上能够支撑养老保险制度性降低费率和失业保险,工伤保险阶段性降低费率。降费并不意味着社保待遇的下降。

XXHebei Provincial Department of Finance said that the reduction of fees will reduce the fund's income, but will not affect the pension. Hebei has formulated a risk prevention and control plan, and the financial department and the human and social departments will take effective measures to deal with it. The financial departments at all levels will continue to increase subsidies for the enterprise endowment insurance fund; at the same time, the central adjustment fund subsidy will be further increased; Establish a gap sharing mechanism, and make up the fund's income and expenditure gap by revitalizing existing funds, disposing of state-owned assets, and budgetary arrangements to establish a risk reserve.

The Inner Mongolia Department of Finance pointed out that the income and expenditure of the Inner Mongolia pension insurance fund is relatively stable and has a good supporting capacity. In 2018, the basic pension insurance fund of Inner Mongolia enterprises was 71.49 billion yuan; the fund expenditure was 73.98 billion yuan, the central adjustment fund benefited 3.05 billion yuan, the fund's current balance was 560 million yuan, and the accumulated fund balance of the whole district was 57.2 billion yuan. The Inner Mongolia Autonomous Region Finance Department will take more active and effective measures with relevant departments to resolve the fund's revenue and expenditure pressures, ensure that pension payment risks will not be formed, and ensure that pensions are paid in full and on time.

Liaoning is one of the provinces with the highest proportion of corporate pension insurance units. The Liaoning Provincial Department of Human Resources and Social Security said that the burden of corporate social security contributions is heavier, which is not conducive to the formation of a fair market environment and affects the business environment of the province to a certain extent. After lowering the rate, the “threshold” of participating insurance contributions will be reduced, which will help to improve the enthusiasm of enterprises and employees to participate in insurance, and include more employees in the employee pension insurance system to form a virtuous cycle of enterprise development and pension insurance system development.《实施方案》After the implementation of the enterprise, only the enterprise pension insurance is expected to reduce the burden of corporate and individual contributions by about 11 billion yuan in 2019.

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Article Source: Economic Daily

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