In layman’s terms, this is what it means.

This only refers to elderly care, but medical care does not mean this.

Rural insurance means that the administrative department is responsible for the organization and management. Rural economic organizations, collective institutions and workers from all walks of life jointly bear the obligation to pay pension insurance premiums. When workers get old, they will The rural social security system is a rural social security system that enjoys basic pension insurance benefits according to the payment status of pension insurance premiums. [1]

Chinese name

Rural Insurance

Responsible

Administrative department

Assured

Obligation to pay pension insurance premiums

Types

Social security system

1 Rural Insurance Summary Editor

China’s Rural Insurance The work began to be explored in 1986 and piloted in 1991. By the end of 2003, 1,870 counties (cities, districts, banners) in 31 provinces (cities, autonomous regions) across the country had carried out agricultural insurance work to varying degrees, with an accumulated insurance fund of 25.94 billion yuan and 54.28 million farmers participating in the insurance. Among them, 1.98 million farmers received pensions, and 1.5 billion yuan was paid in pensions that year. By the end of this year, the accumulated insurance fund is expected to exceed 40 billion yuan (including the accumulated pension security fund for landless farmers), and about 2.2 million people will receive pensions.

Rural Insurance

The Party Central Committee and the State Council attach great importance to the work of "agriculture, rural areas and farmers" and the coordinated development of urban and rural areas. Based on reality, actively promoting the establishment of a rural social pension insurance system in areas with conditions is the solution. Important content of the “three rural” issues.

It is necessary to fully implement the spirit of the 16th National Congress of the Communist Party of China and the Third and Fourth Plenary Sessions of the 16th Central Committee, in accordance with the requirements of coordinating urban and rural development, improving the social security system, and comprehensively building a well-off society, from the perspective of the development level of rural productivity and farmers Based on the actual degree of non-agriculturalization, we adopt a strategy of gradually advancing from economically developed areas to economically underdeveloped areas, and from wealthy groups to the majority of farmers, focusing on places with rapid urbanization processes, and actively establishing a relationship with the level of rural economic development. A suitable rural pension insurance system will include qualified regions and groups into the social pension insurance system, and with the advancement of social and economic development and urbanization, it will gradually expand the coverage and improve the level of benefits.

Regions with favorable conditions mainly refer to areas with rapid urbanization, good local financial conditions, and where the government and collectives have the ability to provide certain financial support for farmers to participate in insurance. Among them, urban and suburban areas are the most qualified areas to take the lead in establishing a rural insurance system.

Accelerating the establishment of a rural insurance system in urban suburbs is, firstly, an urgent need to safeguard the fundamental interests of farmers and maintain social stability in the process of industrialization and urbanization; secondly, it is a practical necessity to promote a new round of urban economic growth. The third is the need to implement the scientific outlook on development, coordinate urban and rural development, and improve the construction of the social security system.

2 Editing of insurance participation process

Participants of rural insurance should bring their household registration book and ID card to the village committee or township agricultural insurance office to complete the insurance registration procedures and fill in the "New Rural Social Pension Insurance Registration Form". The village committee will promptly submit relevant materials to the district or county social security or agricultural insurance agency through the township labor and social security office. After the district or county social security or rural insurance agency verifies that the relevant information of the insured person is correct, the bank will issue a "New Rural Social Pension Insurance Bank Passbook" to the new insured person, and then the township labor and social security office will issue it to the insured person. in the hands of personnel.

Insured persons should bring their bank passbook to a designated bank for direct deposit payment, or the social security agency, township office and designated bank should go to the village committee to collect fees.

3 Editing of transfer procedures

Transfer-out declaration

1. The insured unit or the individual shall submit a transfer request to the agricultural insurance institution in the township (district or county) where the transfer is made. To apply for urban insurance or town insurance, submit relevant materials. After the rural insurance agency has reviewed and approved it, it will guide the individual to fill in the "Personal Account Change Declaration Form"; for people transferred out in batches, the insured households will fill in the "Personal Account Collective Change Declaration Form" .

