Comparison table of payment, financial subsidy and receiving standard of new rural insurance in Bazhong City, Sichuan Province.

Quite simply, social security fees are generally deducted from the company account or paid by the company, and personal contributions are collected by the company.

Your pension payment manual is in your hand. Don't give the money to our company, just turn a blind eye.

"This is not a cost burden, will naturally think of some way to help you solve.

Anyway, of course it wants you to flatten the handle. You find that they are all useless. Even if the labor inspection is abnormal.

The unit where others speak, the leader of labor relations and social security relations. If he doesn't help you transfer out, the law will recognize the employees of your company. You ask him how much his monthly salary is. You must tell him that he is harmful.

Leaders can do it for you according to their own interests.

How can rural social insurance make farmers increase the financial cost of supporting agriculture?

The partial subsidy of agricultural tax to rural social security has become compulsory social security.

The dynamically created endowment insurance fund pays farmers and the mobile insured in rural areas, which illustrates the land-for-security system.

Life-saving money 60 million

Editor's Note: The Fate and Death of Peasants: Honghe Prefecture, Yunnan Province set up landless peasants and lent them to others in the name of raising interest rates and appreciating, resulting in huge debts that could not be paid off.

On February 8th, with the theme of "misappropriating 60 million pension funds", the transfer of rural insurance funds was reported back and forth.

More than 60 newspapers and websites reprinted this report almost simultaneously.

"At present, the management and use of the public welfare fund by the civil affairs and labor departments are basically unsupervised. For example, the overall requirements of Excellence, the discipline inspection and supervision, supervision and auditing departments will not interfere. If the management leaders have incorrect intentions, they will misappropriate funds for your personal or departmental interests."

"All powerful people can always catch a bunch of officials who are not clean or do nothing. The problem lasts for a long time and has a response. Why do managers fall behind? "

...

It is not difficult to see that from the user's opinion, the security of farmers' pension money is highly concerned.

/& gt； Is there a problem with the management of agricultural insurance fund? What is the cause of the problem? How to solve this problem? Wang yongchao

Village cadre endowment insurance, I don't know if it's true, so I won't give you money. Then I think the National Bureau and the country will never cheat us into deciding to have fewer children and watch the dialogue. "The farmers' feast in Tai 'an City, Shandong Province reflects the contradiction of some farmers' participation in insurance.

According to the statistics of China Labor Statistics Yearbook, in 2003, there were 223.9 million rural residents in China, including 65,438 rural residents and 39.7 million rural residents, accounting for the total number. When receiving the pension, the insured amount was * * * 654.38+97.6 million, and the monthly pension per capita was only in 40 yuan. The deduction of the endowment insurance fund for employees of township enterprises is only for farmers to pay pensions. The implementation method is based on the existing rural endowment insurance. The insured farmer is 20 years old. 60-year-old, the monthly rent paid by 20 yuan for 10 is two yuan. After 10, farmers can only receive 4.7 yuan's pension every month, and after 15, the income is only 9.9 yuan.

It is understood that the minimum amount invested by the vast majority of the insured is 2 yuan per month. Due to the increase of management fees and the influence of bank interest rates, the actual standard of receiving the insured may be lower. According to the actual situation of the insured, it is difficult to guarantee the basic life of the elderly by establishing the rural social endowment insurance system.

The overall phenomenon that farmers are unwilling to buy agricultural insurance accounts has increased.

"Rural social insurance work can be described as difficult, and in some places there has even been a large-scale surrender." Zhu, director of Bazhong Social Insurance Administration, is worried.

Zong and Zhu Rong said that the insurance methods of farmers everywhere are not uniform. Most farmers think this is the place to take action, and they are worried that the policy change will take a long time and the pension will be difficult to realize, which will affect the enthusiasm of the insured farmers. In addition, the policy boundary of endowment insurance for employees of urban enterprises with overlapping coverage and objects is unclear. For example, farmers who work in cities run enterprises, and individual industrial and commercial households in some States are included in the old-age insurance for employees of urban enterprises and some members of rural old-age insurance.

