I. Basic principles
The basic principle of the new rural social endowment insurance (hereinafter referred to as the "new rural endowment insurance") is "basic, wide coverage, flexible and sustainable". First, starting from the reality of rural areas, starting at a low level, and the standard of financing and treatment should be adapted to economic development and affordability in all aspects; Second, individuals (families), collectives and governments share responsibilities reasonably, and rights correspond to obligations; Third, the combination of government-led and farmers' wishes will guide rural residents to participate in insurance; Fourth, the central government determines the basic principles and main policies, and the province formulates specific measures to implement territorial management for insured residents.
Second, the mission objectives
Explore the establishment of a new rural insurance system that combines individual contributions, collective subsidies and government subsidies, and implement the combination of social pooling and individual accounts, which are matched with other social security policies and measures such as family pension, land security and social assistance to ensure the basic livelihood of rural residents in their later years. According to the unified national deployment, in 2009, counties and cities in the whole province 10% were selected to start the pilot work, and then the pilot work will be gradually expanded to achieve full coverage as soon as possible.
Third, the scope of insurance.
Rural residents (excluding students) who have reached the age of 16 in this province and have not participated in the basic old-age insurance for urban workers may voluntarily participate in the new rural insurance at their place of residence.
Fourth, raise funds.
The new agricultural insurance fund consists of individual contributions, collective subsidies and government subsidies.
(1) individual payment. Rural residents who participate in the new rural old-age insurance shall pay the old-age insurance premium according to the regulations. At present, the payment standard is set at 100 yuan per year, which is divided into five grades: 200 yuan, 300 yuan, 400 yuan and 500 yuan. City, state, county and city people's governments may, according to the per capita net income of local farmers. Raise the annual payment level higher than that of 500 yuan. The insured person chooses the payment grade independently, and pays more. In accordance with the unified regulations of the state, our province timely adjusts the payment grade according to the growth of per capita net income of rural residents. The insured person shall pay the annual fee at the designated financial institution with the new rural insurance social security card (or payment registration card).
(2) Collective subsidies. Conditional village collectives shall give payment subsidies to the insured. The subsidy standard shall be determined democratically by the villagers' committee holding a villagers' meeting. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured.
(3) government subsidies. The government pays the new rural insurance basic pension to eligible insured persons in full, and the central government gives full subsidies according to the basic pension standards determined by the central government. The provincial, city, county and municipal governments grant subsidies to the insured person for payment (no payment). The subsidy standard is 30 yuan per person per year, of which the provincial average subsidy is 20 yuan, and the city, county and city average subsidy is 10 yuan. Conditional cities, counties and urban areas can increase 5 yuan subsidies every time they are upgraded, and the increased subsidies can be determined by cities, counties and urban areas.
Cities and towns share the responsibility, but also by the township (town) government, village collective economy and other economic organizations subsidies. For rural groups who have completely lost their ability to work and have no source of income, the county, city and district government will pay all the old-age insurance premiums on their behalf, at the rate of 100 yuan per year; For other groups with difficulties in paying fees, the county and city governments give certain subsidies according to the minimum payment grade. For severely disabled people in rural low-income households, the county, city and district governments shall pay all the old-age insurance premium 100 yuan every year on the basis of "minimum living allowance" and "disabled card"; For other severely disabled people. The county and city governments pay part of the old-age insurance premium for them with the disability certificate.
Five, the establishment of personal accounts
The new agricultural insurance agency shall establish a personal account of old-age insurance with lifelong records for each new agricultural insurance insured. Individual contributions, collective subsidies, subsidies to the insured by other economic organizations, social welfare organizations and individuals, and subsidies to the insured by governments at all levels are all credited to personal accounts, accumulated in full and in one step. At present, the amount stored in personal accounts bears interest every year with reference to the one-year RMB deposit rate of financial institutions announced by the People's Bank of China.
Sixth, pension benefits.
The pension benefits of the new rural insurance are composed of basic pension and personal account pension, which are paid for life. The basic pension standard set by the central government is 55 yuan per person per month, and the funds are fully subsidized by the central government. From 20 10. With the approval of the Provincial Department of Human Resources and Social Security and the Provincial Department of Finance, the city, county and municipal governments may appropriately raise the basic pension level, and the funds shall be borne by the city, county and municipal governments. The monthly calculation and payment standard of personal account pension is the total amount of personal account divided by 139 (the same as the current calculation and payment coefficient of personal account pension of basic old-age insurance for urban employees). When the insured person dies, in addition to government subsidies, the balance of personal account funds can be inherited according to law; The balance of government subsidies is used to continue to pay the pensions of other insured persons. Encourage farmers to pay for a long time and pay more for a long time. If the insured person of the new rural insurance has paid for more than L5 years, the basic pension 0.5 yuan will be increased every month for each payment 1 year (obsolete). The new rural insurance pension is socialized, and the recipients receive it from the designated financial service institutions with the social security card (or pension bank passbook).
