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延迟退休即延迟退休年龄,指国家结合国外有些国家在讨论或者已经决定要提高退休年龄的政策来综合考虑中国人口结构变化的情况、就业的情况而逐步提高退休年龄来延迟退休的制度。延迟年龄男性一般不超过65周岁,女性一般不超过60周岁。
为什么国家要实行延迟退休了?
官方的说法是:因为我国现行职工退休年龄是上世纪50年代制定的退休政策规定。而现阶段规定目前不再适合新形式下的本国人口老龄化的今天。尤其是中国现在人均寿命为76.34岁,60岁退休养老,国家财政承担不起。
那为什么延迟退休一定要是5年,不能是1年、2年了?
1、根国际接轨
目前国外的退休年龄一般都是65岁左右,西班牙、美国、德国都是65岁退休,而且美国1983年修订《社会保障法案》时提出的到2025年将职工的正常退休年龄从65岁提高到67岁,直到20年后的2003年才正式开始实施,并明确提出计划用22年的时间完成从65岁提高到67岁的目标。
而中国目前的退休年龄是60岁。
2、养老金缺口增大
据世界银行的一项估算,从2001年到2075年,中国养老金缺口可能达到9万亿元人民币,目前对中国养老金缺口的估算,最乐观的也认为缺口将达到三万亿人民币。目前中国男女退休年龄的时间分别是60岁、55岁,如果从今年起实施65岁的退休年龄,以每3年提高一岁,则可以使得中国的人口红利延长到2027年。
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