What kind of insurance is this?

it should not be mandatory. But I feel that you should be talking about the new rural insurance.

the State Council's guiding opinions on the pilot project of new rural social endowment insurance

? Guo Fa [29] No.32

People's governments of all provinces, autonomous regions and municipalities directly under the Central Government, ministries and commissions and institutions directly under the Central Government of the State Council:

According to the spirit of the 17th National Congress of the Communist Party of China and the Third Plenary Session of the 17th Central Committee, the State Council decided to launch a new rural social endowment insurance (hereinafter referred to as the new rural social endowment insurance) as a pilot from 29. The following guiding opinions are put forward on the pilot work:

1. Basic principles

The new rural insurance work should hold high the great banner of Socialism with Chinese characteristics, take Deng Xiaoping Theory and Theory of Three Represents as the guidance, thoroughly implement Scientific Outlook on Development, and gradually solve the problem of rural residents' old-age security according to the requirements of accelerating the establishment of a social security system covering urban and rural residents. The basic principle of the new rural insurance pilot is "basic, wide coverage, flexible and sustainable". First, proceed from the reality in rural areas, start at a low level, and the financing standards and treatment standards should be compatible with economic development and affordability in all aspects; Second, individuals (families), collectives and governments share responsibilities reasonably, and rights correspond to obligations; Third, the combination of government-led and farmers' willingness to guide rural residents to participate in insurance; Fourth, the central government determines the basic principles and main policies, and local governments formulate specific measures to implement territorial management of insured residents.

II. Mission Objective

Explore the establishment of a new rural insurance system that combines individual contributions, collective subsidies and government subsidies, and combine social pooling with individual accounts, which are matched with other social security policies and measures such as family pension, land security and social assistance to ensure the basic livelihood of rural residents in the elderly. In 29, the pilot coverage was 1% of the counties (cities, districts and banners) in China. Later, the pilot will be gradually expanded and implemented nationwide, and the full coverage of rural school-age residents will be basically realized by 22.

III. Scope of Insurance

Rural residents who have reached the age of 16 (excluding students at school) and have not participated in the basic old-age insurance for urban workers can voluntarily participate in the new rural insurance at their domicile.

iv. fund raising

the new rural endowment insurance fund consists of individual contributions, collective subsidies and government subsidies.

(1) individual payment. Rural residents who participate in the new rural endowment insurance shall pay endowment insurance premiums according to regulations. At present, the payment standard is set to five grades in 1 yuan, 2 yuan, 3 yuan, 4 yuan and 5 yuan every year, and local governments can add payment grades according to actual conditions. Insured people choose their own grades to pay, and if they pay more, they will get more. The state adjusts the payment grade in a timely manner according to the increase of per capita net income of rural residents.

(2) collective subsidies. Conditional village collectives shall give subsidies to the insured, and the subsidy standards shall be determined by the villagers' committee to convene a villagers' meeting. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured.

(3) government subsidies. The government pays the insured eligible for the new rural insurance basic pension in full, of which the central government gives full subsidies to the central and western regions according to the basic pension standards determined by the central government, and 5% subsidies to the eastern region.

The local government should subsidize the insured person's payment, and the subsidy standard should not be lower than 3 yuan per person per year; Appropriate encouragement may be given to those who choose higher-grade standard payment, and the specific standards and measures shall be determined by the people's governments of provinces (autonomous regions and municipalities). For groups with payment difficulties such as severely disabled people in rural areas, local governments pay part or all of the minimum standard endowment insurance premiums.

v. establishing personal accounts

the state establishes a personal account for old-age insurance with a lifetime record for each new rural insurance participant. Individual contributions, collective subsidies, subsidies from other economic organizations, social welfare organizations and individuals to the insured, and subsidies from local governments to the insured are all credited to individual accounts. At present, the amount stored in personal accounts bears interest every year with reference to the one-year deposit rate of RMB in financial institutions announced by the People's Bank of China.

