The first is to achieve full coverage of the new rural social endowment insurance system. This is an important measure to coordinate the urban and rural social security system. The Third Plenary Session of the Seventeenth Central Committee of the Communist Party of China decided to put forward: "According to the requirements of combining individual contributions, collective subsidies and government subsidies, a new rural social endowment insurance system should be established." In September 2009, the State Council issued "Guiding Opinions on the Pilot Project of New Rural Social Endowment Insurance", and officially launched the pilot project of new rural endowment insurance. The coverage rate of the first batch of pilots reached 1 1.8%. In 20 10, the pilot area was expanded to about 23%.
The new rural old-age insurance system combines universal benefits with incentives, and rural elderly residents who have reached the age of 60 can receive basic pensions paid by the government. All the endowment insurance premiums paid by individual farmers are included in individual accounts, and the government also gives subsidies. The establishment of the new rural insurance system is another major policy of benefiting farmers after the central government exempts agricultural taxes, implements rural direct subsidies and new rural cooperative medical care, and is another major breakthrough in establishing a social security system covering urban and rural residents in China. During the "Twelfth Five-Year Plan" period, it is necessary to further expand the pilot scope of the new rural endowment insurance and achieve full implementation in the country at the end of the period; It is necessary to improve the new rural endowment insurance policy and make a good connection between relevant systems and supporting policies; It is necessary to strengthen the supervision of the fund to ensure its safety and integrity; It is also necessary to formulate and implement the old-age security system for urban non-employed residents in a timely manner, and gradually realize the unification of the old-age security system for urban and rural residents.
The second is to promote the reform of the endowment insurance system of government agencies and institutions. This is an inevitable requirement for unifying the basic old-age insurance system. The 17th National Congress called for "promoting the reform of the basic old-age insurance system for enterprises, institutions and institutions".
In 2008, the State Council formulated the Pilot Program for the Reform of Staff Pension Insurance System in Public Institutions, and decided to carry out the pilot program in five provinces and cities in advance to support the pilot reform of classified public institutions. During the "Twelfth Five-Year Plan" period, while continuing to improve the old-age insurance system for enterprise employees, we will promote the reform of the old-age insurance system for government agencies and institutions, with the focus on implementing the basic system of combining unified accounts with accounts to meet the needs of personnel flow; The basic pension benefits are more closely linked to the payment period and amount, and the incentive mechanism is strengthened; Implement supplementary endowment insurance measures suitable for the characteristics of government agencies and institutions to achieve multi-level protection; It is necessary to ensure that the original treatment level stipulated by the state will not be reduced, and to achieve a reasonable connection and smooth transition between the old and new systems.
The third is to achieve national overall planning of basic pensions. This is a major breakthrough in the old-age insurance system, which conforms to the law of large numbers in social insurance, is conducive to spreading risks on a large scale and improving the efficiency of fund use; It is also possible to clarify the responsibilities of the central and local governments and realize the unification and standardization of the old-age insurance system; It is also conducive to the smooth transfer and continuity of the pension insurance relationship across the country, and systematically eliminates the obstacles that affect the rational flow of labor across regions. By the end of 2009, the provincial overall planning of the basic old-age insurance fund has been fully realized, laying a solid foundation for the national overall planning of the basic old-age pension. The implementation of national overall planning of basic pensions involves major adjustment of the interests of the central and local governments. It should be unified and standardized, and it should be suitable for the characteristics of local governments, leaving room for adjustment for local governments and giving full play to the enthusiasm of the central and local governments. It is also necessary to establish and improve a set of mechanisms and policies, and constantly improve them in implementation.
The fourth is to further implement the personal account of pension insurance and actively and steadily promote the investment and operation of pension funds. This is an important strategic decision to cope with the aging population and realize the sustainable development of endowment insurance. Up to 2009, 13 provinces have carried out "implementation" pilot projects, with a cumulative implementation of16 billion yuan. The balance of endowment insurance for enterprise employees in China has accumulated over 654.38+0.3 trillion, and most personal accounts are only records of rights and interests, which have not been fulfilled; At the same time, with the improvement and promotion of the system, the personal account funds in the new rural endowment insurance and the endowment insurance system of institutions and institutions will also accumulate rapidly, and the demand for implementation and investment operation will become increasingly prominent. During the "Twelfth Five-Year Plan" period, the proportion of elderly people over 60 in China will increase from less than 13% at the beginning of the year to about 15% at the end of the year; By the end of the 20th century, it will enter the peak period of population aging, when pension funds and financial funds will face greater pressure. It is necessary to seize the favorable opportunity of steady and rapid economic development, further expand the scale of personal accounts, actively and steadily promote the investment and operation of funds, realize the preservation and appreciation, and lay a more solid material foundation for coping with the peak challenge of aging.
