The difference between social security and new rural insurance

1. Social security guarantees urban employment groups, and agricultural insurance guarantees rural residents groups. 2. The main funder of social security is the employer, and the main funder of rural insurance is the government. Social security is compulsory according to national laws and regulations, and rural insurance is voluntary participation of farmers.

Legal analysis

1, the object of protection, the basic old-age insurance for urban workers is to protect urban employment groups. However, the new rural endowment insurance protects rural residents. 2. Financing structure, which is the most important point. The main fundraiser (payer) of the basic old-age insurance for urban workers is the employer, and the bulk of the payment, of course, individuals also have to pay. The main payer of rural endowment insurance (new rural endowment insurance) is the government, which gives basic pensions to the elderly and subsidies to the young and middle-aged, which is different from that in cities. 3. Flexibility of insurance payment. One of the new rural insurance policies is not included in the basic old-age insurance for urban workers. This principle is "flexibility". Generally speaking, the basic old-age insurance for urban workers is not flexible in terms of the proportion of contributions, eligibility and payment standards. New farmers keep a principle called "flexibility". For example, the designed payment standards range from 100 to 200, 300, 400 and 500 yuan. Farmers can choose according to their own income level, and at the same time allow local governments to increase the payment standard, which can be increased upwards or downwards. This is to adapt to the fact that the economic development is unbalanced and the income level of farmers is quite different. Therefore, we must be flexible and not across the board. 4. Voluntary and compulsory, the basic old-age insurance for urban workers is compulsory according to the provisions of national laws and regulations, and employers, employers and employees, including individual workers, must pay in accordance with the regulations. Rural endowment insurance emphasizes the principle of voluntariness, and farmers participate voluntarily. This is also the government's guidance according to the actual situation in rural areas at this stage, but it does not engage in mandatory orders.

legal ground

People's Republic of China (PRC) social insurance law

Article 1 This Law is formulated in accordance with the Constitution for the purpose of adjusting the social insurance relationship, safeguarding citizens' legitimate rights and interests in participating in social insurance and enjoying social insurance benefits, enabling citizens to enjoy the fruits of development and promoting social harmony and stability.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.