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10月9日起北京离退休人员可申请换发第三代社保卡
Zhong Guo Xin Wen Wang· 2025-10-09 05:48
10月9日起北京离退休人员可申请换发第三代社保卡 中新网北京10月9日电 (记者 吕少威)北京市人力资源和社会保障局9日发布消息,当天,北京启动第三 代社保卡第五批集中换发,北京离退休人员(含超转人员等,下同),可通过北京市人社局官网、"北京 人社"微信公众号等线上渠道申领。集中换发期间,北京离退休人员以本人2025年9月30日养老待遇代发 银行作为换发合作银行开展换发,新退休人员以本人办理退休时所选择的养老待遇代发银行作为换发合 作银行开展换发。持卡人在领卡后如确有更换第三代社保卡服务银行的需求,可自行更换。 第三代社保卡的换发不影响个人养老待遇发放,本人养老待遇仍发放至原待遇发放银行账号。持卡人如 选择第三代社保卡发放养老待遇,可通过相关业务渠道办理。 集中换发阶段线上申领第三代社保卡 集中换发期间,第三代社保卡自申领之日起30个自然日内完成制作,离退休人员可通过两种方式领卡。 一是选择"合作银行服务网点"领卡,根据收到银行发送的短信或电话通知,到所选择的发卡合作银行服 务网点领取,同时可现场启用社会保障功能和激活金融功能。二是选择"邮寄"领卡,由发卡合作银行提 供免费寄递服务。离退休人员收到卡后,可通过 ...
重新审视社会保障问题的核心|宏观经济
清华金融评论· 2025-10-05 08:00
以下文章来源于中国金融四十人论坛 ,作者蔡昉 中国金融四十人论坛 . 聚焦金融热点,速递论坛动态,独家发布论坛课题成果,连载书系新书、好书。 文/ 中国金融四十人论坛(CF40)学术委员会主席、中国社会科学院国家高端智 库首席专家 蔡昉 当前养老保险再次成为重点关注问题。首先需要清楚, 影响社保可持续 性的三大因素为人口、劳动力市场与劳动生产率 ,分解来看,老龄化与 高龄化趋势不可逆转,劳动力市场存在结构性就业矛盾、非正规化趋势、 岗位破坏与人工智能冲击。但是,人工智能同时提升了劳动生产率的增长 潜力,未来要完善社会保障,并不缺物质财富,而是缺少制度安排。 现在养老保险再次成为重点关注问题,固然有老龄化加剧、经济增长减速、企业遭遇困难等原因,这些既是全球问题也有中国表现,尤其是中国的 老龄化、少子化导致抚养比明显上升,因此产生了" 精算忧虑 ",就是说一算账大家就预期要出现养老赤字。另外,最高人民法院的《司法解释 二》进一步强化了社保缴纳问题,其更加倾向于保护缴纳社保,更加严格地限制不缴社保的任何协议,一些人担心这会成为压倒小微企业的最后一 根稻草。关于社保问题,不只是企业,政府、老百姓、学者都反复陷入这种担 ...
2026 Social Security COLA Predictions Have Increased: What This Means for Retirees
Yahoo Finance· 2025-09-29 13:18
The Social Security Administration (SSA) usually releases its official cost-of-living adjustment (COLA) for the coming year in the second week of October. Until then, The Senior Citizens League, the country’s foremost COLA prognosticator, projected that beneficiaries will get a 2.7% raise in 2026. That’s an increase from 2.5% in 2025. Read More: 3 Little-Known Social Security Rules That Could Save You Thousands Check Out: 3 Reasons Retired Boomers Shouldn't Give Their Kids a Living Inheritance (And 2 Reaso ...