branch out
Coverage rate is the primary index to reflect the accessibility and effectiveness of social security system. By the end of September 20 10, China's urban workers' pension insurance, urban medical insurance, unemployment insurance, industrial injury insurance and maternity insurance reached 250.25 million, 420.72 million,131470,000 and15871respectively. The new rural endowment insurance, which has just started to be piloted, also covers more than 60 million people, and will exceed 654.38+0 billion by the end of the year. The key points of expanding social security coverage during the Twelfth Five-Year Plan period are as follows: First, for urban employment groups, focus on the participation of migrant workers, employees of non-public economic organizations and flexible employees; Second, continue to solve the historical problems left over from the system transition, fully implement the policy of bringing retirees from closed and bankrupt enterprises into the basic medical insurance for urban workers, bring uninsured employees of collective enterprises, former "family workers" and "May 7th workers" into the basic old-age insurance system, and bring all "old workers with work-related injuries" into the overall management of work-related injury insurance; Third, for the new rural insurance system, the new rural cooperative medical system and the basic medical insurance system for urban residents, by strengthening policy incentives, we will guide qualified personnel to actively participate in insurance and participate in insurance for a long time, and give more support to the disabled and other difficult groups; The fourth is to improve the social security policy for land-expropriated farmers, implement the policy of "insurance before expropriation", and effectively protect the legitimate rights and interests of land-expropriated farmers.
average up
Since the 16th National Congress, with the sustained and rapid economic development, China's social security level has been continuously improved. During the "Twelfth Five-Year Plan" period, it is necessary to further improve the level of social security benefits and let the people effectively share the fruits of economic and social development. However, China has a large population and a weak foundation, which is quite different. To improve the level of social security, we must always adhere to the principle of "guaranteeing the basics", act actively and do what we can, increase the input of public finance into social security, distinguish priorities step by step, and gradually narrow the treatment gap between regions, urban and rural areas and various groups. First, continue to improve the basic pension benefits for enterprise retirees, and study and establish a normal adjustment mechanism linked to economic development, wage growth and price level; Second, through the implementation of outpatient co-ordination, the cost of diagnosis and treatment of frequently-occurring and common diseases will be included in the scope of basic medical insurance payment, the scope of benefits will be expanded, and the reimbursement level and maximum payment limit of employee medical insurance, resident medical insurance and new rural cooperative medical system will be steadily improved; Third, greatly improve the treatment standard of work-related injury death and related work-related injury insurance; The fourth is to expand the scope of unemployment insurance fund payment, play the role of preventing unemployment and promoting employment, and establish a trinity industrial injury insurance system of prevention, compensation and rehabilitation, so that the insured can benefit from active social insurance policies instead of passively waiting for risk compensation.
Build a system
China's multi-level social security system is mainly divided into three levels. The first is "supporting the bottom". Social assistance is mainly provided to poor families and residents in urban and rural areas through the minimum living security, medical assistance, rural "five guarantees" and other systems, and special groups such as lonely elderly people are taken care of through the social welfare system. All the funds needed are paid by the government. The second is the "backbone layer". Mainly through the implementation of the social insurance system linking rights and obligations, it provides the insured with basic guarantees such as pension, medical care, unemployment, work injury and maternity. The government forces or guides the implementation of the social insurance system and bears the necessary financial responsibilities. The third is the "supplementary layer". The state encourages and guides employers to establish enterprise annuities, occupational annuities and supplementary medical insurance systems according to conditions, and develop commercial insurance to meet the security needs of different social members.
During the Twelfth Five-Year Plan period, efforts should be made to build a multi-level social security system from the following three aspects: first, actively develop and standardize enterprise annuity and occupational annuity pension insurance, and encourage employers to establish supplementary insurance for workers through more powerful tax preferential policies; Second, develop commercial life insurance and health insurance, guide and standardize various social institutions and market players to set up supplementary social security undertakings to meet the people's higher or specific security needs; The third is to further improve the urban and rural social assistance system, gradually expand the coverage of the minimum living security system and medical assistance system, gradually improve the level of urban and rural subsistence allowances, rural five guarantees and medical assistance, and effectively protect the basic livelihood of urban and rural poor people, poor college students and other groups.
Improve service
At present, China's social security management service system has been generally established throughout the country. With the expansion of the population covered by the social security system and the growth of social security funds, the requirements for efficient and convenient service, strict management and refined management are getting higher and higher. During the "Twelfth Five-Year Plan" period, it is necessary to further improve the level of social security management services: First, strengthen the construction of grass-roots social security service platforms focusing on grass-roots units, standardize and optimize social security management service processes in accordance with people-oriented requirements, and promote standardization construction; Second, strengthen the construction of social security information network, speed up the construction of a social security information management system with complete projects and nationwide networking, timely and accurately record the payment and rights and interests of insured persons, and ensure the payment of benefits; Third, vigorously promote the application of social security cards with unified standards and compatible functions, and strive to realize "one card for one person" and "one card for multiple purposes" as soon as possible, so as to facilitate the insured to inquire about their rights and interests records anytime and anywhere, and "record, serve and guarantee their lives" for all insured people.
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