Rural pension insurance is also known as the old farm insurance, rural people should buy themselves a social security or not?

The old rural insurance is a kind of rural non-urban household residents as the object of insurance pension insurance policy. The basic principles of rural old-age insurance are: ensure that the level of productivity development and all aspects of rural affordability in line with the level of social old-age insurance and family rearing, soil to ensure that their social welfare and other means of close integration; the rights and obligations of the relative nature of the same; the efficiency of the first, taking into account the fairness of the first; their own to ensure that the dominant, the group to assist the transfer of our country to the support of the policy, the Government and the organization of the close integration of the farm households themselves.

China has the world's largest elderly population, of which 75 percent are in rural areas. According to surveys, there are still some rural people who are not covered by social security. In 1998, only 41 percent of the country's towns and villages had a social security network, and 20 percent of the villagers' committees had a social security fund. China's urban workers have risen from less than 200 million at the time of China's reform and opening up to more than 200 million today. Despite the fact that many of them work in the cities, the pension insurance policy is not very sound, resulting in the peasants who go to the cities to work, neither contributing to the rural pension insurance, neither contributing to the pension insurance. But because the rural pension insurance is usually deposit attribute, to the individual farmers pay as the dominant, group subsidies to assist, the fund operation is not compliant, to ensure that the level is not too high, the farmers to pay the fee is not initiative.

The emergence of rural social security means that rural pension insurance into a new stage of development

New rural pension insurance why is called rural social security, as opposed to the previous implementation of rural pension insurance across the country to speak of the new insurance model. Rural social security compared with the old rural insurance, with two very obvious characteristics. First, the structure of raising funds is different. The old rural insurance is usually paid by the farmers themselves, which is actually their own deposit. The essential difference between rural social security is that individual contributions, group subsidies and government grants are closely integrated, which are three financing channels; secondly, the old rural insurance is usually created by the farmer's account, while the rural social security in the structure of the transaction is two major categories: one part is the old-age pension, and the other part is the personal account of the old-age insurance fund. The old-age pension is collected by the State Finance Bureau all ensure.

Residents' pension insurance is based on the inheritance and development of rural social security.

Contrasted with the old rural insurance, rural social security, 2014 gradually established a unified residents' pension insurance, usually the original urban residents' pension commercial insurance, new-style rural pension insurance combined and created, its payment method, government subsidies current policy, the calculation of pensions, and rural social security and are not very different. But the comprehensive level is getting higher and higher, attributed to the local municipal level, the fund operation is more standard, is through the unified management and operation of the residents' pension insurance stock fund, the scope of payment of social security is more increased, covering all the urban residents who do not participate in the urban pension insurance, is an important link in my multifaceted social security system.

At this stage, the participation rate of residents' pension insurance is very high, for those who have to pay the urban pension insurance work, are able to pay the residents' pension insurance. Because the urban area payment method is more efficient, more payment levels, the choice is very large. Today's minimum payment norms, only 300 yuan per year, and our country also need to give the corresponding subsidies, the highest payment norms today basically in the 3000 yuan to 5000 yuan or so, at this stage, Beijing's highest payment norms have long been raised to 9000 yuan per year, more suitable for urban residents in the population of different income to choose. The village people as long as you hold this identity document, can apply for payment in the place of household registration, payment for 15 years, do 60 years old can receive old age pension.

Should village people buy themselves a personal social security?

In fact, the meaning of social security not only covers social pension insurance, but also includes health insurance. But this personal social security mainly refers to the narrow sense of personal social security, the actual refers exclusively to social pension insurance. China's rural areas for thousands of years so far, farmers have never enjoyed the pension insurance benefits, with the help of the land resources pension services, succession is the village people once upon a time the old age model. In fact, the design of rural pension insurance regulations also take into account the land factor, land resources that is the lifeblood of farmers, but also an extremely important factor of production, with the help of land resources pension service is not only reasonable in the past, but also in the future will continue to be included in the commercial insurance management system. Along with the progress of the times, the concept of old age change, many villagers personal social security concept significantly improved.

In the countryside, the prevalence of health insurance basically 100%, in the part of the social pension insurance, where in the implementation of rural social security rules and regulations, reach the age of 60 years of age of farmers can receive the state's free premise of the pension insurance fund, most of the areas of the premise of the pension insurance fund is only 100 diversified per month, but each year there are also 1,000 diversified in the rural areas of our country, just a lot of places. In the rural areas of China, many places have just announced the environment of poverty alleviation and enrichment, every year 1000 kinds of pension insurance fund is still quite useful, the elderly have this money, basically will not reach out to their children to ask for more money, and this is also the rural elderly people can freely choose to put the money. The village people who work outside needless to say, the first batch of people who work have long been retired to their hometowns, living a life of old age; at present still in the rural farming people, there are many people who are purchased the social pension insurance, many people have received the old age pension.

Overall, the village people in the end need to buy a personal social security, now is not the need for the problem, and has become the vast majority of the village people's **** knowledge, not only have applied for old age pension insurance, but also for old age insurance. Regardless of which kind of social pension insurance, at least at present is the concept has long been shaped down, cost-effective has long been felt, the benefits have long been tasted, and is still exploring whether or not to buy social security puzzle seems to have been outdated.