In addition to the basic old-age insurance, you can also increase and raise the salary level, the same below.

Guiding opinions of the State Council on the pilot project of new rural social endowment insurance.

Guo Valve [2009] No.32

People's governments of all provinces, autonomous regions and municipalities directly under the Central Government, ministries and commissions and institutions directly under the State Council:

According to the spirit of the Third Plenary Session of the 17th CPC Central Committee, the State Council decided to launch a new rural social endowment insurance (hereinafter referred to as the new rural social endowment insurance) pilot since 2009. Give the following guidance to the pilot work:

fundamental principle

Holding high the great banner of Socialism with Chinese characteristics, under the guidance of Deng Xiaoping Theory and Theory of Three Represents, the new rural endowment insurance has thoroughly implemented Scientific Outlook on Development, accelerated the establishment of a social security system covering urban and rural residents as required, and gradually solved the problem of rural residents' sense of security. The basic principles of the new rural insurance pilot are basic safety, wide coverage, flexibility and sustainability. First of all, starting from the countryside, the financing standard corresponds to the low-level reality of the treatment standard in areas such as tolerance for the people and economic development. Individuals (families), collectives and governments share responsibilities reasonably, with corresponding rights and obligations; The combination of government-led and farmers' voluntary participation will guide rural residents to participate in the insurance. The central government will determine the basic principles and main policies, and local governments will formulate specific measures to implement territorial management of the insured residents.

Mission objective

Explore the establishment of a new rural insurance system that combines individual contributions, collective subsidies, government subsidies, social pooling and individual accounts, as well as social security policies and measures such as family pension, land security and social assistance to support the basic livelihood of rural elderly residents. In 2009, the pilot project covered 65,438+00% counties (cities, districts and banners) in China. After gradually expanding the pilot, it is a common practice to basically achieve full coverage of rural school-age population in 2020.

Three insurances

Urban workers and rural residents who have reached the age of 16 (excluding students) and have not participated in the basic old-age insurance can voluntarily participate in the new rural old-age insurance at home.

financing

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

(1) individual payment standard. Rural residents who participate in the new rural endowment insurance shall pay endowment insurance premiums according to regulations. According to the actual situation, the payment standard is set at 100 yuan per year, with five grades in 200 yuan, 300 yuan, 400 yuan and 500 yuan, with more salary grades. The level of fees is chosen by the insured, and the overpayment is more. On the basis of the increase of per capita net income of rural residents, the wage level will be adjusted in a timely manner.

(2) Collective subsidies. Conditional village collectives shall provide subsidies paid by the insured, and the subsidy standard shall be determined democratically by the villagers' committee holding a villagers' meeting. Encourage other economic organizations, social organizations and individuals to pay for the insured.

(3) government subsidies. The government fully supports the basic pension guaranteed by the new rural cooperative medical system to eligible insured persons, in which the central and western regions are fully subsidized on the basis of the basic pension standard of the central government, and the eastern regions are given 50% subsidies.

The local government should give subsidies to the insured, the subsidy standard is not less than 30 yuan per person per year, and give appropriate encouragement to choose higher-grade standard payment. The specific standards and measures are the people's governments at the provincial level (autonomous regions and municipalities). Pay part or all of the local government minimum old-age insurance premiums paid by rural severely disabled groups with difficulties.

Establish a personal account

The state establishes a lifelong file for the personal pension account of each new rural insurance participant. Individual contributions, collective subsidies and personal funds paid by other economic organizations, social welfare organizations and the local government of the insured shall all be credited to personal accounts. At present, financial institutions have announced the one-year deposit interest rate with reference to the People's Bank of China.

Six, yes.

Pension equity pension is paid by basic pension and personal account pension.

The basic pension standard of the central government is 55 yuan per person per month. Local governments can raise the standard of basic old-age pension according to the actual situation, issue long-term payment of basic old-age insurance for rural residents, and appropriately increase the fat part of local government funds.

The standard storage amount of individual account pension is divided by all individual accounts 139 (the current basic old-age insurance for urban employees has the same calculation coefficient for individual account pension). After the death of the insured, the balance of funds in the personal account except government subsidies can be inherited according to law, and the balance of government subsidies will continue to be paid by the insured.

Old people with rural household registration who have reached the age of 60 and do not enjoy the basic old-age insurance for urban workers can receive a monthly pension.

After the implementation of the new agricultural insurance system, those who have reached the age of 60 and do not enjoy the basic old-age insurance benefits for urban workers will receive the basic pension free of charge, but they should meet the insurance requirements for their children; The receiving distance is less than 15 years, and the annual payment should not exceed 15 years; If the distance exceeds 15, the fee shall be paid annually, and the accumulated fee shall not be less than 15 years.

It takes too long to guide young and middle-aged farmers to actively insure long-term payment. People's governments of provinces (autonomous regions and municipalities directly under the Central Government).

8 treatment adjustment

According to the economic development and price changes, the state timely adjusts the minimum standard of the basic pension of the new rural insurance.

