Chinese Department 2015 report social security: pension accumulated balances of 4 trillion | pension _ news

Persons and Social Affairs social security administration recently published the annual report of the development of China's social insurance of 2015. Reports show that two old-age insurance for urban employees and urban residents cumulative savings of nearly 4 trillion yuan. Old-age dependency ratio of insurance continues to decline, from 2014 2. 97:1 dropped to 2. 87:1. In other words, no more than three people to "raise" a person, means that young Endowment pressure is steadily increasing. However, the dependency ratio of endowment insurance of enterprises in Guangdong to 9. 74:1 ranks the first, equivalent to keep "more than 9 persons 1 in people" level.

　　Corporate pensions

Yields are highest in nearly six years

The is Department second regular annual communiqué released to the public social insurance development of 2015 annual report is the first in China and the United Kingdom the bilingual publication.

As of late last year, the number of basic old-age insurance for urban employees reached 353.61 million, basic old-age insurance for urban and rural residents reached 504.72 million people. In other words, participation in pension exceeded 858 million people nationwide. Old-age insurance for urban employees balance 3.53 trillion yuan, old-age insurance for urban and rural residents savings 459.2 billion yuan. Dependency ratio of endowment insurance for employees has continued to decline last year, although old-age dependency ratio of insurance enterprises in Guangdong province by 2014 decreased slightly, to 9.74:1, but remains the highest in the country.

Report shows monthly per capita pension for retired Enterprise last year 2251 (retirees 5453 Yuan per capita), compared to the previous year increased by 190 Yuan (retirees pensions by an average of 789 per capita), issuing no arrears in the current period. Worth noting is that corporate pension fund yields 3.1%, which is the highest in nearly six years. 2009-2014 Enterprise Endowment Insurance Fund, respectively, 2.2%, 2.4%, 2%, 2.5%, 2.9%. Replacement rate of pension for enterprise retirees (retirement pensions to pre-retirement wages income ratio) of 67.5%, flat in 2014. Last year, basic old-age insurance for urban and rural residents per capita pension for 116.7 Yuan/month, increased by 26.8 Yuan over last year.

　　Employee retirement

24 of the provinces below the national average

Report, at the end of last year, 288.93 million employees nationwide basic medical insurance, up 5.97 million from the previous year, an increase of 2. 1%, 2010 from 51.58 million, an average of 4%. Among them, the incumbency for joining health care 2 1 3 6 20,000, 73 per cent of the total number of insured. 9%, and totaled 75.31 million retirees, accounted for more than 26.1%. Health insurance retirement than last year (the ratio of the number of employees and the number of retirees) is 2.84, fell for the fourth year in a row.

It is understood that, according to the workers ' health-care policy, retirees do not pay, health spending per capita is much higher than workers and retirees, retirement down tips and Medicare revenue, increases in Medicare spending. Retirement remains were in the provinces of Guangdong, 7.44 per cent, which means that more than 7 workers to one retiree medical expenses "pay" and the Heilongjiang health care retirement than 1.65, ranked at the end of most of the 31 provinces.

Reports show that 24 provinces, retirement is lower than the national average. Among Guangdong, over and above the national average, as well as Beijing, Zhejiang, Jiangsu, Fujian, Shandong, Tibet and Xinjiang.

　　Three focal points

A

Heilongjiang Enterprise pension

Pay only 1 month to month

Report data show that 2012, the accumulated balance while expanding the pension insurance fund, increased from 230 million yuan of the 2012 to 2015 in 340 million Yuan, but can pay 19.7 months from 2012 to 2015 in the number of months to 17.7 months. Refers to the total balance of the fund divided by the number of months to pay monthly pensions total number of months of expenditures. Basic old-age insurance fund to pay their monthly decline in nearly two years, reflecting the Fund's future pressures.

Overall, since 2010 Endowment Fund support stability in the months 17-19, but there is a big difference between the areas. Heilongjiang, Jilin, Liaoning, Qinghai, Hebei, Shanxi, Tianjin, Hubei in 8 provinces, and the Xinjiang Construction Corps number of monthly payments in less than 10 months. Heilongjiang of corporate pensions can be paid only 1 months, Guangdong to pay for most months, national, ranked the second and third places went to Beijing and Tibet.

