retirementage(关于退休年龄的争议).pptVIP

Retirementage,陈颖2012.11.19,Whytoextendtheretirementage,1.LifeexpectancyisextendedPopulationstructurehaschangedAgingpopulationsiscoming2.Shortageofpensions,Lifeexpectancy-anticipatedage,Populationstructureandagingpopulation,In1999,thepopulationabovesixtyyearsoldis130million,10.2%ofthetotalpopulation.By2010,thenumberis178million,13.26%ofthetotalpopulation.Whenitcomesto2050,wewillhave480millionpeopleagingsixtyandabove,1/3ofthetotalpopulationandbecomingoneofthecountrieswhichhavethehighestagingpopulation.By2050,thelaborforcebetween15and59willdeclineto710million,230millionlesserthan2010.,Populationstructureandagingpopulation,Wewillhave1.4billionpeoplein2040.ThenumberofPeopleoversixtyis411million.Peoplebetween20and60willdeclinefrom817millionto696million.Peoplebetween20and40willdeclinefrom436millionto302million,fallingbymorethan30%By2050,thegenerationafter80sand90swillbe“youngeroldmen”,therewillbe100millions“elderoldmen”over80yearsold.,Aboutthepensions,Threeparameters:Replacementrate(替代率）：thepensionyougetaftertheretirementaccountsforhowmuchofyoursalaryonthejobPaymentrate（缴费率）:howmuchmoneyyoushouldpayforyourpensioninsuranceaccordingtoyoursalaryRetirementage,Aboutthepensions,Replacementrate:below50%(average),above80%(utility)Paymentrate:28%Retirementage:60(men)50(women),Constitutionofpensioninsurance,Individualaccountorpersonalaccount(emptyaccountanddevalue)Socialpoolingaccount,Shortageofpension(Individualaccount),Bytheendof2011,thebookvalueoftheindividualaccountis2.5trillion,buttheamountoftheemptyaccountis2.23trillion.From2000to2010,thepensioninsurancefundisputintothebankwithaninterestrateof1.8%,whichmeansthepensionhasbeendevaluedbymorethan0.6trillion,Whatdoesitmeantoextendtheretirementage?,Extendingtheretirementageforoneyearmeans20billionspension.However,lastyear,thecountryhadfinanced200billionforthepension.Thatistosay,extendingtheretirementagecanjustrelaxthepressureoftheshortageofpensiontoasmallextent.,Measurestoextendtheretirementage,Makingpeopleabove16yearsold,not18yearsoldtopaythepensionisanalternativewayofextendingtheretirementage.Weshouldtakeaslowwaytocarryouttheplan,whichmeansthatweextendonlyoneortwomonthsinoneyear.Weshouldthinkabouttheflexiblepensionsystem.(notsuitablefortheadministrativeinstitutions),Problemstoextendtheretirementage,T