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养老金涨幅创13年最低 我们这代人拿什么养老?

2017-07-13 09:15:05   理财帮

原标题:养老金涨幅创13年最低,我们这代人拿什么养老?

最近几天,,广东、湖北、吉林等省份接连公布了养老金调整方案。

养老金有几十元的增加,到今年我国的养老金已经连续13年上涨了,不过,今年的涨幅却是13年来的最低点。涨幅从之前连续多年的10%回落到了5%。

现在这些退休人员收到的养老金中,有一部分是仍在上班的人负担的。

养老金的涨幅为什么回落到13年的最低点?是养老金不够发了吗?我们个人账户的记账利率升至8%,未来我们退休能多拿钱,还是拿不到钱?

我们这代人老了,该拿什么养老呢?帮主(ID:banglicai)今天来聊聊养老金的问题吧。

今年涨幅创13年新低,养老金不够用了?

早在去年,养老金涨幅从10%降至6.5%便曾引发热议。

彼时,首都经贸大学劳动与社会保障系主任朱俊生认为,这与机关事业单位退休人员首次参与到养老金标准的调整有关,如果继续按10%的较高标准涨养老金,由于基数相对高,可能出现机关事业单位退休人员养老金增长额过快。

此外,也包括部分省份养老保险基金收不抵支、财政支出压力加大等因素影响。

养老保险基金“收不抵支”的情况在2015年便有显现。

当时人社部发布的《中国社会保险发展年度报告2015》就显示,黑龙江、辽宁、吉林、河北、陕西和青海六省份的城镇企业职工养老保险基金当期收不抵支,黑龙江收入比支出少183亿,辽宁、吉林收支也分别相差105亿、41亿。

而另一个“空账”的现象更引发忧虑。社科院的一份报告显示,2015年城镇职工基本养老保险个人账户累计记账额(即“空账”)达到4.7万亿元,而当年城镇职工养老保险基金累计结余额只有3.5万亿。

这两个数字释放出何种信号?

帮主了解到,我国养老保险账户目前采用“统筹账户”、“个人账户”结合的办法,其中单位缴费进入“统筹账户”,个人所缴费用(缴费基数8%)则进入“个人账户”。目前大部分省份将个人账户资金拿去作为养老金支付给退休职工,从而导致“个人账户”上看到的只是记账数字的变化,也就是所谓的“空账”。

通俗点说,也就是用我们的钱给退休的人发养老金,而且养老金结余已经日渐覆盖不了空账。实际上,关于个人账户的“存”or“废”、“做实”or“做空”,近些年争议不断,但“个人缴费只记账不做实”逐渐成为改革方向。

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