Why is the data of my endowment insurance provincial system different from that of local system?

First, the new rural social endowment insurance problems in the pilot work

(A) the new rural social endowment insurance policy and related policies.

At present, there is no unified policy to link the new rural social endowment insurance and related security in China. The connection method between the new rural old-age insurance and the basic old-age insurance for urban workers, and the matching connection between the new rural old-age insurance system and the social security for land-expropriated farmers, the late-stage support policy for reservoir resettlement, the rural family planning reward and assistance policy, the rural five-guarantee support, social special care and the rural minimum living security system have not yet been introduced. Heilongjiang province's handling of the above problems is only self-exploration, and it is still waiting for the introduction of the central policy document. In the long run, it will affect the enthusiasm of farmers to participate in insurance, and as a result, it will reduce the coercive power of social security laws and regulations. Therefore, it is necessary to introduce the new rural social endowment insurance policy and related policies as soon as possible.

(2) Young and middle-aged farmers are not enthusiastic about participating in insurance.

At present, the people who are most motivated to participate in the insurance are those who can enjoy the treatment by paying premiums over 60 years old, while those under 45 years old hold a wait-and-see attitude. The problem of providing for the aged in rural areas is mainly solved by family support, and family support is absolutely dominant. The reasons are as follows: firstly, farmers under the age of 45 are in their prime of life, and they have not given much consideration to the issue of providing for the aged, so they do not care about the new rural social endowment insurance policy; Second, the new rural social endowment insurance system does not link the basic pension with the payment period. No matter how long the payment period is, the basic pension is still in 55 yuan, and young and middle-aged farmers feel that it is not cost-effective; Third, the new rural social endowment insurance has a low level of protection. If the individual account pays 100 yuan every year and continues to pay 15 years, the individual account can only receive about 15 yuan per month after the farmer reaches the age of 60, plus the minimum basic pension in 55 yuan, so that the farmer can receive the pension in 70 yuan every month. From the analysis of eligible insured persons in Heilongjiang, it is found that the younger the age, the lower the participation rate.

(C) County-level financial subsidies for the new rural social endowment insurance are difficult to stabilize.

According to the policy, the new rural social endowment insurance funds mainly come from three aspects, individual contributions, collective subsidies and financial subsidies. This payment method requires financial support for the rural social endowment insurance in the pilot project. Judging from the actual situation of the pilot, the lack of funds is the core problem of rural social endowment insurance construction. On the financing mechanism, the new rural social endowment insurance implements the principle of sharing individual contributions, collective subsidies and financial subsidies, which embodies the responsibility of the government as the main body of social security. However, in a few pilot areas, the financial input of rural social endowment insurance is mainly manifested in the central and provincial capital input, and the county-level financial subsidies are not in place. Judging from the current system, some county-level governments in Heilongjiang have serious financial difficulties. Most of the county and township finances are maintained at the level of "eating", and their ability to provide public goods and services is very limited. Therefore, there are few subsidies for the new rural insurance and the sources of funds are unstable.

(4) The organization is not perfect.

First, the establishment of county-level institutions is insufficient. The beneficiaries of the new rural old-age insurance are a large number of rural population, which needs to go deep into thousands of households to carry out work. At present, the lack of county-level institutions restricts the in-depth development of this work. The strength of handling cases does not meet the needs of current work. Mainly reflected in the county, township and village case-handling power is seriously insufficient, and the case-handling network has not been effectively established. Because there is no new establishment, the county agricultural insurance bureaus borrowed as many as 8 people to ensure the work operation; Villages and towns carry out the work of "new rural insurance" by transferring from other stations, institutes or university student village officials. However, the Social Endowment Insurance Administration for Urban and Rural Residents, which specifically handles the new rural endowment insurance business, has only six employees, each of whom is responsible for the insured work of 65,438+10,000 farmers on average, and the workload can be imagined. Second, township managers are not fixed. In some places, the lack of social security personnel in towns and villages, the poor stability of handling personnel and frequent job changes are not conducive to the pilot of the new rural insurance. Third, there is a lack of long-term planning for the guarantee of work funds. Each pilot county only arranged special funds for the start of the new rural insurance, and lacked long-term planning for future work funds.

Second, improve the new rural social endowment insurance system countermeasures

(A) as soon as possible to introduce a new rural social endowment insurance policy and related policies of the convergence program.

