What is the specific difference between the social security of urban residents and the social security of urban workers? I hope you can talk about it in detail.

Five differences: 1. Protect different objects. The basic old-age insurance for urban workers is to protect urban employment groups; The new rural insurance guarantees rural residents, while the social endowment insurance for urban residents guarantees urban non-employed residents.

2. The implementation intensity is different. The basic old-age insurance for urban workers is mandatory according to the provisions of national laws and regulations, and employers, employers and individual workers must pay in accordance with the prescribed payment base and proportion; The endowment insurance for urban and rural residents emphasizes government guidance, and the government subsidizes urban and rural residents to actively participate in the insurance.

3. The payment standard is different. The new rural insurance policy is "flexible", which is not available in the basic old-age insurance for urban workers. In the basic old-age insurance for urban workers, there is not much flexibility in the prescribed payment ratio, eligibility or payment standard. New farmers keep a principle called "flexibility". For example, the designed payment standard is from 100 yuan to 500 yuan. Farmers can choose according to their income level, and at the same time allow local governments to increase the payment standard, which can be raised or lowered. This is to adapt to the actual situation of unbalanced economic development and large differences in farmers' income levels, and not to engage in "one size fits all".

4. Different financing structures. The fundraiser of the basic old-age insurance for urban workers is the employer. Although individuals have to pay fees, the main part is paid by employers. The main investor of the new rural endowment insurance is the government, which gives basic pensions to the elderly and subsidies to the young and middle-aged. The biggest difference is the third-party financing structure, which is not limited to the collective economy. The state also encourages other economic organizations, social welfare organizations and individuals to provide financial assistance to the insured.

5. The overall planning mechanism is different. The payment of the employer of the basic old-age insurance for urban workers is included in the social insurance pooling fund, not included in the individual old-age insurance account. Therefore, if the insured pays by flexible employment, 60% of the individual contributions will be included in the social pooling fund, and only 40% will be credited to the personal account of my old-age insurance. However, the endowment insurance for urban and rural residents is not co-ordinated, and individual contributions, government subsidies, collective subsidies and subsidies from others are all credited to my personal account for endowment insurance.

To put it simply: enterprise employee insurance is compulsory. It is borne by the big head of the enterprise, and the small head of the individual bears the insurance premium. City insurance is voluntary, and individuals choose the payment grade to pay insurance premiums. The low-level security supported by the government aims to cover the whole society.