2. Operators of rural insurance agencies in townships (districts and counties) enter and transfer relevant declaration information for urban insurance and town insurance.

3. The system automatically determines whether the person has funds in the township. If not, it will prompt that the transfer declaration cannot be made.

4. If the person still has funds in other towns, the system prompts the person to go to other towns to go through the transfer procedures, and the township agricultural insurance agency will issue a personal account change declaration notice for people with multiple accounts.

5. The notice of acceptance of transfer of commission relationship shall be handed over to the party concerned.

6. If the application is handled in a township, the township agricultural insurance agency shall upload the relevant information and forms to the district or county agricultural insurance center within 5 working days after acceptance.

Transfer review

1. Within 5 working days after the district and county agricultural insurance center receives the relevant information and forms uploaded by the township, it will be transferred to the urban insurance and town insurance application according to the information and review the transfer application.

2. If the application fails to pass the review, the materials and forms will be returned to the township, and the township will cancel the transfer application.

Transfer to Rural Insurance

When the rural insurance agency in townships transfers benefits to rural insurance participants, they will not meet the conditions for receiving monthly pensions from urban (town) insurance. The people with rural household registration in this city are transferred to rural insurance.

4 Transfer Procedures Edit

Handle the transfer of employee social insurance relationships between urban insurance, town insurance, and rural insurance

Township labor security service center or district County Rural Social Pension Insurance Management Center.

Insured units should go to the township labor and social security service center where the unit is located to apply for transfer out.

Among them, foreign-funded enterprises and township labor service companies should go to the rural social pension insurance management center of the county where the unit is located to apply for transfer out.

According to the "Notice on Issues Concerning the Transfer and Connection of Social Insurance Relationships for Employees in this City" (Shanghai Labor Insurance and Nongfa [2004] No. 1)

Application conditions: Transfer of social insurance relationships Rural insurance: Employees in this city participate in urban insurance and town insurance. Transfer of social insurance relationship to rural insurance: Persons with "agricultural household registration" who meet the conditions for receiving pensions from rural insurance can apply for the procedures for transferring social insurance relationship to rural insurance.

Editing of 5 Connection Regulations

In order to make the "New Rural Insurance" more humane, 5 insurance connection regulations for special groups have been specially formulated:

First, changing residence For those who participate in the "New Rural Insurance" and then change their residence and then participate in the urban employee basic pension insurance, their payment for the rural insurance can be converted into the payment period according to the payment base and proportion of the "Urban Insurance" in the corresponding year; [2]

The second is migrant workers. If migrant workers who participate in the "Urban Insurance" do not meet the conditions for receiving the pension when they reach retirement age, the funds will be transferred to farmers in the district or county where they are based in accordance with the one-time treatment provisions of the "Urban Insurance". The insurance agency shall enjoy pension benefits in accordance with the provisions of the "New Rural Insurance", and one year of participation in the "Urban Insurance" will be deemed as one year of payment for the "New Rural Insurance";

The third is People with urban household registration who receive pensions according to the "agricultural insurance" benefits can continue to enjoy the "agricultural insurance" benefits if they do not enjoy other social insurance benefits;

Fourthly, those who have received pensions according to the "agricultural insurance" benefits If the conditions change and the pension personnel are enjoying living allowances for over-transferred personnel, pensions for dependents of immediate family members of deceased personnel, etc., they will no longer enjoy basic pensions;

Fifth, the implementation of the "Trial Measures" Women who have participated in the "Rural Insurance" and are over 55 years old before the date of the "Trial Measures" will enjoy the benefits of the "New Rural Insurance" on a monthly basis from the date of implementation of the "Trial Measures". The personal account pension is determined based on the calculation coefficient corresponding to the age of 60. Pension standards. The "New Rural Insurance" personal account can be inherited.