社会保障体系更加健全 就业形势保持总体稳定
Jin Rong Shi Bao· 2025-09-29 01:07
Core Insights - The "14th Five-Year Plan" period has seen significant achievements in employment and social security, with a focus on high-quality development [1] Group 1: Pension Fund and Social Security - The scale of basic pension insurance fund investment operations has reached 2.6 trillion yuan, doubling since the end of the "13th Five-Year Plan" [2] - The average annual investment return rate of the basic pension insurance fund is 5.15%, achieving the goal of preserving and increasing value [2] - The enterprise (occupational) annuity fund has expanded to 7.56 trillion yuan, with an increase of 4.02 trillion yuan since the end of the "13th Five-Year Plan" [2] Group 2: Employment and Labor Market - The number of people covered by basic pension insurance has reached 1.072 billion, an increase of over 73 million since the end of the "13th Five-Year Plan" [3] - Urban new employment has reached 59.21 million, exceeding the target of 55 million [4] - The average urban survey unemployment rate over the past four years is 5.3%, below the expected control target of 5.5% [4] Group 3: Labor Relations and Rights Protection - Over 2,300 one-stop mediation centers for new employment forms have been established to address labor disputes [5] - More than 10,000 major wage arrears violations have been published and handled since the beginning of the "14th Five-Year Plan" [6] - A pilot program for occupational injury protection has been launched in seven provinces, covering various industries and platforms, with over 20 million new employment form workers participating [6]
国家统计局:社会保障体系全球规模最大,保障水平不断提升
Bei Jing Shang Bao· 2025-09-28 02:20
Group 1: Pension Insurance - The number of participants in the basic pension insurance is projected to reach 1.07 billion by the end of 2024, with the average monthly pension for enterprise retirees increasing from approximately 2900 yuan in 2020 to 3162 yuan in 2023 [1] - The number of employees participating in enterprise annuities is expected to be 32.42 million by the end of 2024, with the accumulated fund scale of enterprise annuities reaching 3.6422 trillion yuan, representing growth of 19.3% and 61.9% respectively since the end of 2020 [1] Group 2: Medical Insurance - The number of participants in the basic medical insurance is anticipated to reach 1.33 billion by the end of 2024, maintaining a coverage rate of around 95% since 2018 [2] - The per capita financial subsidy standard for urban and rural residents' basic medical insurance has increased to 670 yuan, reflecting a growth of 21.8% since 2020 [2] - Policies such as basic medical insurance, serious illness insurance, and medical assistance are expected to benefit 220 million visits for low-income rural populations in 2024 [2] - The proportion of personal health expenses in total health expenditure has decreased from 27.7% in 2020 to 27.3% in 2023, indicating a reduction in the financial burden on individuals seeking medical care [2] Group 3: Social Assistance - By the end of 2024, the number of individuals receiving minimum living security in urban and rural areas is projected to be 6.25 million and 33.615 million respectively [2] - The average monthly minimum living security standards for urban and rural areas are expected to be 798.1 yuan and 593.9 yuan, showing increases of 17.8% and 19.5% respectively since 2020 [2]
“十四五”就业目标超额完成
