2025重振消费之路（三）：健全社保体系如何撬动消费

Group 1: Achievements of the Social Security System - China has established the world's largest social security system, significantly enhancing the final consumption rate, which rose by 7.2 percentage points from 49.4% in 2010 to 56.5% in 2019[2][8] - By the end of 2024, basic pension insurance and medical insurance covered 1.066 billion and 1.326 billion people, respectively, achieving a coverage rate of 95% for pension insurance ahead of the "14th Five-Year Plan" target[2][11] Group 2: Issues in Coverage Quality - The quality of insurance coverage remains inadequate, with only 80.6% of urban employees covered by pension insurance and 57.6% by medical insurance, leaving a gap of approximately 9 million and 20 million people, respectively[2][24] - The average monthly pension for retired enterprise employees is 3,090 yuan, which is 2,872 yuan higher than that of rural residents, indicating a disparity in benefits[19][23] - The reimbursement rate for residents' medical insurance is lower than that for urban employees, leading to a weaker willingness to consume medical services[23][24] Group 3: Solutions for Improvement - To enhance consumption willingness, it is crucial to lower the barriers to entry for higher-quality employee insurance, which may require increased fiscal responsibility[7][46] - Proposed solutions include adjusting the payment base to lower the minimum contribution threshold and increasing subsidies for urban and rural residents' pension insurance to bridge the gap between urban and rural benefits[7][46] - The government plans to increase social security and healthcare spending, with a projected growth of 6.1% in social security expenditures in 2025, aiming to improve living standards and stimulate consumption[5][46]