[责任编辑：李佳慧] 崔鹏程表示,社会保障制度运行平稳。截至2025年底,全国基本养老、失业、工伤保险参保人数分别 为10.76亿人、2.49亿人、3.05亿人,分别比上年底增加316万人、329万人、102万人。全年三项社会保险 基金总收入9.1万亿元、总支出8.1万亿元,年底累计结余10.2万亿元。制度改革稳步推进,稳妥实施养老保 险全国统筹、个人养老金等重大改革。印发进一步做好企业年金工作的意见,扩大覆盖范围,简化建立程 序,让更多职工享有企业年金。扩大新就业形态人员职业伤害保障试点,截至2025年底,职业伤害保障试点 累计参保人数2510万人。社保待遇按时足额发放,城乡居民养老保险全国基础养老金最低标准进一步提 高,16个省份在中央提标基础上提高了本地基础养老金标准。全年发放失业保险金等失业保险保生活待 遇1602亿元。基金监管和投资运营不断加强,截至2025年底,基本养老保险基金委托投资规模达2.98万亿 元。便民服务不断加强,优化养老保险关系转移接续政策,开展"社保服务进万家"活动。截至2025年底,全 国社保卡持卡人数13.9亿人,其中11.04亿人领用电子社保卡。 人民网北京1月27日电 (记 ...

1月27日，人力资源社会保障部举行例行新闻发布会，介绍2025年人力资源和社会保障工作进展情况。 据人力资源社会保障部政策研究司司长、新闻发言人崔鹏程介绍，2025年社会保障制度运行平稳。截至 2025年底，全国基本养老、失业、工伤保险参保人数分别为10.76亿人、2.49亿人、3.05亿人，分别比上 年底增加316万人、329万人、102万人。全年三项社会保险基金总收入9.1万亿元、总支出8.1万亿元，年 底累计结余10.2万亿元。 "制度改革稳步推进，稳妥实施养老保险全国统筹、个人养老金等重大改革。印发进一步做好企业年金 工作的意见，扩大覆盖范围，简化建立程序，让更多职工享有企业年金。基金监管和投资运营不断加 强，截至2025年底，基本养老保险基金委托投资规模达2.98万亿元。"崔鹏程说。 据悉，下一步，人力资源社会保障部将持续深化社保制度改革。完善落实基本养老保险全国统筹制度。 制定优化社会保障体系"十五五"规划。积极稳妥推进职业伤害保障试点，将试点扩大到全国。同时，扩 大社保覆盖范围。鼓励支持灵活就业人员、新就业形态人员参加职工保险。推动城乡居民养老保险应保 尽保，指导各地落实代缴城乡居民养老保险费等 ...

（来源：谭谈研究） 目前我们的养老保险机制正面临比较大的危机，很多人现在都不想缴纳五险一金，其中有个很重要的问 题就是觉得养老保险不划算。简单来说，就是现在养老金缺口扩大、新生人口不断下降的情况下，大家 对于未来自己能够领到的养老金""预期不明朗"（其实就是觉得交的钱赚不回来）。 当然上面也是意识到这个问题，在想办法改变。 对比十四五规划，最近出台的十五五规划在养老保险领域呈现出 3 项关键调整： 第一，战略地位有所提升。在规划序列里，养老保险相关内容的排序较"十四五"时期前进一位，从第 10 位升至第 9 位。 第二，核心表述更为宽泛。"十四五"规划中提及的"尽快实现企业职工基本养老保险全国统筹"，到"十 五五"规划变为"落实养老保险全国统筹"，去掉了"企业职工"限定词，覆盖范围更广。 第三，对多层次多支柱养老保险体系的重视程度进一步加大。"十四五"期间重点在于大力推进该体系建 设，"十五五"则强调加快发展，体现出更积极的推进态势。 那我们该如何去理解这些关键变化呢？今天就来探讨一下这个主题。 首先来看"十四五"规划期间养老保险的主要运行态势： 第一点，养老金的涨幅呈现出逐渐下降的趋势，从2021年的4.5 ...

