养老金 通胀 下严重缩水（Pension inflation has shrunk badly）.docVIP

养老金 通胀 下严重缩水（Pension inflation has shrunk badly） Since 2005, the state has raised the basic pension for enterprise retirees 7 times in 6 consecutive years, and the final increase rate has been around 10%. Why does the State Council pay so much attention to the pension problem? What is the actual situation of the pension? According to the current pension situation, once retired, is likely to face a miserable life. In March 29, 2010, the media published an article saying that if you only eat lunch after retirement, you need a pension of 1 million yuan. Now the general lunch market price is 10 yuan, with inflation rising, if to count to 4%, 30 years after the lunch prices will probably rise to 32 yuan, if the three meals a day to eat lunch, one day will need 100 yuan, meal box for 30 years will need about 1000000 yuan. Of course, the number 4% is certainly seriously undervalued. Lang Xianping economist In Beijing, for example, the average living expenses of an ordinary family in Beijing for the 1 years are 50 thousand yuan, which will be calculated at a more serious inflation rate of 3%. After 20 years, the current standard of living should be maintained, and 90 thousand yuan will be needed in 1 years. Suppose there are still 20 years to retire, and 20 years to live after retirement, the cost of pension is 2 million 420 thousand yuan. According to the existing pension system, if the monthly salary of 4000 yuan, and then assume that the wage increase and inflation, the annual rise of 3%. When retirement, the total pension insurance is only 370 thousand yuan, but the cost is 2 million 420 thousand yuan, even the fraction is not enough. Lets take a look at the data from the pensions studio at Tsinghua University. In 2012~2017, the Chinese working population aged 14~64 began to decline. By 2035, the population over the age of 65 was about 294 million. That is to say, now there are 1 elderly people in every 10, but in twenty or thirty years, the number of elderly people in