What is the new rural insurance fund in Anhui?

Policy Interpretation: The new rural endowment insurance is issued in 660 yuan and all over the country every year!

The State Council recently issued "Guiding Opinions on Launching the Pilot Project of New Rural Social Endowment Insurance", marking the official launch of the pilot project of new rural social endowment insurance in China.

How to embody fairness and tolerance?

This year, the pilot covers 10% of counties in China.

The basic model is consistent with the urban endowment insurance.

The relevant person in charge of Ministry of Human Resources and Social Security said that in 2009, the pilot of the new rural endowment insurance system will cover 10% of counties (cities, districts and banners) in China, and it will basically achieve full coverage by 2020.

The pilot adheres to the basic principles of "ensuring basic, wide coverage, flexibility and sustainability", which are mainly reflected in four aspects: first, starting from the reality in rural areas, starting at a low level, and the standards of financing and treatment should be compatible with economic development and affordability in all aspects; Second, individuals, collectives and governments share responsibilities reasonably, and their rights and obligations are compatible, which not only reflects fairness and inclusiveness, but also reflects personal and family responsibilities, and does not engage in pure welfare subsidies; Third, government guidance should be combined with farmers' voluntary participation, and farmers should be guided to participate in insurance generally through interest orientation and publicity and mobilization, and they should not be forced; Fourth, the central government determines the basic principles and major policies, and local governments formulate specific measures and implementation plans to implement territorial management for rural residents who participate in insurance.

"The new rural endowment insurance will implement the basic system model of combining social pooling with individual accounts." The person in charge said that the basic model of the new rural endowment insurance and the basic old-age insurance system for urban workers are the same, which is conducive to the transfer and convergence of the urban-rural endowment insurance relationship and adapts to the characteristics of large employment mobility of migrant workers and the development trend of urbanization. Establishing individual accounts for old-age insurance, paying more and paying more for a long time, is conducive to mobilizing farmers' enthusiasm for insurance and adapting to farmers' income differences.

How to form a personal account?

Including individual contributions, collective subsidies and government subsidies.

Individual contributions are divided into five grades, with a minimum of 100 yuan per year.

After the implementation of the new rural insurance, the insured farmers will have their own personal accounts. Individual contributions, collective subsidies and local government payment subsidies are all credited to individual accounts.

At present, there are five grades of individual payment, ranging from 100 yuan to 500 yuan. Local governments can also increase grades according to actual needs, and farmers can choose to pay fees according to their own conditions. The person in charge explained that 100 yuan is roughly equivalent to a little more than 2% of the per capita net income of farmers nationwide last year, which is suitable for the economic affordability of underdeveloped areas and low-income farmers; 500 yuan is roughly equivalent to 10% of the national farmers' per capita net income last year, but it is only equivalent to 5%-6% in developed areas, so farmers with higher incomes can choose.

At the same time, according to the Guiding Opinions, conditional village collectives should give appropriate subsidies to villagers' insurance contributions. This not only reflects the collective responsibility, but also helps to mobilize the enthusiasm of farmers for insurance. At the same time, considering that some rural collective economic organizations have been restructured, other economic and social organizations and individuals are encouraged to provide financial support for the insured.

Among the government subsidies, all the subsidies paid by local governments are included in personal accounts, so as to mobilize farmers' enthusiasm for participating in insurance and realize the goal of "wide coverage" as soon as possible.

How much pension can I get?

The minimum standard of basic pension is 55 yuan per person per month.

At the age of 60, you can receive it for life.

Basic pension consists of basic pension and personal account pension. Rural residents who have reached the age of 60 and have not enjoyed the basic old-age insurance for urban workers on a monthly basis can enjoy the basic pension paid by the new rural insurance fund for life.

At present, the basic pension determined by the central government is 55 yuan, and local basic pension standards can be raised on this basis where conditions permit. The national finance will pay farmers the minimum standard basic pension in full, which is a major feature of the new rural insurance. At present, farmers' income level is low, so that the sunshine of public finance can shine more on farmers, which is an important embodiment of promoting social fairness and justice.

