Rural residents' awareness of social insurance is not strong

Only the people are the foundation, the foundation is solid state peace". The core of the scientific concept of development is people-oriented. In the study and practice of the scientific concept of development activities, the purpose is to focus on solving the people's livelihood problems reflected by the people. The new rural social pension insurance system is to take the individual, the collective and the state tripartite financing, pension for the elderly to provide economic help and services to protect their basic life of a system. The city's large agricultural population, farmers' old age has been a pressing issue, the establishment and promotion of a new rural social pension insurance system, is the implementation of the scientific concept of development to build a new socialist countryside and the construction of a harmonious society is a major initiative.

I, promote the construction of rural social security system is the implementation of the scientific concept of development of the concrete action

1, the construction of rural social security system, is to improve the urban and rural social security system of the urgent requirements. Rural social security is an extremely important part of the social security system, but by the traditional urban-rural dual structure model, China's urban and rural development is extremely unbalanced, the former old rural insurance system exists to protect the low level of government subsidies, collective subsidies, and many other problems. The new rural insurance system is a reform and improvement of the old rural insurance system, and is an important part of the State's efforts to further improve the social security system in accordance with the policy of "broad coverage, basic protection, multi-level and sustainability". The transfer of the new rural insurance system to the pension insurance system for urban enterprises and workers provides more choices and a higher level of protection for the majority of farmers. Practice has proved that the new rural insurance system has obvious superiority compared with the old rural insurance system, and has a strong vitality. Do a good job of the new rural insurance work, not only is conducive to improve the social security system, larger fund size, more conducive to protect the majority of farmers in their old age.

2, sound rural social security system is to accelerate the objective needs of rural economic development. Improve the rural social security system, the implementation of the new rural insurance policy, can systematically ensure that reduce the burden on farmers, improve farmers' income, relieve farmers' worries, provide life security system. The development of the new rural insurance system, can be in the traditional way of old age, to promote the construction of the system of rural society, promote the coordinated development of rural material and spiritual civilization and other aspects, it can be said that the establishment of a new rural insurance system to improve the rural social security system is to realize the rural urbanization of the creative practice of the rural areas of the reform and development of rural areas to promote stability has important practical significance.

3, accelerate the establishment of the city's rural social security system is to promote the process of rural urbanization is an important guarantee. At present, the city's rural urbanization level although there has been a greater increase, but there is still an obvious gap. The dual structure of the city, so that farmers in employment, social security and other aspects of the different status is still different treatment, which seriously constrains the process of rural urbanization. So only the rural population to achieve social security, with modern social security system to replace the traditional social security system, a new way of old-age security, for farmers to enter the town security system is well prepared, so as to further promote the process of rural urbanization, will make the new rural old-age pension insurance can grow and develop.

Two, how to promote the construction of the city's rural social security system

1, strengthen the government's responsibility

The establishment of government subsidies and the government's diversified financing mechanism. The original rural insurance is actually a change in the financing mechanism from individual contributions to individual contributions, collective subsidies and government subsidies for the three parties to share the premiums. In practice, the financial sector should form a variety of subsidies to insured farmers. The calculation of subsidies is basically divided into two types: flat-rate subsidies and proportional subsidies. Flat-rate subsidies are generally based on the principle of age: the older ones make up more, the younger ones less. For example, Rugao city stipulates that the municipal finance through direct subsidies or transfer payments in the form of 35 yuan per person included in the financial budget. 2008 the city put forward the contribution base, the proportion of contributions, is the average per capita net income of farmers in the previous year as the base. Individual contribution rate of 10% of the contribution base, the municipal finance and then 10% of the total amount of individual contributions as a subsidy. At the same time, to encourage the conditions of the village collective economic organization in the collective public welfare fund to give 5-10% subsidies into the individual account part.

2, the system mode from the original full individual account mode, gradually shifted to a combination of individual account and integrated account mode

Generally, the individual contribution part of the individual account; financial subsidies were all the way into the individual account, part of the way into the individual account, as well as the establishment of a special account of financial subsidies in three ways. In comparison, all the way into the individual account, more in line with the farmers' insurance psychology, the enthusiasm to participate in the insurance is also higher, is the current practice adopted by the local more; and the city will be used is the combination of the unified account, this way to facilitate the future with other pension security system, which also represents the direction of one of the development in the future; and at the same time to speed up the establishment of the old rural insurance account to the new rural insurance account transfer measures and methods.

3, to establish a reasonable funding base and funding standards, the establishment of dynamic contribution growth mechanism, to ensure that the farmers' retirement pension treatment can protect their basic life.

The city's old rural insurance contribution standard is required to voluntary principle, there is no specific standard; and now in order to effectively improve the rural residents of old-age life treatment, must be the annual contribution level of old-age insurance to a reasonable contribution base, measured expected to receive old-age insurance pension, which pension that is not less than the city's rural minimum subsistence guarantee standard. The contribution standard is based on the proportion of the net income of farmers in the previous year as the contribution base, so the change in the contribution standard can also raise the change in the standard of receiving.