Seven, pension benefits to receive conditions
Elderly people with rural household registration who have reached the age of 60 and have not enjoyed the basic old-age insurance for urban workers can receive a monthly pension. When the new rural insurance system is implemented, people who have reached the age of 60 and have not enjoyed the basic old-age insurance benefits for urban workers can receive the basic pension on a monthly basis without paying fees, but their children in the same village who meet the insurance conditions should pay insurance premiums. When the new rural old-age insurance system is implemented, if the age is less than 15 years, the annual payment is allowed, and the accumulated payment is not more than 15 years. The government does not give payment subsidies during the overdue period. When the new rural endowment insurance system is implemented, it is over 15 years old from the collection age. Payment should be made every year. The accumulated payment shall not be less than 15 years.
Eight, treatment adjustment
According to the unified deployment of the state, our province adjusts the basic pension standard in a timely manner according to the economic development and price changes.
Nine. fund management
Establish and improve the financial accounting system of the new agricultural insurance fund. The new agricultural insurance fund is included in the financial special account of the social security fund, and two lines of revenue and expenditure are managed and accounted for separately. The basic pension and individual account fund are managed separately, and the basic pension cannot occupy the individual account fund. Personal account funds shall be managed centrally at the provincial level and included in the provincial financial accounts. The balance of individual account funds is maintained and increased in accordance with the relevant provisions of the state.
The new agricultural insurance agencies in the county and urban areas shall set up new agricultural insurance fund income households, expenditure households and financial accounts in the financial institutions determined by the county and urban finance in the province; The Provincial Department of Finance set up provincial financial accounts for the new rural insurance in the above financial institutions. The endowment insurance premiums and collective subsidies paid by the insured enter the income households of the new rural endowment insurance fund in the county and urban areas, and the county and urban agencies and financial departments shall transfer the funds and government payment subsidies from the income households of the new rural endowment insurance fund in the county and urban areas to the county and urban financial accounts, and then to the provincial financial accounts within the specified time.
The new rural insurance pension is compiled by the contract finance department of the county-level human resources and social security department and reported step by step. With the approval of the Provincial Department of Human Resources and Social Security and the Department of Finance, the Provincial Department of Finance will transfer the funds needed for personal account pension from the provincial financial accounts to the county financial accounts within the specified time. Financial departments at all levels should transfer the basic pension subsidy funds of governments at all levels to the financial accounts of counties and cities within the specified time, and the financial departments at the county level will transfer the basic pension and personal account pension from the financial accounts to the counties on a monthly basis.
Urban fund expenditure households.
X. Financial supervision
The human resources and social security departments at all levels should earnestly perform the supervision duties of the new agricultural insurance fund, formulate and improve the new agricultural insurance business management rules and regulations, standardize business processes, and establish and improve the internal control system and fund collection system. Real-time monitoring and regular inspection of fund raising, settlement, budget, disbursement and distribution, regular disclosure of new rural insurance fund raising and payment information, openness and transparency, and strengthening social supervision. The finance, supervision and auditing departments shall exercise supervision according to their respective responsibilities. Misappropriation is strictly prohibited. Ensure the safety of funds. The new agricultural insurance agencies and villagers' committees in pilot counties and urban areas publicize the eligibility of the insured in the village for insurance payment and treatment every year within the scope of administrative villages, accept the supervision of the masses, and establish the responsibility and reward mechanism for qualification certification for treatment.
XI。 Processing management service
Counties and cities that carry out the pilot project of new rural insurance should carefully record the payment and treatment of rural residents, establish insurance files and keep them properly for a long time. According to the provincial management mode, we will build a unified new rural endowment insurance information management system in the province, incorporate it into the province's endowment insurance information management system, and make full use of modern information technology and financial networks to provide efficient and convenient services for the new rural endowment insurance. In view of the scattered living conditions of rural residents, rural residents' social security cards are distributed free of charge, which is convenient for insured persons to pay fees, receive benefits and inquire about insurance information. County-level new rural insurance agencies are mainly responsible for the registration management, payment declaration management, fund collection, personal account establishment and management, treatment approval and payment, insurance relationship transfer and connection, file management, statistical analysis, etc., and guide, supervise and assess the business management of township labor security stations.