Edit 6 Funding Sources

Among the three major sources of funds for the "New Rural Insurance", "collective subsidies" are basically zero in many poor areas and cannot be counted on; "individual contributions" "We also have to face the same difficulties as the "Old Farmers Insurance". What should farmers do if they don't have money to pay for insurance? For the "new rural insurance" to be truly inclusive, the core still lies in the bottom-line payment from government finance, especially the central finance. So, where should the huge basic pension come from? In my opinion, the source of central government subsidy funds, the payment capacity of local governments, and whether the "new rural insurance" can be fully covered as soon as possible should be the three most important points worthy of attention in the inclusive "new rural insurance" policy.

Rural Insurance

First, the source of financial funds to subsidize the “New Rural Insurance” will not only directly determine the intensity of the “New Rural Insurance” to benefit farmers, but also the extent to which the “New Rural Insurance” will benefit farmers. The popularity and public evaluation of "guaranteed". Relevant officials from the Ministry of Human Resources and Social Security once disclosed that "5% of Poland's central fiscal expenditures are used for farmers' pension insurance, while our country's central finance does not spend a penny for this." According to the "Study Times" disclosure: Our country's governments at all levels and public institutions* The annual financial expenditure of ** institutions for going abroad at public expense is 300 billion, and the total annual consumption of public transportation, food and drink with public funds is more than 600 billion. If we can reduce the "three public consumption" by saving administrative expenses and invest more fiscal funds in the shortcomings of the "new rural insurance", it will be like killing two birds with one stone. In addition, can the annual dividends paid by state-owned enterprises, state-owned shares held by social security funds, and even strong foreign exchange reserves be mandatory and allocated to the "new rural insurance" in proportion?

Secondly, if the "New Rural Insurance" adopts a model of direct payment from local finances and subsidies from the central finance to local governments, then whether farmers can benefit directly depends on the ability and willingness to pay of local finances. . How to ensure that local finance will not misappropriate central finance subsidies, and how to ensure that local finance will fully allocate funds for the payment of "new rural insurance" will be the most critical. In addition, the payment method of the "new rural insurance" also requires a complete plan design. If the payment of basic pensions repeats the mistake of direct grain subsidies being intercepted and withheld by local and collective governments, it will completely change the original intention of the inclusive "new rural insurance" system. This requires supporting measures to impose severe penalties on violations of laws and regulations, as well as a supervision mechanism in which the general public can fully participate.

Thirdly, if it is fully covered only in 2020, is it a bit late? Not long ago, it was reported that relevant parties decided to implement a pilot program of new rural social pension insurance in 10% of counties (cities, districts) starting from 2009, and it will cover the whole country by 2020. Obviously, the 10% pilot coverage is a bit small, and full coverage by 2020 is a bit late.

Editing 7 Guidance Opinions

Guiding Opinions of the State Council on Launching the Pilot Program of New Rural Social Pension Insurance

Release Date: 2009-09-01

< p>Guofa [2009] No. 32 The people's governments of provinces, autonomous regions, and municipalities directly under the Central Government, all ministries and commissions of the State Council, and all agencies directly under the State Council:

In accordance with the spirit of the 17th National Congress of the Communist Party of China and the Third Plenary Session of the 17th Central Committee, the State Council decided to: Since 2009, a new rural social pension insurance (hereinafter referred to as the new rural insurance) pilot program has been launched. The following guiding opinions are hereby put forward on the pilot work:

1. Basic principles

The new rural social security work must hold high the great banner of socialism with Chinese characteristics, based on the important principles of Deng Xiaoping Theory and the "Three Represents" Guided by the ideology, we must thoroughly implement the Scientific Outlook on Development, and in accordance with the requirements of accelerating the establishment of a social security system covering urban and rural residents, we must gradually solve the problem of rural residents having old age support. The basic principles of the new rural insurance pilot are “basic protection, broad coverage, flexibility, and sustainability.” The first is to proceed from the reality of rural areas, starting from a low level, and financing standards and treatment standards must be compatible with economic development and the affordability of all aspects; second, individuals (families), collectives, and governments reasonably share responsibilities, and rights and obligations correspond; third, The combination of government leadership and farmer voluntariness guides rural residents to universally participate in insurance; fourth, the central government determines basic principles and main policies, and local governments formulate specific measures to implement territorial management of insured residents.