　B

Six provinces in pension to make ends meet

Reports show that last year, Heilongjiang, Liaoning, Jilin, Hebei, Shaanxi and Qinghai urban employees pension fund in six provinces period "beyond their means", and by the end of 2014 only Hebei, Heilongjiang and Ningxia provinces received in the current period does not arrive. Last year in Northeast China's old-age pension full "fall" Heilongjiang enterprises employees ' pension income less than the expenditure of 18.3 billion yuan, Liaoning, Jilin is 10.5 billion yuan of income and expenditure, 4.1 billion yuan.

Pension pressures dependency ratio can be seen from the three Northeastern provinces. Enterprise endowment insurance increase the dependency ratio fell below 2:1 provinces, Hubei Province, including Inner Mongolia, Liaoning, Jilin, Heilongjiang, Chongqing, Sichuan, Gansu, and Xinjiang. Among them, Jilin and Heilongjiang still ranked in the bottom two. While the highest dependency ratio of endowment insurance of enterprises in Guangdong, Fujian, Beijing and Zhejiang dependency ratio from last year to 4.55:1 from 3.43:1, and is the highest percentage of decline in all provinces.

　　C

Contributions accounted for more than seven years across

Report noted that last year in the old-age insurance for urban employees, the business sector contribution accounted for the proportion of insured workers only 80. 3%. This means that about 1 out of every 5 insurants who didn't pay. Moreover, the contribution of the business sector accounted for the proportion of insured workers has fallen for seven consecutive years since 2009, 2009 fees accounted for more than 87.7%.

Earlier, the Chinese Academy of social sciences in the development of Chinese pension report pointed out in 2015, from 2006 to 2014, in the basic old-age insurance system for urban employees in the business sector to pay the constant decline in the proportion of the number of insured employees, from 89.98% to 81.19%, "old age insurance contributions of insured persons it is alarming." Payment percentage number of insurants are too low, usually means that the number of insurants of too many people lack the ability to pay, which is spread over, basic old-age insurance for urban employees should not join the staff barely integrated into the system.

South reporter learned that, in some provinces it is even more alarming. Urban basic old-age insurance system for employees of the enterprise sector in Hainan 2014 payment percentage number of workers insured for 59.52%, that is to say, every 5 employees only 3 people in charge. While the number of Guangdong, Beijing and other places to pay accounted for less than 70%, Henan, Hebei, Guizhou, Chongqing, Hunan, Tianjin and Zhejiang lower than 80%. Xinjiang payment highest proportion, 96.59%, Shanghai, Hubei, Shanxi, Inner Mongolia and Tibet are higher than 90%.

Experts suggested that the provinces concerned should be adjusted pension collection expand the policy, leading members of urban and rural residents the ability to pay is too low system of basic old-age insurance system and other pension arrangements.

Interview: Chen Shuaiyu South reporters ' interns from Beijing

Responsible editor: Kun Qu SN117

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中国人社部2015年社保报告：养老金累计结余4万亿|养老金_新闻资讯

　　人社部社会保险事业管理中心近日发布《中国社会保险发展年度报告2015》。报告显示，城镇职工与城乡居民两项养老保险累计结余近4万亿元。但职工养老保险抚养比继续下降，由2014年2 。97：1降至2 。87：1。也就是说，不到三个人要“养”一个人，意味着年轻人养老压力正持续增大。不过，广东地区的企业养老保险抚养比以9 。74：1位居全国之首，相当于保持“超过9个人养1个人”的水平。

　　企业养老金

　　收益率是近六年以来最高

　　此次是人社部第二次以定期年度公报方式向社会公开发布社会保险发展状况，2015年年度报告首次以中国和英国双语出版。

　　截至去年年底，城镇职工基本养老保险参保人数达到35361万人，城乡居民基本养老保险参保人数达到50472万人。也就是说，全国参加养老保险人数突破8.58亿人。城镇职工养老保险累计结余3.53万亿元，城乡居民养老保险结余4592亿元。去年职工养老保险抚养比继续下降，广东地区企业养老保险抚养比虽由2014年9.75：1微降至9.74：1，但仍然是全国最高。

　　报告显示，去年企业离退休人员每月人均养老金2251元（离休人员人均5453元），相比上一年提高190元（离休人员人均养老金平均提高789元），当期发放无拖欠。值得注意的是，企业养老保险基金收益率达到3.1%，这是近六年以来的最高。2009-2014年的企业养老保险基金收益率分别为2.2%、2.0%、2.5%、2.6%、2.4%、2.9%。企业退休人员养老金替代率（退休时养老金占退休前工资收入比例）达67.5%，与2014年持平。去年全国城乡居民基本养老保险人均养老金为116.7元/月，比上年提高26.8元。