Group 1 - The Ministry of Human Resources and Social Security (MoHRSS) is accelerating the entrusted investment of the basic pension insurance fund, with entrusted fund equity reaching 1.46 trillion yuan by the end of 2021 [1] - The investment returns for the basic pension insurance fund were 9.03% in 2019 and 10.95% in 2020, with an additional 220 billion yuan in entrusted equity investment in 2021 [1] - The current scale of the basic pension insurance fund entering the market has significant growth potential, representing a stable long-term investment force for capital market development [1] Group 2 - The implementation of national coordination of pension insurance began in January, allowing for the adjustment of pension funds across regions to ensure timely and full payment of pensions [2] - A central and local government expenditure responsibility-sharing mechanism will be established, ensuring stable and continuous central financial support for pension insurance [2] - National coordination is expected to enhance the sustainability of pension insurance and improve payment guarantee levels by unifying management across various aspects [2] Group 3 - The central adjustment system for pension funds was established in July 2018, balancing the burden of pension funds between provinces, with over 600 billion yuan adjusted across provinces from 2018 to 2021 [3] - The next steps for national coordination include implementing national coordination for enterprise employee basic pension insurance and developing personal pension policies [3] - Continuous optimization of service delivery and risk prevention in social security fund investment will be prioritized [3]

Group 1: National Pension Insurance System - The national coordination of enterprise employee basic pension insurance was officially implemented on January 1, 2022, aiming to ensure timely and sufficient pension payments while enhancing the supervision of social security funds [1][4][5] - The new system addresses structural contradictions in pension funds across provinces, ensuring that regions with financial difficulties have better guarantees for pension payments [4][5] - The central government will maintain stable and continuous financial support for pension insurance, while local governments will have clearer expenditure responsibilities [5][6] Group 2: Social Security Fund Performance - By the end of 2021, the total number of social security cardholders reached 1.352 billion, with a coverage rate of 95.7% [2] - The total income of social security funds in 2021 was 6.8 trillion yuan, with total expenditures of 6.3 trillion yuan, resulting in a cumulative surplus of 6.8 trillion yuan [2] - The central government allocated over 600 billion yuan in subsidies to support local pension funds in 2021, with a central adjustment ratio for enterprise employee basic pension insurance raised to 4.5% [3] Group 3: Regulatory Enhancements - The Ministry of Human Resources and Social Security has introduced the "Administrative Supervision Measures for Social Insurance Funds," effective from March 18, 2022, to combat fraud and misappropriation of social security funds [7][8] - The measures aim to improve the efficiency of supervision and establish a comprehensive social insurance fund supervision system [8] - The government plans to implement a "Social Security Fund Management Improvement Year" initiative to enhance oversight and conduct special inspections across all types of social insurance funds [8]

Core Viewpoint - The nationwide coordination of basic pension insurance officially implemented on January 1, 2022, is a significant reform aimed at balancing regional burdens, enhancing fund resilience, and promoting standardized public services across the country [1]. Group 1: Importance of Nationwide Coordination - Nationwide coordination of pension insurance helps to balance the pension burden among provinces and alleviate structural contradictions [1]. - It enhances the risk resistance capability of pension funds and boosts the confidence of participants [1]. - The reform aims for a unified and standardized pension insurance system across the country, aligning with international practices where most countries with robust pension systems implement nationwide coordination [1]. Group 2: Foundations for Effective Implementation - Three foundational aspects are necessary for the effective implementation of nationwide pension coordination [2]. Group 2.1: Unified Pension Policies - There is a need to unify pension contribution and benefit policies across provinces, including contribution bases, rates, and benefit items, to ensure a cohesive national strategy and prevent systemic leakage [3]. Group 2.2: Central and Local Responsibility Mechanism - The central government must maintain stable and continuous financial support while gradually enhancing local government responsibilities through incentives and constraints to ensure timely and full pension payments [4]. Group 2.3: Capacity Building - Improving the levels of fund collection, management, service, and information systems is essential to provide better operational support for nationwide pension coordination [5].

