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1、Retirementage陈颖2012.11.19Whytoextendtheretirementage1.LifeexpectancyisextendedPopulationstructurehaschangedAgingpopulationsiscoming2.ShortageofpensionsLifeexpectancy---anticipatedagePopulationstructureandagingpopulationIn1999,thepopulationabovesixtyyearsoldis130m
2、illion,10.2%ofthetotalpopulation.By2010,thenumberis178million,13.26%ofthetotalpopulation.Whenitcomesto2050,wewillhave480millionpeopleagingsixtyandabove,1/3ofthetotalpopulationandbecomingoneofthecountrieswhichhavethehighestagingpopulation.By2050,thelaborforcebetwe
3、en15and59willdeclineto710million,230millionlesserthan2010.PopulationstructureandagingpopulationWewillhave1.4billionpeoplein2040.ThenumberofPeopleoversixtyis411million.Peoplebetween20and60willdeclinefrom817millionto696million.Peoplebetween20and40willdeclinefrom436
4、millionto302million,fallingbymorethan30%By2050,thegenerationafter80’sand90’swillbe“youngeroldmen”,therewillbe100million’s“elderoldmen”over80yearsold.AboutthepensionsThreeparameters:Replacementrate(替代率）：thepensionyougetaftertheretirementaccountsforhowmuchofyoursal
5、aryonthejobPaymentrate（缴费率）:howmuchmoneyyoushouldpayforyourpensioninsuranceaccordingtoyoursalaryRetirementageAboutthepensionsReplacementrate:below50%(average),above80%(utility)Paymentrate:28%Retirementage:60(men)50(women)ConstitutionofpensioninsuranceIndividualac
6、countorpersonalaccount(emptyaccountanddevalue)SocialpoolingaccountShortageofpension(Individualaccount)Bytheendof2011,thebookvalueoftheindividualaccountis2.5trillion,buttheamountoftheemptyaccountis2.23trillion.From2000to2010,thepensioninsurancefundisputintothebank
7、withaninterestrateof1.8%,whichmeansthepensionhasbeendevaluedbymorethan0.6trillionWhatdoesitmeantoextendtheretirementage?Extendingtheretirementageforoneyearmeans20billion’spension.However,lastyear,thecountryhadfinanced200billionforthepension.Thatistosay,extendingt
8、heretirementagecanjustrelaxthepressureoftheshortageofpensiontoasmallextent.Measures toextendtheretirementageMakingpeopleabove16yearsold,not18yearsoldtopaythepe