Personal account pension is the accumulated amount of personal account divided by 139, which is an empirical coefficient calculated according to the average life span of the population over 60 in China at present. This algorithm is also the same as the current personal account pension algorithm of urban workers' basic old-age insurance, which is beneficial to the transformation and connection of migrant workers' pension rights.

When the new rural endowment insurance system is implemented, rural residents who have reached the age of 60 can directly enjoy the basic pension. Their children's insurance contributions are credited to their personal accounts for future pensions, not to their parents' accounts. If the age is less than 15, the annual payment is allowed, and the cumulative payment period shall not exceed15; If the age is above 15, the payment shall be made annually, and the cumulative payment period shall not be less than 15. "It is mainly to guide rural young adults to participate in insurance as soon as possible and pay for a long time, which is conducive to improving the level of protection."

How much is the financial subsidy?

The minimum government subsidy is 660 yuan per person per year.

High-level contributions and long-term subsidies can be more frequent.

"Both the central and local governments will increase investment in the new rural endowment insurance, which will not only supplement the' entrance' but also the' export'." The relevant person in charge of the Ministry of Finance said that the so-called "supplementary entrance" means giving financial subsidies in the payment of farmers' insurance; The so-called "export subsidy" means giving financial subsidies to the payment of pension benefits for the new rural insurance.

The central finance is mainly responsible for the "export supplement", that is, the basic pension part determined by the State Council, giving full subsidies to the central and western regions and 50% subsidies to the eastern regions. The subsidy base is 55 yuan per person per month, that is, 660 yuan per year. "In the future, this will become one of the biggest expenditure items of the central government."

The local financial subsidy policy is divided into two parts: "supplementary import" and "supplementary export". In terms of "supplementary entrance", there are three specific policies: First, the individual contributions of rural residents should be paid at least 30 yuan every year, which will be included in personal accounts as the base for calculating and distributing personal account pensions in the future. Second, in accordance with the principle of "overpaying and supplementing", local finance gives appropriate encouragement to those who choose higher-grade standard payment. Third, for groups with payment difficulties such as severely disabled people in rural areas, local finance will pay part or all of the minimum old-age insurance premiums on their behalf, which will also be included in personal accounts. "This provision can effectively solve the contradiction between the level of economic development, farmers' income and government financial resources in the pilot areas. "

There are also three ways to "replenish exports": First, the eastern region needs to arrange 50% subsidy funds for the basic pension uniformly determined by the State Council. Second, local governments can raise the basic pension standard according to the actual situation. Third, if the payment exceeds a certain number of years, the local government can appropriately increase the basic pension.

How to ensure the safety of the fund?

All included in the financial accounts of social security funds.

Working funds shall not be drawn from the fund.

The new rural endowment insurance fund is the "life-saving money" for the majority of insured farmers, and it is very important to ensure the safety of the fund. "Guiding Opinions" stipulates that the new rural insurance fund should be included in the financial special account of the social security fund, and revenue and expenditure should be managed separately and accounted for separately.

"This is a big difference between the new rural insurance and the old rural insurance in fund management." The person in charge said that individual contributions, collective subsidies and government subsidies at all levels are included in the financial account management as the new agricultural insurance fund, and all pension benefits are paid from the new agricultural insurance fund. At the same time, the funds for the new agricultural insurance work shall be reasonably arranged by the financial department at the same level according to the needs, and shall be included in the financial budget, and shall not be extracted from the new agricultural insurance fund.

At the same time, the relevant government departments will supervise the new rural endowment insurance fund according to their duties, and will also strengthen social supervision, regularly disclose information, and publicize it within the administrative villages every year to prevent risks such as misappropriation and fraud. In addition, China will also establish a national unified information management system for the new rural insurance, and vigorously promote social security cards in view of the scattered living characteristics of farmers, so as to facilitate the insured farmers to pay fees, receive benefits and inquire about the insurance information at any time.

(Source: People's Daily-People's Daily)

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