Three, the city's rural social security system in the process of building the difficulties and problems

One is the farmers' awareness of the insurance needs to be further enhanced. Farmers to participate in social insurance awareness is not strong, especially young farmers, the problem of old age has not yet attracted attention. At present, most of the insured are over 50 years old. In addition, due to the imperfections of the previous rural social pension insurance system and the repeated reductions in national interest rates in previous years, the standard for receiving benefits is on the low side. Therefore, farmers need to have a process of trust and acceptance of the new rural insurance, but from the new rural insurance collection in 2008 we see the hope of the new rural insurance.

The second is that the degree of importance of the towns to be further improved. Township center work more, "two" construction, investment mission, involving a lot of energy, so some towns do not pay enough attention to the work of the new rural insurance. There are towns that agricultural insurance work is the labor security department, and townships have little to do with the lack of initiative. Caused by the towns to promote the progress of the new rural insurance varies.

Third, the rural social security system of policy to be further improved and strengthened.

First, the city's financial subsidies should be further increased, the town and village levels should also be appropriately subsidized, so that the majority of farmers believe that the financial subsidies are very cost-effective, very real, and can actively participate in the insurance.

Secondly, the specific provisions of the rural social security system should be improved to make it clear that the old-age pension benefits will increase according to the growth of the economy, the price index and the growth of the rural low income standard. Because farmers are not clear about whether they can grow, how often they can grow, and the criteria for each increase, they have no idea, and it is recommended that a hard and long-lasting mechanism for transferring funds be introduced.

Third, the need to further strengthen the rural social security system team building, increase financial investment. The agency, the towns generally reflect the construction of rural social security system is not enough funding, the town finance can not come up with funds to solve the expansion of rural social pension insurance to promote the work. Village and group cadres also believe that there is no funding subsidy for the new rural insurance system and that they have to do the work on a household-by-house basis, so their motivation to work has been greatly affected. Therefore, the appropriate solution to the problem of funding to give incentives is also a concrete embodiment of scientific management.

Four, accelerate the construction of the city's rural social security system of specific measures

1, increase publicity. In Dafeng radio, television, newspapers and other news media, opened a new rural insurance publicity column, organized special reports on activities, timely publicity of the new rural insurance policy, typical examples and work experience; organization of the compilation and printing of the "new rural insurance Q&A", to the city's rural residents of a letter, "100,000 copies, distributed to the village group, households, by the (village, residence) posted in the village affairs bulletin boards and densely populated areas of conspicuous parts; town (district), the city's rural social security system, the city's social security system. The towns (districts, streets) combined with their own reality, the use of mobile propaganda trucks, policy and business consulting desk, radio and television broadcasts regularly, as well as slogans, banners, columns, display boards and other forms of all-round, bombarded publicity; to carry out publicity and research activities for the new rural insurance. In view of the new situation and new tasks facing the construction of new rural areas and the promotion of new rural insurance, the grass-roots practitioners were organized to seriously summarize the characteristics of the local new rural insurance promotion work and successful practices, and to form a batch of quality papers and research reports, reflecting the local situation and practice in a timely manner, so as to facilitate the in-depth promotion of the work of the new rural insurance and the further improvement of the system.

2, increase administrative thrust. The whole society is learning and practicing the scientific concept of development, in order to learn the results of the real embodiment of the livelihood issues, to solve the rural residents, "a sense of security" goal, the Government should first continue to implement the new rural insurance system into the people to do practical things for the people of one of the important indicators. In addition to the towns, districts issued mandatory task indicators, but also to improve the corresponding assessment system, increase the assessment of the cash approach, and the organization of a special inspection team to the towns, districts to carry out work progress supervision, while the results of the supervision of the announcement to the specific data reflecting the position of each place in this work on the ranking of the situation. To form a city-wide long-term assessment mechanism of these work elements, as a way to promote the attention of the leadership of the departments, improve the enthusiasm of the town work.

3, to relax the senior living allowance approach. In order to increase the enthusiasm of the general public to take out insurance, we further improve the old-age subsidy system, simplify the handling procedures, improve the efficiency of this work. The city's towns within the scope of as long as the enjoyment of the conditions set out in the approach to the elderly, one member of the family to participate in the new rural insurance can be declared an elderly person to apply for old-age subsidies, so that the majority of farmers actually feel the Party and the Government's measures to benefit the people.

4, accelerate the old rural, urban insurance transition convergence approach. The new basic rural pension system framework is basically consistent with the basic pension insurance system for urban workers. All are based on age and relative contribution standards for participation in the insurance, we through the adjustment of the contribution base, the establishment of transfer funds and fund settlement system and other measures, and gradually realize the new rural pension insurance and urban workers basic pension security system policy convergence.

5, the work of the funds into the treasury. The number of participants accounted for half of the city's social security objects of agricultural insurance is the only non-financial allocation unit, not to mention the rapid development of agricultural insurance business, even their own survival is difficult. Therefore, in the city to achieve "old age" coverage of the new agricultural insurance, there must be a stable solidarity agricultural insurance team, the future of agricultural insurance funds together to participate in the financial accounting, not only can solve the worries of the future development of agricultural insurance, but also allows the financial sector to have a more active and a clear understanding of the situation of agricultural insurance, which is on the future of agricultural insurance business to increase the corresponding administrative thrust has a decisive advantage.

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