According to Yang, an expert on social endowment insurance from Renmin University of China and the Ministry of Civil Affairs, the rural social endowment insurance system was piloted in some rural areas from 65438 to 0990, and was popularized nationwide two years later. At the top of the mountain, more than 80 million rural people in China were insured, but this number began to drop to 1998, with only 5,000 people. In the past 1.5 years, it has accounted for 60% of the vast majority. China's aging population mainly depends on land, and farmers' children have not joined the social endowment insurance system. "

The reason why this happens, Xiong Yang thinks, is because according to the policy at that time, the rural social endowment insurance adopts the way that the national policy supports the individual payment standard, subsidizes it collectively and establishes individual accounts. However, in practice, most collectives are unable or unwilling to provide collective subsidies to rural insurance, and the support of national policies is difficult to achieve, resulting in the vast majority of insured farmers not receiving subsidies and paying by individuals, becoming a kind of social insurance that is completely paid by individuals.

"This is also one of the reasons why some farmers have interrupted insurance." In addition, Zhu believes that in the last decade, bank interest rates have been declining, and the interest rate standard for individual accounts of agricultural insurance has dropped from the highest 12% to 2.5%. It is difficult for pension to cope with the impact of rising interest rates and inflation. It is quite difficult for farmers' insurance funds to hedge inflation, let alone increase their value. This is another important reason for giving up some farmers.

The legal basis for the unification of local legislation on agricultural insurance is insufficient.

Director R&D of Party School of Haikou Municipal Committee of Hainan Province, concerned by rural experts, China's rural social endowment insurance has been explored and practiced for 10 years, but it has always lacked legal protection.

"Under the specific provisions of establishing a rural social endowment insurance system, the practice of insuring farmers in various places is very chaotic, and it is difficult to find a basis for local legislation." Tianwang said that he worked in agricultural insurance departments in Yantai, Qingdao, Suzhou and other places, and comrades in the agricultural insurance departments generally reflected that many provisions of the "County-level Rural Social Endowment Insurance Scheme" promulgated by 1992 were a bit outdated and infeasible in practice. All kinds of documents, speeches and leaders are too general and principled, and have a strong legal basis. They can't find the development of the local rural social endowment insurance system, which greatly reduces themselves.

The fragmentation of management system is not conducive to the participation of farmers who are working.

The broken reality of rural social security management departments in Wang Tianyi and China.

Labor and social security departments are responsible for endowment insurance, health departments are responsible for cooperative medical care, civil affairs departments are responsible for relief, subsistence allowances and special care, family planning departments are responsible for planning insurance, and poverty alleviation departments participate in rural social security issues. Tao Sun, an associate professor at the School of Economics and Management of Nanjing University of Aeronautics and Astronautics, compared the rural social security management system to "the troika, the flood of five dragons".

In his view, this fragmented reality has caused man-made contradictions in policy coordination and resource enjoyment, which is not conducive to the promotion and development of agricultural insurance. Moreover, the ownership of rural social endowment insurance departments all over the country is also the establishment of various agricultural insurance companies and social security departments, which are subordinate to the labor department, which also aggravates this fragmented situation.

The government funds to support the establishment of a dynamic personal account.

Sun Tao suggested that increasing financial expenditure subsidies for agricultural and rural social endowment insurance, subsidizing according to the payment of rural endowment insurance funds, increasing farmers' income, increasing the value of pension funds and other unexpected losses are mainly for guiding rural endowment insurance work and insurance behavior, increasing farmers' confidence, and also conducive to social stability and narrowing the gap between urban and rural areas.

In accordance with the procedures prescribed by law or the agricultural tax, the farmers' endowment insurance fund with agricultural tax reduction or exemption must be allocated by local government representatives to the individual accounts of insured farmers according to certain standards and methods in this process, so as to reduce the burden of endowment insurance for insured farmers.

At this stage, farmers should be allowed to pay endowment insurance and produce and manage agricultural products. This method is only a short transition period and should be eliminated at an appropriate time and place. In the process of urbanization, farmers lost their land, and the land should be the user, who should pay part or all of the endowment insurance fund. We should fully consider the characteristics of farmers' mobility and establish the dynamics of individual accounts for farmers' old-age insurance. Whether the insured farmers flow in or not will increase the personal account of the pension fund according to the nature and characteristics of the unit.

At the same time, the special fund for supporting agriculture and helping the poor, drawing lessons from experience, established a fund sponsored by rural social endowment insurance according to the unbalanced development of rural economy. Formulate corresponding policies to encourage domestic and foreign-funded enterprises, township enterprises, middle-and high-income groups of urban residents and farmers who get rich first to sponsor part of the endowment insurance fund, so as to promote the development of rural social endowment insurance.