The overall level of endowment insurance is low.

It is reported that during the Eleventh Five-Year Plan period, China's social security system has made breakthrough progress, and the framework of the social security system has basically taken shape.

It is understood that, compared with the 11th Five-Year Plan, the 12th Five-Year Plan being formulated has a lot of ink on the social security, which needs to be obviously refined and enriched. This is closely related to the time limit for building a well-off society in an all-round way in 2020.

A few days ago, the reporter interviewed He Ping, director of Ministry of Human Resources and Social Security Institute of Social Insurance. He said that during the "Twelfth Five-Year Plan" period, China's social security will shift from the stage of large-scale system construction to a new stage of solidly promoting system refinement and achieving practical results. At the same time, the serious problems facing the development of social security are becoming increasingly prominent.

Hard requirements and hard indicators

"From the perspective of full coverage of the system, the large-scale system construction during the Eleventh Five-Year Plan period has greatly filled the original system gap." He Ping said that there is still a gap-the old-age security for unemployed elderly residents in cities and towns.

It is understood that at present, more than 40 cities across the country have begun to explore the implementation of old-age security measures for urban non-employed elderly residents, but there is no unified document at the central level. "During the Twelfth Five-Year Plan period, we only need to make up this institutional arrangement, so the pressure of institutional construction is not great," He Ping said.

It is understood that "one card" is an indicator requirement for improving the management and service capabilities of social security agencies during the "Twelfth Five-Year Plan" period.

Yin Weimin, Minister of Ministry of Human Resources and Social Security, publicly stated that he would vigorously promote the application of social security cards with unified standards and compatible functions, and strive to issue 800 million cards nationwide by the end of the Twelfth Five-Year Plan, based on the expected card issuance of 654.38 billion by the end of 2065.438+00, and strive to realize the "one card" at an early date.

"During the Twelfth Five-Year Plan period,' one card' is a hard indicator". He Ping said that by the end of the "Twelfth Five-Year Plan", social security information such as pension, medical care, unemployment and maternity of 800 million insured persons will be unified on this social security card. In cities with conditions, social security cards will also become "citizen cards" to achieve a wider range of electronic settlement functions.

Local divisions need to be broken.

"All-in-one-card" means all social insurance information "all-in-one-card", which is convenient for the insured to inquire about rights and interests records anytime and anywhere and enjoy social security services conveniently and quickly. On the other hand, this kind of "communication" is far from "communication with the whole world", but "communication with local people"-social security communication across provinces and cities, which still faces the long-standing problem of low overall planning level.

At present, most local medical insurance still implements municipal co-ordination, and the goal of provincial co-ordination seems to be quite far away. At present, medical insurance roaming across provinces and cities is mostly handled in batches in the form of "city agreement" The biggest obstacle to overall planning at the provincial level comes from the balance of local interests, which involves the interest game of "gain and loss" of government finances at the lower and higher levels.

Therefore, the "roaming" of medical insurance across provinces, cities and regions is not a technical issue but a system issue and an interest issue. However, with the further activity of talent flow during the Twelfth Five-Year Plan period, more only children will be employed in different places, and the realistic problem that medical insurance cannot roam in different places has become more and more prominent in front of decision makers at all levels.

Five social security problems to be solved urgently

He Ping said that compared with the goal of building a well-off society in an all-round way in 2020, the road ahead for social security development during the Twelfth Five-Year Plan and the Thirteenth Five-Year Plan is still arduous, with at least five major problems to be overcome, and each of them is a "hard bone".

First of all, the personal account of endowment insurance is empty. After the establishment of the unified account system in China, the funds in personal accounts were used to pay the current pension, forming a huge "empty account". Once the "pay-as-you-go" mode turns, empty accounts will greatly threaten the credibility of China's social endowment insurance system.

Secondly, reform the endowment insurance system of public institutions. At the beginning of 2008, the executive meeting of the State Council approved in principle the Pilot Program for the Reform of Pension Insurance System for Staff in Public Institutions, and five provinces and cities including Shanxi, Shanghai, Zhejiang, Guangdong and Chongqing started the pilot program. The pension reform involving 30 million "career people" was launched.

This reform involves many institutional changes, such as the classification reform of public institutions, the personnel management system reform of public institutions, etc., and the reform targets involve most "professional and skilled talents" in China, so the reform resistance and difficulty are great, and the relevant system design still needs to be run-in and improved.

The third is a special group represented by migrant workers and flexible employment groups.

Fourth, the social security fund has a low rate of return on investment and operation. In some places, the rate of return on investment and operation of social security funds is less than 2%, and there is no complete system on how to preserve and increase the life-saving money of ordinary people.

Fifth, effectively narrow the gap between urban and rural security. "It takes a long process to effectively narrow the security gap caused by the dual structure of urban and rural areas." He Ping said that generally speaking, only when industrialization reaches a certain level and farmers account for 15%-20% can they afford substantial subsidies to rural areas to bridge the gap between urban and rural security levels.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.