VI. Pension treatment

Pension treatment consists of basic pension and personal account pension, which is paid for life.

The basic pension standard determined by the central government is 55 yuan per person per month. Local governments can raise the basic pension standard according to the actual situation. For rural residents who have paid for a long time, they can appropriately increase the basic pension, and part of the funds for the increase and increase will be paid by local governments.

the monthly calculation and payment standard of personal account pension is the total storage amount of personal account divided by 139 (the same as the current calculation and payment coefficient of personal account pension of basic old-age insurance for urban workers). When the insured dies, the balance of funds in the personal account can be inherited according to law, except for government subsidies; The balance of government subsidies is used to continue to pay the pensions of other insured persons.

VII. Conditions for receiving pension benefits

Elderly people with household registration in rural areas who have reached the age of 6 and do not enjoy the basic old-age insurance for urban workers can receive a monthly pension.

when the new rural insurance system is implemented, those who have reached the age of 6 and have not enjoyed the basic old-age insurance benefits for urban workers can receive the basic pension on a monthly basis without paying fees, but their eligible children should pay for the insurance; If it is less than 15 years from the age of collection, it should be paid annually, and it is also allowed to pay back, and the accumulated payment should not exceed 15 years; From the age of more than 15 years, should be paid annually, the cumulative payment of not less than 15 years.

young and middle-aged farmers should be guided to actively participate in insurance and pay long-term fees, so that they can get more if they pay long. The specific measures shall be formulated by the people's governments of provinces (autonomous regions and municipalities).

VIII. Adjustment of treatment

According to the economic development and price changes, the state adjusts the minimum standard of the national new rural insurance basic pension in a timely manner.

IX. Fund Management

Establish and improve the financial accounting system of the new rural endowment insurance fund. The new agricultural insurance fund shall be incorporated into the financial special account of the social security fund, with two lines of revenue and expenditure management, separate bookkeeping and accounting, so as to maintain and increase the value in accordance with relevant regulations. In the pilot stage, the new agricultural insurance fund will be temporarily managed at the county level, and with the expansion and opening of the pilot, the management level will be gradually improved; Where conditions permit, provincial management can also be directly implemented.

X. Fund Supervision

Human resources and social security departments at all levels should earnestly perform their supervisory duties of the new rural endowment insurance fund, formulate and improve various business management rules and regulations of the new rural endowment insurance, standardize business procedures, establish and improve the internal control system and fund audit system, monitor and regularly check the fund collection, transfer and distribution, and regularly disclose the information on fund collection and payment of the new rural endowment insurance fund, so as to be open and transparent and strengthen social supervision. The financial, supervisory and auditing departments shall exercise supervision according to their respective responsibilities, and it is strictly forbidden to misappropriate funds to ensure the safety of funds. The new agricultural insurance agencies and villagers' committees in the pilot areas publicize the eligibility of the insured in the village for payment and treatment within the administrative village every year, and accept the supervision of the masses.

Xi. Handling management services

In areas where the pilot of the new rural endowment insurance is carried out, it is necessary to carefully record the payment and treatment of rural residents, establish insurance files and keep them properly for a long time; Establish a unified national information management system for new rural endowment insurance, incorporate it into the construction of social security information management system ("Golden Insurance Project"), and share information resources with other citizen information management systems; It is necessary to vigorously promote the social security card to facilitate the insured to pay by card, receive benefits and inquire about their insurance information. According to the principle of streamlining efficiency, the pilot areas should integrate the existing rural social service resources, strengthen the capacity building of the new rural insurance, and use modern management methods and government purchase services to reduce administrative costs and improve work efficiency. The new agricultural insurance funds shall be included in the fiscal budget at the same level, and shall not be spent from the new agricultural insurance fund.