2. Mission objectives

Explore the establishment of a new rural insurance system that combines individual contributions, collective subsidies, and government subsidies, implement social pooling and personal accounts, and integrate family pensions and land Social security, social assistance and other other social security policies and measures should be matched to ensure the basic living standards of rural residents in the elderly. In 2009, the pilot coverage was 10% of the counties (cities, districts, and banners) nationwide. Later, the pilot was gradually expanded and implemented nationwide. By 2020, full coverage of rural residents of working age will be basically achieved.

3. Insurance scope

Rural residents who are over 16 years old (excluding school students) and have not participated in the basic pension insurance for urban employees can voluntarily participate in the new rural insurance at their place of residence. Save.

4. Fund Raising

The new rural insurance fund consists of individual contributions, collective subsidies, and government subsidies.

(1) Individual payment. Rural residents participating in the new rural insurance must pay pension insurance premiums in accordance with regulations. The payment standards are currently set at five levels: 100 yuan, 200 yuan, 300 yuan, 400 yuan, and 500 yuan per year. Local governments can add payment levels according to actual conditions. The insured can choose the payment level independently, and the more he pays, the more he will get. The state adjusts payment levels in a timely manner based on the growth of per capita net income of rural residents and other conditions.

(2) Collective subsidies. Village collectives that meet the conditions shall provide subsidies to insured persons for their contributions, and the subsidy standards shall be democratically determined by the villagers' committee convening a village meeting. Encourage other economic organizations, social welfare organizations, and individuals to provide subsidies for insured persons' payment.

(3) Government subsidies. The government will fully pay the basic pension of the new rural insurance to qualified participants. The central government will provide a full subsidy to the central and western regions according to the basic pension standard determined by the central government, and a 50% subsidy to the eastern region.

The local government shall provide subsidies for the insured persons’ payment, with the subsidy standard not less than 30 yuan per person per year; appropriate incentives may be given to those who choose higher-level payment standards, and the specific standards and methods shall be determined by the province ( The district/city) People’s Government determines. For groups with difficulty paying premiums, such as severely disabled people in rural areas, local governments will pay part or all of the minimum standard pension insurance premiums on their behalf.

5. Establishing personal accounts

The state will establish a personal pension insurance account with lifelong records for each new rural insurance participant. Individual contributions, collective subsidies and other economic organizations, social welfare organizations, and individuals' contributions to the insured's contributions, as well as local government's payment subsidies to the insured, are all credited to the individual account. The personal account deposit amount is currently calculated annually with reference to the one-year RMB deposit interest rate of financial institutions announced by the People's Bank of China.

6. Pension benefits

Pension benefits consist of basic pension and personal account pension, and are paid for life.

The basic pension standard determined by the central government is 55 yuan per person per month. Local governments can increase basic pension standards based on actual conditions. For rural residents who have paid contributions for a long time, basic pensions can be appropriately increased. The funds for the increase and additional payments will be spent by local governments.

The monthly calculation and payment standard for personal account pensions is the total amount of savings in the personal account divided by 139 (the same as the current urban employee basic pension insurance personal account pension calculation coefficient). When an insured person dies, the balance of funds in the personal account, except for government subsidies, can be inherited in accordance with the law; the balance of government subsidies is used to continue paying the pensions of other insured persons.

7. Conditions for receiving pension benefits

Elderly people with registered residence in rural areas who are over 60 years old and do not enjoy the basic pension insurance benefits for urban employees can receive pensions on a monthly basis.

When the new rural insurance system is implemented, those who are over 60 years old and do not enjoy the basic pension insurance benefits for urban employees do not need to pay and can receive basic pensions on a monthly basis, but their children who meet the insurance conditions should Insurance payment; if the age of receipt is less than 15 years, premiums should be paid on an annual basis, and retroactive payments are also allowed. The cumulative payment shall not exceed 15 years; if the age of receipt is more than 15 years, premiums shall be paid on an annual basis, and the cumulative payment shall be no less than 15 years.

