Which is more cost-effective to pay social security or agricultural insurance at one's own expense?

Legal analysis: self-funded agricultural insurance is cost-effective. Analysis of paying social security and rural insurance at their own expense: 1, capital adjustment, Fu Bao of the Social Security Bureau basically adjusts capital every year, while rural insurance rarely adjusts capital. After a few years, social security funds will exceed rural insurance, so social security is more cost-effective; 2, the time of collection, social security receives funds five years earlier than rural insurance, so social security is more cost-effective than rural insurance; 3, payment flexibility, social security lacks payment flexibility and must be paid within the specified time, while rural insurance is paid according to the economic situation at that time, so it is more cost-effective in this respect.

Legal basis: Article 64 of People's Republic of China (PRC) Social Insurance Law includes basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. In addition to the basic medical insurance fund and maternity insurance fund, other social insurance funds are accounted for separately according to the types of social insurance. Social insurance funds implement a unified accounting system throughout the country. The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.