Question 2: What does overall fund management mean? It belongs to the category of group financial management.
1, centralized; 2. Decentralized; 3. Centralization and decentralization are organic. Overall management of funds belongs to centralized management means. That is, the parent company of the group or the financial company specially established by the group implements unified receipt and payment of funds.
All business income in the group is remitted to the group and arranged by the group finance company.
Question 3: What is the meaning of social pooling in endowment insurance? Income from social pooling funds: refers to the social pooling funds paid by the units that are included in the basic old-age insurance according to the payment base and proportion stipulated by the state, and the income that forms the source of funds obtained by other means, including: income from social pooling funds paid by units, financial subsidy income, interest income and other income.
Expenditure of social pooling funds refers to pensions and funeral subsidies paid by social pooling funds to individuals who have participated in basic old-age insurance, as well as expenditures incurred due to the transfer of insurance relations and the transfer of funds at higher and lower levels. Including: basic pension, transitional pension, retirement fee, severance payment, subsidy, funeral pension subsidy and other expenses.
The basic old-age insurance system in China implements the mode of combining social pooling with individual accounts. The contribution ratio of enterprises is about 20% of the total wages, and the contribution ratio of individuals is 8% of their own wages. Part of the basic old-age insurance premium paid by the enterprise is used to establish the overall fund, and part of it is included in the personal account; The basic old-age insurance premiums paid by individuals are included in personal accounts. Basic pension consists of basic pension and personal account pension. The basic pension is paid by the social pooling fund. The monthly basic pension is 20% of the average social wage of employees, and the monthly personal account pension is1120 of the accumulated amount of personal account funds.
Question 4: What do you mean by "the amount transferred from the company to the account" and "the amount transferred from the company to the overall planning" in the payment of social insurance premiums? 2% of individual medical insurance contributions are all transferred to your personal account, and the amount of unit contributions is different according to your age, and the proportion will be adjusted with your age. The actual expenses paid by the unit for you are included in the overall amount plus the amount included in the personal account, but the money included in the personal account can be used on the medical insurance card, and the amount included in the overall plan is included in the local social insurance overall fund, which can be used to pay the medical expenses incurred by your hospitalization.
The money on your medical card is only the amount in your personal account, that is, 2% of your personal payment and the part contained in the single gallbladder.
Question 5: What does the national pooling of endowment insurance mean? What is a "master plan"?
The so-called overall planning is to plan the collection, management and use of endowment insurance funds in a certain range. The overall planning area is responsible for the balance of the endowment insurance fund in this area, and the balance is mainly dominated and used by the overall planning area. The gap generally needs to be filled by * * * and the finance at the corresponding level. At present, China's endowment insurance is a provincial overall plan.
The significance of overall planning:
At present, China's old-age insurance model is a combination of social pooling and personal account, with the social pooling part implementing the pay-as-you-go system and the personal account part implementing the fund accumulation system. The premiums paid by the insured and enterprises for the social pooling part are not used for personal accumulation, but mainly used for issuing pensions for retired people; Similarly, the social pooling pension received by the insured after retirement does not come from the premiums paid by himself before, but from the premiums paid by working young people.
In other words, the funds in the personal account belong to the insured individuals, while the funds in the social pooling part belong to all the insured persons in the overall planning area. Therefore, when the pension insurance relationship is transferred across the overall planning areas, the funds in the personal account can be transferred smoothly or taken out at one time, while the social overall planning part cannot be transferred.
Therefore, it can be said that the overall planning of a certain area is directly related to how much pension the retired workers in this area can receive.
Question 6: What is the purpose of pooling funds? The basic medical insurance premium paid by the employer, after deducting the remaining funds and interest income included in the personal account, is the basic medical insurance pooling fund. The overall fund mainly pays the hospitalization expenses reimbursed by the insured according to the specified proportion, the outpatient medical expenses reimbursed by some special diseases according to the specified proportion, the medical expenses of family sickbeds, and the insured who meet the emergency and rescue standards due to illness, are not hospitalized after being rescued by 120 or medical institutions, and are transferred after being rescued by medical institutions.
Question 7: Be in a hurry, and seek the great god. Who knows what the overall fund payment in the picture means? The overall management of medical insurance consists of individual accounts and overall accounts. Overall fund payment is to use the funds in the overall account to pay the related medical expenses of the insured. Pay by account, that is, use your medical insurance card to swipe your card at the pharmacy or clinic.