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The author:(作者)qqpublished in(发表于) 2013/11/27 9:15:01 Experts recommend 4 1 years retired， after 20 years until 65 years old
Jinghua times dispatch (reporter Peng) in order to make the community a comprehensive understanding of the social security situation, better have the right, one Department yesterday announced the "2003-2012 national basic old-age insurance for enterprise employees," revealed 1.8363 trillion yuan endowment insurance income last year, financial benefits to 243 billion yuan, expenditure 1.4009 trillion yuan, balances 2.2968 trillion yuan, an increase of 23.4%.
Society, in accordance with the requirements of open Government, the Ministry for nearly 10 years the national enterprise workers ' basic old-age insurance summarizes relevant data, and to the public. According to the 2003 pension income for insurance, financial assistance, total expenditure, total balance data were 320.9 billion yuan and five Yuan, 54.4 billion yuan and 176.4 billion yuan.
By 2012, the four data has increased significantly, compared to the 2011 growth at above 15%. Worthy of note is pension balances has been growing, but the balance of growth presents a plummeting trend, from the top of 2004 growth, reduced by the year 2012 23.4%.
Overall, than 2012 income increased 1.5154 trillion yuan, an annual increase of 21.4%; financial assistance increased to 188.5 billion yuan, an annual increase of 18.1%; total expenditures increased 1.1293 trillion yuan, an annual increase of 20%; cumulative balances increased 2.1204 trillion yuan, an annual increase of 33%.
The other hand, the endowment insurance of insured employees per cent in 2003, and increase 213.61 million people by the year 2012. Retired numbers from per cent in 2003, and rose per cent in 2012 people. 2003 total number of insured grew 8.2%, which insured workers ' average annual increase in the number 8.4%, retired people with an average annual growth of 7.7%.
Construction
Balances ultra-not much more than 2 trillion?
Department of social security, labor and personnel, a professor at Renmin University said in an interview yesterday, cumulative balance 2.2968 trillion yuan endowment insurance that number looks large, but calculated by spending 1.4009 trillion Yuan last year, was only 1 year Outlook was too optimistic. Once introduced a substantial increase in staff or pension insurance policies for the treatment of urban and rural residents, 2.2968 trillion worth of high balances in the end doesn't last too long.
Balance continues to increase in space?
The Professor admitted that over the past few years with a high proportion of the old-age insurance balance mainly benefited from China's labor force continued to grow, as well as continuous expansion of endowment insurance of these two factors. Including migrant workers, non-regular employment, urban and rural residents and other people, have gradually been incorporated into the old-age insurance system within the coverage area. Endowment insurance coverage currently has more than 80%, future expansion space is limited. Labor shortages have also become gradually a trend, the demographic dividend increased to maintain high balances and high growth rate of old-age insurance, space is narrowing.
Whether it is necessary to delay the retirement age?
The professor suggested that 18 the third plenary session of the decision requested "develop progressively delaying retirement age policies", which is the term the right decisions and take precaution necessary to choose. Because once my pension balances to make ends meet, then temporary launch delayed retirement policy until it was too late. He suggested may refer to United States with a 4 year extended 1-year retirement, consider using a 20-year extension of the retirement age to 65 years to minimize impact on retirement policy adjustments.
(Original title: society: pension balances 2.2968 trillion yuan)
京华时报讯(记者赵鹏)为了使社会各界全面了解社会保险情况，更好享有知情权，人社部昨天公布了“2003年—2012年全国企业职工基本养老保险情况”，透露去年养老险收入18363亿元，财政补助2430亿元，支出14009亿元，结余22968亿元，增长23.4%。
人社部称，按照政务公开的要求，该部对近10年全国企业职工基本养老保险的相关数据进行了汇总，并予以公布。数据显示，2003年养老险总收入、财政补助、总支出、累计结余的数据分别为3209亿元、544亿元、2716亿元和1764亿元。
到2012年，上述四项数据均有大幅增长，相比2011年的增长率也都在15%以上。值得注意的是，养老金结余数额虽然一直在增长，但结余的增长率却基本呈现出直线下降的趋势，从2004年增长41.7%的最高值，降低到了 2012年只增长23.4%。
整体来看，2012年比2003年总收入增加15154亿元，年均增长21.4%；财政补助增加1885亿元，年均增长18.1%；总支出增加11293亿元，年均增长20%；累计结余增加21204亿元，年均增长33%。
另一方面，养老险参保职工人数从2003年的10324万人，增加到了2012年的21361万人。而离退休人数也从2003年的3557万人，涨至2012年的6911万人。2003年至2012年参保总人数年均增长8.2%，其中参保职工人数年均增长8.4%，离退休人员年均增长7.7%。
■释疑
结余超两万亿到底多不多？
中国人民大学劳动人事学院社会保障系一位教授昨天在接受采访时称，养老险累计结余22968亿元这一数字看起来很大，但按去年支出14009亿元计算，也只够用1年多，前景并不过于乐观。一旦我国出台大幅提高职工或城乡居民养老险待遇的政策，22968亿元的高结余额其实维持不了太长时间。
结余有继续增加的空间吗？
这位教授称，过去几年养老险结余以高比例增加，主要受益于我国劳动力持续增加，以及养老保险持续扩面这两大因素。包括农民工、非正规就业人员、城乡居民等人群，都逐渐被纳入到养老保险制度覆盖范畴内。目前养老保险覆盖面已经超过80%，未来扩大空间比较有限。而劳动力逐渐短缺也成为一个趋势，靠人口红利的增加来维持养老保险的高结余和高增长率，空间也不断收窄。
延迟退休年龄是否有必要？
这位教授提出，十八届三中全会《决定》要求“研究制定渐进式延迟退休年龄政策”，这是立足长远的正确决定，也是未雨绸缪的必要选择。因为一旦我国养老金余额捉襟见肘，再临时推出延迟退休政策就为时已晚了。他建议可参考美国用4年延长1年退休时间的方式，考虑用20年将退休年龄延长至65岁，尽量减小退休政策调整带来的影响。
(原标题：人社部：养老金结余22968亿元)
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