9 fund management

Establishment and perfection of financial accounting system of new rural endowment insurance fund. The new agricultural insurance fund shall be incorporated into the financial special account of the social security fund, managed by two lines of revenue and expenditure, accounted for separately, and maintained and increased in accordance with relevant regulations. In the pilot stage, the new agricultural insurance fund will be temporarily managed at the county level. With the expansion and opening up of the pilot, the management level will be gradually improved; Conditional can also directly to the provincial administration for industry and commerce.

X. Financial supervision

First, the human resources and social security departments should earnestly implement the supervision responsibility of the new agricultural insurance fund, formulate and improve the management laws and regulations of the new agricultural insurance enterprises, standardize business processes, establish and improve the internal control system and audit system of the fund, provide online solutions such as fund raising, distribution, release monitoring and regular inspection, and regularly disclose the information on fund raising and payment of the new agricultural insurance fund, so as to be open and transparent and strengthen social supervision. According to their respective duties, they shall not occupy or misappropriate financial funds, and the supervision and auditing departments shall supervise them to ensure their safety. The annual salary and treatment of the institutions and villagers' committees in the administrative village of the new agricultural insurance pilot area and the qualifications of the insured are publicized in the village and accepted by the masses.

1 1 manager management

In the pilot areas where the new rural insurance is carried out, when rural residents pay for the insured, the documents established by the insured can be properly preserved for a long time before the new rural insurance with a unified national information management system can be carefully recorded and incorporated into the social security information management system ("Golden Insurance Project"), and the information resources can be docked with other citizens' information management systems; Vigorously promote social security cards to facilitate cardholders to pay for insurance, receive benefits and inquire about their insurance information. According to the principle of streamlining efficiency, the pilot areas integrate the existing rural social service resources, strengthen the new rural social insurance system, and use the processing capacity of modern management science and purchase services to reduce administrative costs and improve work efficiency. At the same level as the new rural insurance, the new rural insurance fund may not be included in the fiscal budget.

12, connection of related systems

On the basis of properly handling the problem of fund debt in rural social endowment insurance (hereinafter referred to as rural endowment insurance) areas, which is mainly paid by individuals and fully accounted for by individuals, it is well connected with the new rural endowment insurance system. In the pilot area of new rural insurance, Paul, a 60-year-old farmer who participated in it, has been granted old-age insurance for farmers and can directly enjoy the basic pension of new rural insurance; Paul joined the ranks of farmers. He is insured at the age of 60 and has no pension. He deserves the same treatment. Transfer the funds from the personal account of the rural insurance to the new rural insurance in the personal account, and continue to pay to the eligible new rural insurance payment standard.

Measures for the connection between the new rural endowment insurance and the basic endowment insurance for urban workers shall be formulated separately by Ministry of Human Resources and Social Security and the Ministry of Finance. The new rural insurance system and the expropriation of social security farmers' land make the reservoir resettlement support policy, rural family reward support policy, rural five-guarantee support, social preferential treatment support policy and system, and rural minimum living security system connect with each other. The specific measures shall be studied and formulated by Ministry of Human Resources and Social Security and the Ministry of Finance jointly with relevant departments.

Thirteen. Strengthen organizational leadership

The State Council has set up a new leading group for agricultural insurance pilot work, which is responsible for studying and formulating relevant policies, supervising and inspecting the implementation of policies, summing up and evaluating the pilot work, and coordinating and solving the pilot work problems.

Local governments at all levels should fully understand the great significance of carrying out the pilot work of the new rural endowment insurance, incorporate it into the local economic and social development plan and the annual target management assessment system, and strengthen organizational leadership. The administrative departments of human resources and social security at all levels are responsible for the work of the new agricultural insurance, and do a good job in the overall planning, unified management and coordination of the new agricultural insurance policy in conjunction with relevant departments. A pilot work leading group has also been set up in the pilot areas to take charge of the pilot work in their own areas.

34, formulate specific measures and pilot implementation plan.

The people's governments of all provinces (autonomous regions and municipalities directly under the Central Government) shall formulate specific pilot measures according to the guiding opinions and the local conditions, and report them to the leading group for the pilot work of new rural endowment insurance in the State Council for the record; On the basis of full research, discussion and careful calculation, this paper puts forward a feasible pilot implementation plan, and selects the pilot area for verification according to the new requirements of the leading group of the State Council. After the implementation of the pilot counties (cities, districts and banners), they shall be reported to the provinces (autonomous regions and municipalities directly under the Central Government) approved by the people's government and the new agricultural insurance pilot led by the state committee for the record.

45, do a good job of publicity.

The establishment of a new rural old-age insurance system is an important measure, a basic project and a major policy of benefiting the people, covering urban and rural residents to cope with the international financial crisis, expanding domestic consumption demand, gradually narrowing the gap between urban and rural areas, changing the dual structure of urban and rural areas and promoting the equalization of basic public services.

All localities and departments should adhere to the correct direction of public opinion, use popular and easy-to-understand propaganda methods, and strengthen the publicity of the importance of the pilot work and the basic principles and policies that are deeply rooted in the hearts of the people. Therefore, this policy of benefiting the people guides school-age farmers to actively insure.

Pay attention to the study of new situations and new problems in the pilot process, actively explore and summarize the methods and experiences to solve new problems, properly handle the relationship between reform, development and stability, and do a good job. It is important to report to the pilot work leading group of new rural insurance in the State Council in time.

There is the State Council

September 2009 1