Employment and Social Security Achievements - The "14th Five-Year Plan" has achieved significant results in employment and social security, with urban new employment reaching 59.21 million by the end of August, exceeding the target of 55 million [1][4] - The unemployment rate for urban youth aged 16-24 was reported at 18.9% in August, reflecting a 0.1 percentage point increase year-on-year and a 1.1 percentage point increase from the previous month [2] New Employment Forms and Rights Protection - The rise of new employment forms, such as delivery workers and ride-hailing drivers, has led to a growing need for occupational injury protection, with pilot programs initiated in seven provinces since 2022 [5][7] - Over 20 million new employment form workers have participated in occupational injury insurance in pilot areas, with the program expanding to 17 provinces [7] Skills Training and Employment Services - The government is implementing a "1131" service model for graduates, providing multiple support services to enhance employment opportunities [2] - A large-scale vocational skills training initiative aims to train 30 million people over three years, addressing the skills mismatch in the labor market [3] Social Security Fund Growth - The total scale of social insurance funds during the "14th Five-Year Plan" reached 69.27 trillion yuan, with a cumulative surplus of 9.81 trillion yuan [10] - The basic pension insurance fund's investment scale has doubled to 2.6 trillion yuan, achieving an average annual return of 5.15% since its investment operations began [11] National Social Security Fund Development - The National Social Security Fund has grown to 3.22 trillion yuan, with an average annual return of 7.55% since its establishment [13] - The government is committed to enhancing the sustainability of the pension insurance system through the transfer of state-owned capital to the social security fund [13]
蔡昉:重新审视社会保障问题的核心
和讯· 2025-09-22 09:58
Core Viewpoint - The article emphasizes the urgent need to reform China's social security system, particularly the pension scheme, in light of demographic changes, labor market challenges, and the potential for increased productivity through artificial intelligence [5][7][12]. Group 1: Factors Affecting Social Security Sustainability - The three main factors impacting the sustainability of social security are population dynamics, labor market conditions, and labor productivity [5][8]. - Population aging is accelerating, with projections indicating that by 2032, over 21% of China's population will be aged 65 and above, marking a significant demographic shift [8]. - The labor market faces structural employment issues, including high youth unemployment rates and challenges for older workers nearing retirement [9][10]. - Labor productivity has the potential for significant growth, particularly with advancements in artificial intelligence, which could enhance the capacity to support the elderly [11][12]. Group 2: Institutional Arrangements for Sharing Productivity Gains - Current social security arrangements are inadequate for sharing the benefits of increased productivity, necessitating reforms in the pension system [12][16]. - The first pillar of social security is crucial; without a robust first pillar, the second and third pillars cannot function effectively [6][15]. - There is a need to improve the formalization of employment to ensure broader coverage of social security, especially for non-standard employment [13][14]. Group 3: Recommendations for Reform - Establish a universal social security system that includes a living wage and unconditional basic income to address the challenges posed by artificial intelligence [18]. - Reconsider the nominal account system, focusing on a bookkeeping approach that records contributions without requiring them to be fully realized, thus addressing the current paradox in the pay-as-you-go system [19].
四川推进社保卡“一卡通”建设,到2027年实现各类民生服务事项“应接尽接” 看病出行发资金一卡搞定
Si Chuan Ri Bao· 2025-09-22 06:46
四川省人民政府办公厅关于加快推进社会保障卡"一卡通"建设的实施意见 ●推动减证便民,实现在全省各级政务服务大厅可凭社保卡排号取号、业务办理等功能 ●推进社保卡与电子健康卡互联互通,实现使用社保卡就医挂号、住院登记、诊疗取药、查询打印 等医疗服务 ●实现公交、地铁通过社保卡刷卡、扫码乘车等交通出行应用 ●推进具备条件的旅游景区实现社保卡闸机验证入园入馆等线上线下应用。实现社保卡作为进入博 物馆、科技馆等各类公共文化场所的身份凭证 ●全省到人到户的惠民惠农财政补贴资金、社会保险待遇、国家奖助学金、以工代赈项目劳务报酬 等优先通过社保卡发放 在文化旅游领域,推进具备条件的旅游景区实现社保卡闸机验证入园入馆等线上线下应用。实现社 保卡作为进入博物馆、科技馆等各类公共文化场所的身份凭证,在具备条件的公共图书馆实现图书借阅 等功能。 在资金发放领域,全省到人到户的惠民惠农财政补贴资金、社会保险待遇、国家奖助学金、以工代 赈项目劳务报酬等优先通过社保卡发放,同步畅通银行卡等发放渠道。鼓励农民工工资、财政供养人员 工资、住房公积金、农业保险赔款、职工互助保障计划赔付款等通过社保卡发放。 在其他民生领域,充分发挥社保卡身份凭证 ...