It is necessary to guide young and middle-aged farmers to actively participate in insurance and pay long-term premiums, so that they can get more benefits if they pay long-term. Specific measures shall be stipulated by the provincial (regional, municipal) people's government.

8. Benefit adjustment

The state will timely adjust the minimum standard of the national new rural basic pension based on economic development and price changes.

9. Fund Management

Establish and improve the financial accounting system of the new rural insurance fund. The new rural insurance fund is included in the special fiscal account of the social security fund, and is managed on two lines of revenue and expenditure. It is kept and accounted separately, and value preservation and appreciation are achieved in accordance with relevant regulations. During the pilot phase, the new rural insurance fund is temporarily managed at the county level. As the pilot is expanded and promoted, the management level will be gradually improved; where conditions permit, provincial management can also be directly implemented.

10. Fund Supervision

Human resources and social security departments at all levels must effectively perform the supervision responsibilities of the New Rural Insurance Fund, formulate and improve various business management rules and regulations for the New Rural Insurance, and standardize the business procedures, establish and improve the internal control system and fund audit system, monitor and regularly inspect the fund raising, transfer, allocation and distribution, and regularly disclose the new rural insurance fund raising and payment information to achieve openness and transparency and strengthen social supervision. The finance, supervision and audit departments shall supervise according to their respective responsibilities and strictly prohibit misappropriation to ensure the safety of funds. The new rural insurance handling agencies and village committees in the pilot areas will publicize the payment and benefits eligibility of insured persons in the village within the administrative village every year, and accept public supervision.

11. Management services

In areas where new rural insurance pilots are launched, rural residents must carefully record insurance premiums and benefits received, establish insurance files, and properly preserve them for a long time. ; Establish a national unified new rural insurance information management system, incorporate it into the construction of the social security information management system ("Financial Insurance Project"), and realize the sharing of information resources with other citizen information management systems; we must vigorously promote social security cards to facilitate participation The guarantor uses the card to pay fees, receive benefits and check his insurance information. Pilot areas should follow the principle of streamlining and efficiency, integrate existing rural social service resources, strengthen the capacity building of new rural insurance, and use modern management methods and government purchasing services to reduce administrative costs and improve work efficiency. The funds for the new rural insurance work shall be included in the fiscal budget of the same level and shall not be spent from the new rural insurance fund.

12. Linkage of relevant systems

In areas where rural social pension insurance (hereinafter referred to as "Old Farmers' Insurance") with individual contributions as the mainstay and complete personal accounts has been developed, it is necessary to properly handle the issue of "Old Farmers' Insurance". On the basis of solving the issue of creditor's rights of the insurance fund, we will make a good connection with the new rural insurance system. In the new rural insurance pilot areas, all insured persons who have participated in the old rural insurance, are over 60 years old and have received the old rural pension, can directly enjoy the new basic pension; those who have participated in the old rural insurance and are under 60 years old Insured persons who have not received pensions should merge the personal account funds of the old rural insurance into the personal account of the new rural insurance, continue to pay according to the payment standards of the new rural insurance, and enjoy corresponding benefits when they meet the prescribed conditions.

The connection method between the new rural insurance and the basic pension insurance for urban employees and other pension insurance systems will be formulated by the Ministry of Human Resources and Social Security in conjunction with the Ministry of Finance. It is necessary to properly coordinate the new rural insurance system with the social security of land-expropriated farmers, the later support policy for reservoir resettlement, the policy to reward and support rural family planning families, the rural five-guarantee support, social preferential care, and the rural minimum living security system, etc. Specific measures will be studied and formulated by the Ministry of Human Resources and Social Security and the Ministry of Finance in conjunction with relevant departments.

13. Strengthen organizational leadership

The State Council established a leading group for the new rural insurance pilot work to study and formulate relevant policies and supervise and inspect the implementation of the policies, summarize and evaluate the pilot work, and coordinate to solve the pilot problems Problems that arise at work.

