What is social pooling?

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Social pooling refers to the unified collection, unified management and unified adjustment and use of social insurance funds by social insurance agencies in a large scope according to law.

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Social pooling of retirement expenses

Social pooling fund income

Social pooling fund expenditure

Edit the characteristics of this paragraph

This system adopts the traditional basic endowment insurance fund raising mode, that is, it is shared by the state, units and individuals; The basic old-age insurance fund implements social mutual aid; On medical insurance in the calculation and distribution of basic pension

The structural calculation method is used to emphasize the incentive factors and labor contribution differences of individual account pension. The basic old-age insurance is enforced by the state, and its purpose is to protect the basic needs of retirees.

Edit the social pooling of retirement expenses in this paragraph.

Coordination of work and front-line command have well solved the problem of "more than five" and effectively prevented work conflicts and waste of resources. Carry out the activities of "learning, using and abiding by the law", constantly strengthen the awareness of laws and regulations of leading organs, improve their ability to handle affairs according to law, and effectively prevent the "five excesses" problem. A number of business work and temporary motions that were not handled according to procedures were stopped, which better reduced the fuss at the grassroots level. Social pooling of retirement expenses is an important part of the social endowment insurance system, which refers to the system of unified collection, unified management and unified adjustment of retirement expenses by social insurance management institutions within a certain range. The specific measures are: changing the way that enterprises bear their own retirement expenses, and collecting retirement expenses from enterprises and employees by social insurance institutions or tax authorities according to a certain calculation base and extraction ratio to form a retirement fund managed by society; The retirement expenses of enterprise employees are paid directly by social insurance institutions, or by banks, post offices and enterprises, so as to balance and reduce the burden of retirement expenses of enterprises and create conditions for equal competition among enterprises. With the improvement of socialization, retirement fees are not only adjusted between enterprises in cities and counties, but also between regions, and gradually transferred from cities and counties to the provincial level.

Edit the income of the social pooling fund.

Refers to the social pooling fund paid by the units included in the scope of basic old-age insurance according to the payment base and proportion stipulated by the state, and the income that forms the source of the fund obtained by other means, including: social pooling fund income paid by the units, financial subsidy income, interest income and other income.

Edit the social pooling fund expenditure in this paragraph.

Refers to the pension, funeral pension subsidy, insurance relationship transfer and the payment of upper and lower pensions paid from the social pooling fund to the retired and resigned persons who participate in the basic old-age insurance in accordance with the expenditure scope and expenditure standards stipulated by the national policy.

Expenditure due to the transfer of funds between levels. Including: basic pension, transitional pension, retirement fee, severance payment, subsidy, funeral pension subsidy and other expenses. The basic old-age insurance system in China implements the mode of combining social pooling with individual accounts. The contribution ratio of enterprises is about 20% of the total wages, and the contribution ratio of individuals is 8% of their own wages. Part of the basic old-age insurance premium paid by the enterprise is used to establish the overall fund, and part of it is included in the personal account; The basic old-age insurance premiums paid by individuals are included in personal accounts. Basic pension consists of basic pension and personal account pension. The basic pension is paid by the social pooling fund. The monthly basic pension is 20% of the average social wage of employees, and the monthly personal account pension is1120 of the accumulated amount of personal account funds.

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