Do you think the monthly pension of bank retirement will be lower than that of public institutions after 30 years?

Haha, this is hard to estimate. We are not fortune-tellers, but after 30 years, employees in both banks and institutions will comprehensively calculate their pensions according to the payment base, payment period, fund balance in personal accounts, and the average monthly salary of employees in the previous year, so it is really impossible to predict whose pension is higher than who.

Employees of public institutions began to pay employee social security from June 20 14 to June 20 10. Even the employees of public institutions who joined the work after June 20 14 have almost no deemed payment period after 30 years. Banks belong to enterprises, and the payment time of endowment insurance is the same as that of other enterprises. Up to now, all employees have paid endowment insurance. After 30 years, both employees of public institutions and bank employees are at a starting point. That is, they are all paid employee pension insurance, and their retirement conditions are at the legal retirement age. Pension payment 15 years or more, the calculation method of pension is exactly the same.

The conditions of universality are the same, relative to individual differences, that is, particularity The particularity of banks lies in financial enterprises. In financial enterprises, there are high salaries and low salaries, such as general administrative personnel, ground staff and window service personnel. In fact, although these people are also bank staff, their average income may be higher than that of the staff of ordinary enterprises, or higher than that of similar personnel in public institutions, but they are also considered as people with average internal income; From the perspective of institutions, although the overall income is not as high as that of banks, there are also high-income groups among the staff of institutions, such as those with higher ranks and technical titles. The income of these people is also relatively high in institutions, which may be higher than that of similar personnel in banks.

The direct consequence of the income distribution gap is the difference of payment base, but as the highest income and the lowest income, the difference of payment base is not very big. Compared with the region, if the monthly income is lower than 60% of the average monthly salary of employees in the previous year, it will be paid according to 60% of the average monthly salary of employees in the previous year, but this situation hardly exists in institutions or banks; In high-income areas, even if the income is higher, it can only be paid according to 300% of the average monthly salary of employees in the previous year at most, so for high-income people, the difference in payment base is not big; The biggest payment gap still belongs to middle income. In this group, some may reach 100%, some may reach 150%, and some may even reach 200%, which are determined by their income level when they are on the job.

In addition to the differences in payment base, payment period and individual account fund balance, the biggest difference between staff of public institutions and bank employees may be the occupational annuity. As a public institution, the occupational annuity is compulsory, and it is paid from June 20 14 to June 20438+00, because the personal account of the occupational annuity includes the unit contribution and the personal account, and the total contribution ratio is 12%. After 30 years, the occupational annuity income of public institutions will theoretically exceed the personal account pension by 4%. As for bank employees, although many companies have also paid enterprise annuities, how much they pay into their personal accounts is determined by the company, that is, the part paid by the company may not all go into their personal accounts, and there is also a question of the payment period and wealth management income. Therefore, compared with occupational annuity income and enterprise annuity income, employees of public institutions may have more advantages.

Through the above analysis, it is still impossible to compare the pensions of bank employees and institutions after 30 years, and it is impossible to see that the pensions of bank employees will be higher than those of institutions. It may be high or low, depending on which level of employees you belong to. If the occupational annuity is added, the average bank employee may be lower than the staff of public institutions after 30 years, and how to adjust the salary of public institutions after 30 years, because no one can predict.