Local people's governments at all levels must fully understand the significance of carrying out the new rural insurance pilot work, include it in the local economic and social development plan and annual target management and assessment system, and effectively strengthen organizational leadership. The human resources and social security departments at all levels must effectively perform the duties of the administrative departments responsible for the new rural insurance work, and work with relevant departments to do a good job in the overall planning, policy formulation, unified management, and comprehensive coordination of the new rural insurance. Pilot areas must also establish a pilot work leading group to be responsible for the pilot work in the region.

14. Formulate specific measures and pilot implementation plans

The provincial (autonomous and municipal) people’s governments shall formulate specific measures for the pilot based on this guidance and the actual situation of the region, and Report to the State Council's New Rural Insurance Pilot Work Leading Group for filing; based on full research, multi-party argumentation, and careful calculations, a practical pilot implementation plan must be proposed, pilot areas selected as required, and reported to the State Council's New Rural Insurance Pilot Work Leading Group for review and approval. The pilot implementation plans for pilot counties (cities, districts, and banners) shall be implemented after approval by the people's governments of each province (region, city), and shall be reported to the State Council's New Rural Social Security Pilot Work Leading Group for record.

15. Do a good job in publicity and publicity

The establishment of the new rural insurance system is a major decision to thoroughly implement the Scientific Outlook on Development and accelerate the construction of a social security system covering urban and rural residents. It is also a response to the international Financial crisis and major measures to expand domestic consumer demand are important basic projects to gradually narrow the gap between urban and rural areas, change the dual structure of urban and rural areas, and promote equalization of basic public services. A major policy benefiting the people that harmonizes and increases farmers’ income.

All regions and relevant departments must adhere to the correct guidance of public opinion, use easy-to-understand publicity methods, and strengthen the publicity of the important significance, basic principles and policies of the pilot work, so that this people-benefiting policy can be deepened people's hearts and minds, and guide farmers of appropriate age to actively participate in insurance.

All localities should pay attention to studying new situations and new problems that arise during the pilot process, actively explore and summarize methods and experiences to solve new problems, properly handle the relationship between reform, development and stability, and do good things well. Important situations must be reported to the State Council’s New Rural Security Pilot Work Leading Group in a timely manner.

State Council

September 1, 2009

8 Editing of Issues Involved

The current rural social pension insurance adopts An approach of “focusing on individual contributions, supplemented by collective subsidies, and appropriately tilted policies”. It has been criticized for many problems in actual operation. Against this background, the pilot program of new rural insurance is an inevitable requirement for the development of the rural pension insurance system under the new situation. Its nature of security is not only conducive to solving the elderly care problem of rural residents, but more importantly, it can reduce the national treatment between urban and rural residents and ease social conflicts.

First of all, how to ensure that the funds related to the new rural insurance can be effectively supervised. One of the features that distinguishes the new rural insurance from the old rural insurance is that the payment structure has changed from individual contributions in the past to a model that consists of a basic pension and a pension from a personal account. The basic pension is fully guaranteed by the national finance.

Secondly, how to establish a new "new rural social pension insurance" management method. The new rural insurance requires relevant departments to improve the unified implementation of the new rural insurance system, fund raising, establishment and management of personal accounts, socialized payment of pensions and other related matters to ensure the fairness and transparency of pension management and use. .

Finally, how to win public recognition and trust. The old rural insurance policy, which has many problems, still leaves doubts or sequelae in the minds of the majority of farmers. To change this distrust, on the one hand, the country needs to be more detailed, specific and easy to understand in its policy propaganda. At the same time, relevant departments should gradually incorporate rural social pension insurance into the entire social insurance system and establish a management system that is convenient for farmers to check their premium status at any time. In addition, it is also necessary to improve the social pension payment system that is convenient for farmers to receive, reduce unnecessary intermediate links, and fully reflect the advantages of the new rural insurance.

The new rural insurance is a major event involving the vital interests of farmers. This policy of benefiting farmers requires relevant departments to establish institutional unity, political separation, sound mechanisms, strong supervision, and relative separation of collection, management, and payment. A centralized and distributed management model. Only by taking these "reassurance pills" can we give full play to the protective role of the new rural insurance and enable the majority of farmers to enjoy the same national treatment.

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