In order to better solve the connection problem between the new rural old-age insurance and related policies and systems, and safeguard the vital interests of farmers, we can start from the following aspects: First, we should formulate the transitional transfer method between the new rural old-age insurance and the social security of landless farmers as soon as possible, support policies for the later period of reservoir resettlement, rural five-guarantee support, rural minimum living guarantee, family planning reward and assistance, social preferential treatment and other social security systems. The second is to explore the connection between the new rural insurance and the basic old-age insurance for urban enterprise employees and urban residents, and realize the new pattern of urban-rural integration of old-age security as soon as possible. The third is to introduce a unified old-age insurance scheme for urban residents as soon as possible to achieve full coverage of the system. For the convergence and transformation between systems mentioned in the Guiding Opinions, relevant departments should discuss and issue formal policies as soon as possible to ensure the standardization of the transformation between systems, safeguard the interests of those who transform systems, and minimize their losses due to the convergence and transformation of systems. Judging from the detailed rules issued by various pilot places at present, the system convergence and transformation are localized, which is not conducive to cross-regional transfer. Therefore, it is suggested to establish a system connection and transformation mechanism at the national level to ensure the smooth connection and transition between various systems and promote the realization of the urban-rural integrated old-age security system.

(2) increase financial support and improve the degree of financial security.

As an important part of the social security system, the social endowment insurance system should be the right enjoyed by all members of society and should not be discriminated by any form of policy or system. Therefore, the government should bear the responsibility of rural social endowment insurance; Accordingly, the state finance should bear the corresponding expenditure.

First of all, the state finance should incorporate rural social endowment insurance into the fiscal budget and increase the budget expenditure arrangement year by year. It is necessary to grasp the key points of financial input. The central government should tilt to the central and western regions and relatively poor areas, and increase financial support for these areas. On the premise of ensuring that the growth rate of provincial funds for supporting agriculture is higher than that of regular fiscal revenue, new financial expenditure will be tilted towards rural social endowment insurance, and governments at all levels will establish special funds for rural social endowment insurance. By increasing the transfer payment to the lower levels, we will enhance the grassroots financial resources and the ability of local governments to independently solve the problems of rural social endowment insurance construction; And through the use of subsidies, interest subsidies, tax incentives and other means to play the leading role of financial funds, the establishment of financial interest subsidies, tax incentives, incentives and other diversified investment mechanisms. Secondly, give play to the guiding role of financial funds. Be good at using fiscal policy, actively explore the use of subsidies, incentives, interest subsidies, tax incentives and other means to encourage and guide farmers to invest in endowment insurance, and realize the diversification of rural social endowment insurance investment subjects. Finally, mobilize the enthusiasm of county and township governments as the main body. Local and municipal financial departments should make use of fiscal policies and corresponding financial support, give play to the role of county and township governments in the new rural social endowment insurance, tap their own potential human, financial and material resources, and put an end to waste in the use of resources.

(three) improve the working mechanism, strengthen infrastructure construction, improve the service level.

There is an important correlation between the construction of basic agricultural insurance institutions and the development of agricultural insurance business. The development of agricultural insurance business will be relatively smooth if the grass-roots agricultural insurance institutions are sound, the personnel are tough and the handling funds are sufficient, and vice versa. For a long time, government departments and academic circles have focused on system innovation and improvement of implementation mechanism, but paid little attention to the construction of grass-roots agricultural insurance institutions, which will undoubtedly become an important factor restricting the pilot work of the new rural insurance.

First, expand and improve the staffing of county-level working institutions. The county-level government should increase the input of manpower, material resources and financial resources, and implement the staffing of county-level working institutions in accordance with the six requirements of "work, site, system, personnel, institutions and funds". The second is to improve the township social security management platform. The focus of social insurance handling business has shifted downward, and the social insurance platform has been extended to towns and villages, improving the rural insurance service network of counties and towns. Villages and towns should determine full-time staff in labor and social security offices and keep their staff relatively stable. The third is to establish a long-term mechanism to guarantee the funds of the new rural social endowment insurance, and ensure that all the personnel funds of social security agencies are arranged by the government budget, and no management fees are extracted from the fund. The fourth is to do a good job in business training. According to the needs of the work, ideological education and systematic business training are carried out to consolidate and improve the business level and ability of the new rural insurance managers and enhance their sense of responsibility. The development of rural social endowment insurance has a reliable talent guarantee.

(D) to further strengthen the propaganda work, improve public awareness of the new rural insurance policy.

The establishment of any system must be recognized by the public, otherwise it will not last long, and the internal basis of public recognition is ideological acceptance or psychological recognition, and the new rural insurance policy is no exception. Therefore, the government should make full use of TV, radio, newspapers, Internet and other news media and public opinion tools, and adopt a form that is popular with the masses to form an all-round publicity effect. In short, through extensive and in-depth publicity, farmers should be fully aware that participating in the new rural insurance can not only provide reliable protection for their later life, but also be conducive to family harmony and happiness, which is a manifestation of social progress. So that the vast number of rural residents have reached an ideological understanding, actively participated in the action, changed from passive to active, and changed from government guidance to conscious insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.