XII. Linkage of relevant systems

In areas where rural social endowment insurance (hereinafter referred to as old-age pension insurance) with individual contributions as the mainstay and complete personal accounts has been carried out, it is necessary to properly handle the creditor's rights of the old-age pension fund and make a good connection with the new old-age pension system. In the pilot area of the new rural insurance, all insured persons who have participated in the old rural insurance, reached the age of 6 and have received the old rural insurance pension can directly enjoy the basic pension of the new rural insurance; For the insured who have participated in the old-age insurance, have not reached the age of 6, and have not received the pension, the funds in the personal account of the old-age insurance should be incorporated into the personal account of the new-age insurance, and continue to pay according to the payment standard of the new-age insurance, and enjoy the corresponding treatment when meeting the prescribed conditions.

The connection between the new rural endowment insurance and other endowment insurance systems, such as the basic endowment insurance for urban workers, shall be formulated by the Ministry of Human Resources and Social Security jointly with the Ministry of Finance. It is necessary to properly link up the new agricultural insurance system with policies and systems such as social security for landless farmers, support policies for reservoir resettlement, incentives and assistance policies for rural family planning, rural five-guarantee support, social preferential treatment, and rural minimum living security system. The specific measures shall be studied and formulated by the Ministry of Human Resources and Social Security and the Ministry of Finance jointly with relevant departments.

XIII. Strengthening Organization and Leadership

the State Council established a leading group for the pilot work of the new rural endowment insurance to study and formulate relevant policies, supervise and inspect the implementation of the policies, summarize and evaluate the pilot work, and coordinate and solve the problems in the pilot work.

local people's governments at all levels should fully understand the great significance of carrying out the pilot work of the new rural endowment insurance, include it in the local economic and social development plan and the annual target management assessment system, and earnestly strengthen organizational leadership. Human resources and social security departments at all levels should earnestly perform the duties of the administrative department in charge of the new agricultural insurance, and do a good job in overall planning, policy formulation, unified management and comprehensive coordination of the new agricultural insurance in conjunction with relevant departments. Pilot areas should also set up a pilot work leading group to be responsible for the pilot work in this area.

XIV. Formulation of Specific Measures and Pilot Implementation Plan

The people's governments of provinces (autonomous regions and municipalities) shall formulate specific measures for the pilot according to these guiding opinions and the actual situation in the region, and report them to the leading group for the pilot work of new rural insurance in the State Council for the record; On the basis of full investigation, multi-party demonstration and careful calculation, we should put forward a feasible pilot implementation plan, select the pilot area as required, and report it to the leading group for the pilot work of new rural insurance in the State Council for approval. The pilot implementation plan of the pilot counties (cities, districts and banners) shall be implemented after the approval of the people's governments of all provinces (autonomous regions and municipalities) and reported to the leading group for the pilot work of the new rural endowment insurance in the State Council for the record.

XV. Do a good job in public opinion propaganda

Establishing a new rural endowment insurance system is an important decision to thoroughly implement Scientific Outlook on Development and accelerate the construction of a social security system covering urban and rural residents. It is an important measure to cope with the international financial crisis and expand domestic consumption demand. It is an important basic project to gradually narrow the gap between urban and rural areas, change the dual structure between urban and rural areas, and promote the equalization of basic public services. It is also a major policy of benefiting the people to realize the old age of rural residents, promote family harmony and increase farmers' income.

all regions and relevant departments should adhere to the correct direction of public opinion, use easy-to-understand publicity methods, and strengthen the publicity of the significance, basic principles and policies of the pilot work, so as to make this policy of benefiting the people deeply rooted in the hearts of the people and guide school-age farmers to actively participate in insurance.

all localities should pay attention to the new situations and problems that appear in the pilot process, actively explore and summarize the methods and experiences to solve new problems, properly handle the relationship between reform, development and stability, and do good things well. The important situation should be reported to the leading group of the new rural insurance pilot project in the State Council in a timely manner.

the State Council

September 1st, 29