How to expand the coverage of social insurance and raise funds?

The expansion of social insurance and fund collection have always been the focus and difficulty of social insurance work. According to the work plan, the expansion of social insurance will be strengthened in 2008, ensuring that the number of people participating in basic old-age insurance will reach 208 million, the number of people participating in basic medical insurance for employees will reach1880,000 (including 40 million migrant workers), the number of people participating in unemployment insurance will reach11800,000, and the number of people participating in industrial injury insurance will reach/kloc-0. At the same time, strengthen the collection of social insurance premiums, and ensure that the income from the collection of pension, medical care, unemployment, work injury and maternity insurance funds in 2008 will reach 690 billion yuan, 225 billion yuan, 43 billion yuan, 654.38+063 billion yuan and 8.7 billion yuan respectively. To this end, the following measures need to be taken: First, focus on migrant workers, employees of non-public economic organizations and urban flexible employees to participate in social insurance. First, expand the coverage of social insurance for migrant workers. Implement the "Safe Plan", basically realize that all coal mines, non-coal mine enterprises and most construction enterprises participate in industrial injury insurance, promote migrant workers in service industries such as commerce, catering and accommodation and central enterprises to participate in industrial injury insurance, and do a good job in the three-year implementation evaluation of the "Safe Plan". Continue to carry out special actions for migrant workers to participate in medical insurance, and study and solve the convergence problem of migrant workers participating in different medical insurance systems. Second, for non-public economic organizations to participate in insurance, mainly from the system, procedures, penalties and other aspects to strengthen law enforcement, improve the compulsory participation rate. Third, various regions have stipulated in principle the participation of flexible employees. The key is how to strengthen incentives and guide flexible employees to take the initiative to participate in insurance. Fourth, for enterprises with difficulties in participating in insurance, we can study and formulate special policies, appropriately lower the payment standard, and correspondingly lower the treatment level (for example, only establishing the basic medical insurance pooling fund), and do a good job in linking relevant policies. Second, speed up the reform and improve the collection and payment system of social insurance premiums. It is an important task to improve the social security system at present to strengthen the collection and management of funds, ensure safety and realize the preservation and appreciation. From 65438 to 0999, the State Council promulgated the Interim Regulations on the Collection and Payment of Social Insurance Premium, which stipulated the collection scope, management, supervision, inspection and punishment of social insurance premium. However, there is no uniform regulation on the collection system. Some places are collected by social insurance agencies, and some places are collected by tax authorities, that is, the "double collection" system is maintained. From the perspective of regional distribution and total payment, at present, the two methods account for roughly half each. The "double collection and payment" system is not conducive to the establishment of a unified national social insurance administrative management system, which hinders the improvement of the overall level of social insurance and the formation of a unified national labor market; It is also easy to cause a series of problems such as poor coordination between the two departments, insufficient data sharing and increased management costs. These problems must be solved by improving the system and mechanism. First, the unified collection and payment of five social insurance premiums has been realized. This can enhance the compulsory participation, unify the payment base of all kinds of insurance, help to maximize the integration of existing social insurance information resources, realize the sharing of all kinds of insurance resources, greatly reduce the manpower and material resources for the development of various insurance business information systems, reduce the workload, improve the efficiency of social insurance handling, and facilitate the insured units and individuals to handle business. The second is to establish a multi-sectoral cooperation mechanism. Establishing a clear and effective cooperation mechanism can reduce departmental friction, improve collection efficiency and reduce collection costs. It is necessary to strengthen the construction of data sharing mechanism between social insurance and taxation, auditing, statistics, finance and supervision departments, especially to strengthen the cooperation between social insurance and taxation and finance departments in the verification of payment base and the collection of self-employed premiums. When conditions are ripe, it is necessary to unify the collection and payment system of social insurance premiums in time. The third is to promote the pilot work of improving the collection and management methods of social insurance premiums. Combined with the implementation of endowment insurance for migrant workers, the collection and transfer of endowment insurance premiums for migrant workers are carried out by using the treasury networking system and payment and settlement system of the People's Bank of China. Select some areas to carry out pilot projects to improve the collection and management methods of social insurance premiums. Standardize the social insurance payment base, comprehensively strengthen the collection and audit work, and explore a new mode of using computer audit software to carry out audit work. The fourth is to increase penalties for illegal acts such as default. If the employer fails to pay or fails to pay the social insurance premium in full, the social insurance premium collection agency may deduct the social insurance premium from the account opened by the unit in the bank with the consent of the competent department. For those who fail to pay in full and provide guarantee, the social insurance fee collection agency may apply to the people's court to detain and seal up the property with corresponding value, and use the proceeds from auction to offset the social insurance fee. Third, strengthen the supervision and management of social insurance funds. In recent years, the scale of social security funds has grown rapidly, the management system has been continuously improved, the security of funds has been gradually improved, and the overall situation of fund management is good. However, there are still some places where national policies and regulations are not strictly implemented, and the problem of irregular management of social security funds is more prominent, and some even occupy and misappropriate funds. Therefore, it is necessary to further strengthen the supervision of funds. It is necessary to improve and standardize the fund management process and the internal control system of social insurance agencies, establish an internal control operation evaluation system, and realize the whole process monitoring of various businesses and links. Carry out special inspections on the management of individual account funds and various social insurance funds for basic old-age insurance for enterprise employees. Establish and promote the social insurance information disclosure system. Promote the construction of social security supervision committees and enrich the strength of supervision institutions. Improve supporting policies and strengthen the supervision of enterprise annuities and national social security funds. Among the social insurance funds, the endowment insurance personal account fund belongs to the long-term accumulation fund. Whether it can preserve and increase the value directly affects the security level of employees after retirement, and also relates to their future ability to pay. With the gradual realization of personal accounts, it is necessary to formulate fund investment management measures, which not only support the development of the capital market, but also ensure better returns and avoid fund depreciation. Fourth, ensure that all social insurance benefits are paid in full and on time. Do a good job in the adjustment of the basic pension for enterprise retirees in 2008, timely allocate the central financial subsidy funds, increase local financial support, strengthen fund allocation, ensure the issuance of additional pensions to retirees before the Spring Festival, consolidate the results of current payment without arrears, and reissue historical arrears as soon as possible. Do a good job in the adjustment and distribution of unemployment insurance standards, and ensure that medical, work-related injury and maternity insurance benefits are paid and settled according to regulations.