The Present Situation of Social Endowment Insurance in China

In 20 14, the coverage rate of China's social basic old-age insurance reached 80%.

On June 30th, Ministry of Human Resources and Social Security released the annual report on the development of social insurance in China 20 14. This is the first time that the social insurance system construction, management and operation, handling services and other aspects have been comprehensively, systematically and objectively released to the public in the name of government departments, which indicates that China's social insurance information disclosure has gradually entered an institutionalized and standardized track.

842 million people participated in the basic old-age insurance, and the phenomenon of interruption of payment increased.

According to the report, by the end of 20 14, the total number of employees and urban and rural residents participating in the basic old-age insurance reached 842 million, of which 229 million received the basic pension. Excluding 1.6 children and school students, the number of people eligible for insurance is about1.500 million. Judging from this, the overall coverage rate of basic old-age insurance for employees and urban and rural residents has reached about 80%.

By the end of 20 14, the number of people participating in the basic old-age insurance for urban workers had reached 341240,000, an increase of19.06 million or 5.9% over the end of last year; Compared with the end of 2009, it increased by 6.5438+0.0574 million, with an average annual growth rate of 7.7%. However, the "Report" also shows that the proportion of the actual contribution of enterprise employees' pension insurance to the insured employees is declining. In 20 14 years, the number of employees paid by enterprises was194310 million, an increase of 4.7 million compared with 20 13 years, accounting for 8 1.2% of the number of employees insured, compared with 20 13.

According to the analysis of the report, there are three main reasons for the decline in the proportion of the number of contributors to the number of insured employees. First, there are many interruptions in the payment of difficult groups, mainly because some individuals and flexible employees have low and unstable incomes. Second, some people don't know enough about the policy of "overpaying for more, overpaying for a long time", and they are unwilling to continue to pay after the accumulated payment period of 15. Third, some people failed to continue the old-age insurance relationship in time in the process of employment in different places, so even if they have been insured in the new employment place, they may be counted as interrupted payers by the original insured place.

Tang, director of Ministry of Human Resources and Social Security Social Insurance Management Center, said that the increase in the number of people who stopped paying was also affected by the economic downturn to some extent. Some enterprises and industries have suffered some impacts, and some enterprises have reduced their employment. Ministry of Human Resources and Social Security will take measures to reverse this situation. First of all, we should actively study how to improve the relevant policies of endowment insurance, including the policy of transferring and continuing the endowment insurance relationship, so as to attract and encourage more enterprises and individuals to participate in or continue the endowment insurance relationship. We will improve the calculation and adjustment methods of pension insurance benefits, and encourage more people to pay more in the long term. Secondly, in order to avoid more interruption of payment, the human and social departments will increase their support for people with payment difficulties, such as implementing the social security subsidy policy. In addition, strengthen social security audit and law enforcement inspection, and intensify law enforcement inspection in accordance with the mandatory requirements of the Social Insurance Law for all kinds of personnel to participate in social insurance, so as to ensure that the insured personnel can continue the pension insurance relationship in time when they move to private enterprises and small and micro enterprises.

"The publicity of social security contributions should also be strengthened. Some people have paid 15 years, but they don't pay if they think they can get a lifelong pension. It is true that these insured people can receive a monthly pension after reaching retirement age, but if they pay less, they will definitely receive less. In the future, we will continue to raise the awareness of enterprises and employees. " Tang said to him.

Enterprise pension has maintained an average annual growth rate of 10.8% in recent five years.

The report disclosed the replacement rate of enterprise pension for the first time. Replacement rate refers to the ratio of the level of receiving pension to the level of pre-retirement wage income, and is an important indicator to measure the level of living security before and after retirement. In 20 14 years, the monthly per capita pension of enterprise retirees is 206 1 yuan (the monthly per capita pension of retirees is 4664 yuan), and there is no default in payment in the current period. In 20 14 years, the pension replacement rate of enterprise retirees was 67.5%, which was 1.5 percentage points higher than that of the previous year and basically the same as that in 20 10 years (67.6%).

According to the report, in 20 14 years, according to the unified deployment of the State Council, the pension adjustment of enterprise retirees was implemented for the tenth consecutive year, and the monthly per capita pension of enterprise retirees reached 2,050 yuan, an increase of 10.5% over the previous year, and an increase of 825 yuan and 67.3% respectively over 2009. Although the enterprise pension has maintained an average annual growth rate of 10.8% in recent five years, some research institutions have always believed that the replacement rate of enterprise pension in China is low or lower than international standards.

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