Group 1 - The core viewpoint of the news is the progress in social security reforms and the expansion of coverage for new employment forms, highlighting the significant growth in pension fund management and the implementation of various protective measures for workers [1][3][4] Group 2 - As of June 30, the scale of pension fund investment operation reached 2.55 trillion yuan, indicating a stable management of social security funds [1][4] - The pilot program for occupational injury protection for new employment forms has seen positive results, with 12.34 million insured individuals, reflecting the effectiveness of the program in safeguarding against major accidents [3] - The Ministry of Human Resources and Social Security (MoHRSS) is advancing the national coordination of basic pension insurance and the gradual implementation of delayed retirement age reforms [3][4] - The number of social security card holders reached 1.39 billion, covering 98.9% of the population, with 1.097 billion electronic social security cards issued, covering 77.9% of the population [4] - The MoHRSS is focusing on enhancing fund supervision and management, including measures to combat fraud and improve the regulatory framework for pension fund operations [4]

Group 1 - The State Administration of Foreign Exchange reported that in the first half of the year, banks accumulated foreign exchange settlement of 82,135 billion yuan and foreign exchange sales of 83,950 billion yuan, indicating a stable foreign exchange market with strong resilience and vitality, outperforming market expectations [1] - In the first half of the year, there was a net inflow of cross-border funds of 127.3 billion USD from non-bank sectors, and foreign capital net increased holdings of domestic stocks and funds by 10.1 billion USD, reversing the net reduction trend of the past two years, with expectations for gradual increases in foreign allocation of RMB assets [1] Group 2 - The Ministry of Human Resources and Social Security reported that as of the end of June, the number of participants in basic pension, unemployment, and work injury insurance reached 1.071 billion, 245 million, and 300 million respectively, all showing stable growth year-on-year [4] - The Central Huijin Investment Co. has significantly increased its holdings in exchange-traded funds (ETFs), with a total subscription of over 200 billion yuan in the second quarter, aligning its strategic layout with policy guidance to stabilize market expectations and attract long-term capital [4] Group 3 - JD.com launched a "Dish Partner" recruitment plan, offering 1 billion yuan in cash to find partners for 1,000 signature dishes, with a guaranteed dividend of 1 million yuan for each dish [7] - Meituan announced the official launch of the "Ten Thousand Brands" plan, providing traffic support, customized services, and brand support for 10,000 well-known catering brands, with over 5,000 brands already participating [8]

Group 1: Monetary Policy and Market Operations - The central bank conducted a 7-day reverse repurchase operation on July 22, with a fixed rate and a total of 214.8 billion yuan at an interest rate of 1.40% [1] - On the same day, 342.5 billion yuan in reverse repos and 120 billion yuan in treasury cash deposits matured [1] - The interbank market showed a significant improvement in liquidity, with the weighted average interest rate for overnight repos (DR001) dropping over 5 basis points, approaching 1.30% [3] Group 2: Bond Market Performance - The yields on long-term government bonds (7-year, 10-year, and 30-year) increased by over 1 basis point, indicating a weak performance in the bond market [9] - The closing prices for government bond futures showed a decline across all maturities, with the 30-year main contract down by 0.4% [12] Group 3: Social Insurance and Employment - As of the end of June, the number of participants in basic pension, unemployment, and work injury insurance reached 1.071 billion, 245 million, and 300 million respectively, showing steady growth year-on-year [13] - The total income of the three social insurance funds in the first half of the year was 4.53 trillion yuan, with total expenditures of 3.89 trillion yuan, resulting in a cumulative balance of 9.83 trillion yuan [13] - The number of new urban jobs added in the first half of the year was 6.95 million [13] Group 4: International Investment Initiatives - The German government, along with business representatives, announced a large-scale investment initiative to invest 631 billion euros by 2028 to boost the economy and enhance competitiveness [15]

Group 1 - The Ministry of Human Resources and Social Security (MoHRSS) is promoting the expansion of the basic pension insurance fund's entrusted investment scale and will continue to advance national pension coordination and the gradual increase of the statutory retirement age [2] - The employment situation in China remains stable, with 6.95 million new urban jobs created in the first half of the year, achieving 58% of the annual target [3] - The total revenue of the three social insurance funds reached 4.53 trillion yuan, while total expenditures were 3.89 trillion yuan, resulting in a cumulative balance of 9.83 trillion yuan by the end of June [3] Group 2 - Eight provinces in China have raised their minimum wage standards as of the end of June, reflecting ongoing adjustments in labor costs [4] - The MoHRSS has released wage information for 2024, providing reference for enterprises and workers in negotiating salary levels [4]