　　职工退休比

　　24省份低于全国平均水平

　　报告披露，截至去年底全国28893万职工参保基本医疗保险，比上年增597万，增长2 。1%，比2010年增加5158万，年平均增长4%。其中，参加职工医保的在职人数2 1 3 6 2万，占参保总人数的73 。9%，而退休人员总数为7531万，占比26.1%。去年医疗保险职工退休比（职工人数与退休人员人数之比）为2.84，连续第四年下降。

　　据了解，根据职工医保政策，退休人员不缴费，而退休人员人均医疗消费大大高于职工，职工退休比下降提示医保基金收入减少，医保基金支出增加。广东的职工退休比依然排在各省份之首，达7.44，这意味着超过7个在职职工为一个退休人员医疗费用“埋单”；而黑龙江的医保职工退休比1.65，排在31个省份的最末尾。

　　报告显示，24个省份的职工退休比低于全国平均水平。在全国平均水平之上的除广东外，还有北京、浙江、江苏、福建、山东、西藏、新疆。

　　三大焦点

　　A

　　黑龙江企业养老金

　　可支付月数仅1个月

　　报告数据显示，2012年以来，企业养老保险基金累计结余虽然不断扩大，由2012年的2.3亿元增至2015年的3.4亿元，但可支付月数由2012年的19.7个月下降至2015年的17.7个月。可支付月数指基金累计结余除以每月养老金总支出得到的月数。基本养老保险基金的可支付月数近两年均在下降，反映基金未来的压力。

　　总体而言，2010年以来养老基金支撑能力基本稳定在17-19个月之间，但地区之间存在较大差异。黑龙江、吉林、青海、河北、辽宁、陕西、天津、湖北8个省市和新疆兵团的可支付月数在10个月以下。黑龙江的企业养老金可支付月数仅1个月，广东可支付月数全国最多，排名第二、第三位的是北京、西藏。

　　B

　　六省份养老金入不敷出

　　报告显示，去年黑龙江、辽宁、吉林、河北、陕西和青海共六省份的城镇企业职工养老保险基金当期“入不敷出”，而截至2014年底只有河北、黑龙江、宁夏三省份当期收不抵支。去年东北三省的养老金全面“沦陷”，黑龙江企业职工养老金收入比支出少183亿元，辽宁、吉林也收支相差105亿元、41亿元。

　　从抚养比可以看出东北三省的养老压力。企业养老保险抚养比跌破2比1的省份增加湖北省，其他包括内蒙古、辽宁、吉林、黑龙江、重庆、四川、甘肃和新疆兵团。其中，吉林、黑龙江依旧排在最末两位。而广东企业养老保险抚养比最高，接着是福建、北京，而浙江抚养比由去年4.55：1降至3.43：1，是所有省份中下降比例最高的。

　　C

　　缴费人员占比七年连降

　　报告指出，去年城镇职工养老保险中，企业部门缴费人员占参保职工人数的比重仅80 。3%。这意味着，每5个参保职工中约有1人没缴费。而且，企业部门缴费人员占参保职工人数的比重自2009年以来已经连续七年下降，2009年缴费人员占比达87.7%。

　　此前，中国社科院在《中国养老金发展报告2015》中指出，2006年至2014年，在城镇职工基本养老保险制度中企业部门缴费人数占参保职工人数的比例不断下降，由89.98%降至81.19%，“养老保险参保人员的缴费情况令人担忧”。缴费人数占参保职工人数比例过低，通常意味着参保职工人数中缺乏缴费能力的人员过多，也就是扩面过度，把一些不该加入城镇职工基本养老保险的人员也勉强纳入该制度。

　　南都记者了解到，部分省份情况更令人担忧。2014年海南省企业部门城镇职工基本养老保险制度缴费人数占参保职工人数的比例为59.52%，也就是说，每5个参保职工中只有不到3人在缴费。而广东、北京等地缴费人数占比也低于70%，河南、河北、贵州、重庆、湖南、天津、浙江低于80%。新疆的缴费人数比例最高，达96.59%，上海、湖北、内蒙古、西藏、山西均高于90%。

　　专家建议，有关省份应调整养老保险征缴扩面政策，引导缴费能力过低的人员加入城乡居民基本养老保险制度等其他养老制度安排。

　　采写：南都记者吴斌 实习生陈帅宇 发自北京

责任编辑：瞿崑 SN117

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