The new rural endowment insurance has many service objects and heavy tasks, so it is necessary to give full play to the role of township labor security stations and villagers' committees. Villagers' committees in administrative villages are mainly responsible for publicizing the new rural insurance policy, mobilizing rural residents to pay insurance premiums, publicizing the payment and qualifications of the insured, confirming the eligibility for treatment, collecting and reporting the information needed for the new rural insurance business, distributing relevant information to the insured and collecting basic information of rural residents. The township labor security station (social security station) is mainly responsible for the preliminary examination of the qualifications of the insured, basic information, payment information, eligibility for treatment and qualification for relationship transfer, and is responsible for inputting relevant information. Staff can be enriched on the basis of existing township labor security stations, and personnel and work funds can be included in the financial budget. We can also explore the integration of township finance with existing social security forces such as labor security, new rural cooperative medical system, civil subsistence allowance and social assistance. Establish a social security station with full financial allocation. The establishment of the new rural endowment insurance funds and service population and quality of work linked to the "award instead of compensation" mechanism. Specific measures shall be formulated separately.
Human resources and social security departments at all levels should establish and improve the new agricultural insurance agencies. The personnel and working funds of the new agricultural insurance agency shall be included in the fiscal budget at the same level, and shall not be spent from the new agricultural insurance fund.
Twelve. Links to related systems
Cities, counties and urban areas should earnestly do a good job in the audit and rectification of the original rural social endowment insurance fund and the return of insurance premiums in accordance with the Notice of the General Office of the Hunan Provincial People's Government on Forwarding (Hunan Zhengban Mingdian [2008] No.261). If the audit and rectification work is not in place, the new rural insurance pilot can not be carried out.
Do a good job in the new agricultural insurance system, the late support policy for reservoir resettlement, the reward and support policy for rural family planning, the rural five-guarantee policy, the social preferential treatment policy, and the rural minimum living security policy
Support the convergence of policies and systems such as the life security system. Before the relevant convergence policies are promulgated by the state, the insured persons of the new rural insurance still enjoy other social security benefits according to the current policies.
Thirteen. Strengthen organizational leadership
In order to ensure the smooth development of the pilot work, in accordance with the unified arrangements and requirements of the State Council, Hunan Province set up a leading group for the pilot work of the new rural endowment insurance. The main duties of the leading group are to study and formulate the system, policy and implementation plan of the new rural endowment insurance, promote the pilot work, coordinate the problems in the pilot work, summarize and evaluate the pilot effect, and report to the leading group of the new rural endowment insurance pilot work in the State Council. There is an office under the leading group, and the Provincial Department of Human Resources and Social Security is responsible for the daily work of the office and the specific work of the pilot.
The municipal, state and county governments should fully understand the great significance of carrying out the pilot work of the new rural insurance, incorporate it into the local economic and social development plan and the annual target management assessment system, and earnestly strengthen organizational leadership. Human resources and social security departments at all levels should earnestly perform the duties of the administrative department in charge of the new agricultural insurance, and do a good job in overall planning, policy formulation, unified management and comprehensive coordination of the new agricultural insurance in conjunction with relevant departments. Pilot counties and cities should set up pilot work leading ladies to be responsible for the pilot work in their own areas.
Cities and States choose eligible counties and cities to be audited by the provincial government and approved by the leading group of the new rural insurance pilot work in the State Council as the pilot counties and cities of the new rural insurance. Pilot counties and cities should be based on full investigation, careful calculation and multi-party demonstration, combined with local conditions. Make an implementation plan. Audited by the municipal government, approved by the provincial government, and reported to the the State Council new rural insurance pilot work leading group for the record, and then organize the implementation.
Fourteen, do a good job in public opinion propaganda and mobilization.
The establishment of the new rural endowment insurance system is a thorough implementation of Scientific Outlook on Development. Accelerating the construction of social security system covering urban and rural areas is an important basic project to narrow the gap between urban and rural areas, change the dual structure of urban and rural areas and promote the equalization of basic public services. It is also an important policy of benefiting the people to realize old-age security for rural residents, promote family harmony and increase farmers' income.
All localities should adhere to the correct direction of public opinion, use easy-to-understand methods, strengthen the publicity of the significance, basic principles and policies of the pilot work, make this policy of benefiting the people deeply rooted in the hearts of the people, and guide school-age farmers to actively participate in the insurance.
All localities should pay attention to the study of new situations and problems in the pilot process, actively explore chapters, sum up methods and experiences to solve new problems, properly handle the relationship between reform, development and stability, and do a good job. Important information should be reported to the provincial new rural insurance pilot work leading group in a timely manner.