中国十五五规划前瞻上篇:社保体系改革
2025-09-22 01:00
Summary of Conference Call on China's Social Welfare Reform Industry Overview - The conference call discusses the social welfare reform in China as part of the upcoming 14th Five-Year Plan, focusing on addressing economic challenges such as debt, population aging, and deflation [1][6][10]. Key Points and Arguments 1. **Importance of Social Welfare Reform**: Social welfare reform is crucial for breaking deflation and achieving a balanced economic development. It is seen as a key measure to facilitate a unified market cycle [1][10]. 2. **Progress in Addressing "3D" Challenges**: China has made progress in dealing with debt, demographic changes, and deflation over the past five years, with government support helping to mitigate risks associated with local government debt [1][6]. 3. **Economic Rebalancing**: The government aims to achieve economic rebalancing through targeted policies that can enhance total factor productivity, despite the short-term pain associated with reforms [1][10]. 4. **Rural vs. Urban Disparities**: There is a significant gap in social security coverage and benefits between urban and rural populations, necessitating reforms to enhance rural residents' welfare [2][11]. 5. **Long-term Benefits of Reform**: While short-term adjustments may lead to increased costs for households and businesses, the long-term benefits include improved consumption, reduced defensive savings, and enhanced economic resilience [2][12][27]. 6. **Fiscal Pressure from Aging Population**: The aging population is expected to increase fiscal pressure on the social security system, with projections indicating that fiscal transfers will need to rise from approximately 2% of GDP to over 3% [12][27]. 7. **Investment vs. Social Spending**: There is a need to shift resources from low-return investments to support social welfare, which requires a departure from the current investment-heavy growth model [12][13]. 8. **High Savings Rate**: China's high household savings rate, which has remained around 44% of GDP, reflects structural imbalances in the economy and underscores the need for reforms to stimulate consumption [16][22]. 9. **Social Security System Overview**: The current social security system is characterized by a dual-track structure, with urban workers receiving significantly higher benefits compared to rural residents [33][41]. 10. **Challenges in Implementation**: The complexity of the social security system, including high contribution rates and low perceived benefits, discourages participation, particularly among low-income groups [56][57]. Other Important but Overlooked Content - **Potential for Future Reforms**: The upcoming Fourth Plenary Session is expected to discuss key points of the 14th Five-Year Plan, which may provide a critical window for implementing more substantial reforms [10][12]. - **International Comparisons**: The report highlights that China's social security spending as a percentage of GDP is lower than that of many OECD countries, indicating room for improvement in social welfare provisions [41][42]. - **Impact of Social Security on Consumption**: Increased social security spending is correlated with higher consumption levels, suggesting that enhancing the social safety net could stimulate economic growth [30][31]. This summary encapsulates the essential insights from the conference call regarding China's social welfare reform and its implications for the economy.
2025社保与养老金融论坛聚焦 “高质量低成本” 健康保障之路
Xin Hua Cai Jing· 2025-09-21 14:54
Core Viewpoint - The "2025 Social Security and Pension Finance International Summit Forum" held in Shanghai emphasizes the importance of advancing the Healthy China strategy and achieving high-quality development in social security as critical issues for national welfare and social stability [1][2]. Group 1: Current Challenges in Social Security - China's aging population is accelerating, leading to a growing demand for quality health services and a reinforcement of traditional family caregiving roles, highlighting a mismatch between the increasing health security needs of the elderly and the existing social security system's adaptability [2]. - The current pension system faces three major bottlenecks: significant disparities in basic pension benefits across regions and urban-rural areas, a narrow coverage of enterprise annuities, and low participation in third-pillar pension financial products [2][5]. Group 2: Proposed Solutions and Innovations - Financial technology is suggested as a means to reconstruct the pension ecosystem, utilizing AI and big data for dynamic analysis of user needs and personalized asset allocation [3]. - A unified national health information platform is recommended to manage health throughout the life cycle, supported by wearable devices and cloud technology [3]. - The need for a dual approach to address the challenges of the aging population is emphasized, focusing on both supply-side technological innovations and demand-side consumption upgrades [6]. Group 3: International Perspectives and Economic Implications - The silver economy is viewed as a potential driver for global growth, with China's approach to aging governance providing valuable insights for other countries [2]. - The aging population impacts the economy through reduced labor supply, lower savings and investment rates, and diminished innovation capacity [6]. Group 4: Research and Policy Developments - The establishment of a comprehensive evaluation index system for the "Healthy China" initiative aims to enhance health levels and promote a healthy lifestyle [6]. - The release of the "Shanghai Social Security Reform and Development Report (2025)" outlines innovative practices and policy recommendations in social security and pension finance [6].