In order to fully implement the Scientific Outlook on Development, promote the coordinated development of urban and rural economy and society in Hunan Province, accelerate the establishment of a social security system covering urban and rural residents, and solve the problem of rural residents' old-age security, according to the spirit of "Guiding Opinions of the State Council on the Pilot Work of New Rural Social Endowment Insurance", Combined with our province's actual

Hunan Province's new rural social endowment insurance pilot implementation measures

In order to fully implement Scientific Outlook on Development, promote the coordinated development of urban and rural economy and society in our province, accelerate the establishment of a social security system covering urban and rural residents, and solve the problem of rural residents' old-age security, according to the spirit of "Guiding Opinions of the State Council on Launching the Pilot Work of New Rural Social Endowment Insurance" and combined with our province's actual situation, these implementation measures are formulated.

I. Basic Principles

The basic principles of the new rural social endowment insurance (hereinafter referred to as the "new rural endowment insurance") are "basic, wide coverage, flexible and sustainable". First, proceed from the reality in rural areas, start at a low level, and the standards of financing and treatment should be compatible with 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' voluntary participation will guide farmers to participate generally; Fourth, the central and provincial governments determine basic principles and major policies, and local governments formulate specific measures to implement territorial management of insured residents.

II. Mission Objective

Explore the establishment of a new rural insurance system that combines individual contributions, collective subsidies and government subsidies, and combine social pooling with 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 farmers in their old age. In 29, 1% counties (cities, districts) and some specific personnel in the province were selected to start the pilot project, and the pilot project was gradually expanded in 21. In 212, the system covered all counties (urban areas) in the province, and the participation rate reached over 5%. In 22, full coverage was basically achieved.

III. Scope of Insurance

Rural residents who have reached the age of 16 (excluding students at school) and have not participated in the basic old-age insurance for urban workers can voluntarily participate in the new rural insurance at their domicile.

iv. fund raising

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

(1) individual payment. Rural residents who participate in the new rural endowment insurance shall pay endowment insurance premiums according to regulations. At present, the payment standard is set to five grades in 1 yuan, 2 yuan, 3 yuan, 4 yuan and 5 yuan. Cities (states) and counties (urban areas) can add payment grades according to the net income of local farmers; Insured people can choose their own payment grades, and pay more. In accordance with the unified provisions of the state, the province adjusts the payment grade in a timely manner according to the growth of farmers' per capita net income. Insured farmers pay annual fees.

(2) collective subsidies. Conditional village collectives shall give payment subsidies to the insured, and the subsidy standards shall be determined by the villagers' committees. Encourage other social and economic organizations to provide financial support for the insured.

(3) government subsidies. The central government gives full subsidies according to the basic pension standards determined by the central government. Provincial, municipal (state) and county (urban) governments subsidize the insured person's payment. The subsidy standard is currently set at 3 yuan per person per year, and the proportion of specific subsidy funds shall be determined separately by the provincial people's government. For groups with payment difficulties such as severely disabled people in rural areas, the municipal (state) and county (urban) governments should give appropriate subsidies to pay the minimum standard insurance premiums; To choose a higher standard payment, can be given appropriate encouragement, specific standards and measures determined by the municipal (state) people's government.

v. establishing personal accounts

the agricultural insurance agency establishes a personal account for endowment insurance with a lifetime record for each insured person. Individual contributions, collective subsidies, subsidies from other social and economic organizations to the insured contributions, and subsidies from governments at all levels to the insured are all credited to individual accounts, which are completely accumulated and managed in real accounts. The amount stored in individual accounts shall bear interest every year with reference to the one-year deposit rate of RMB in financial institutions announced by the People's Bank of China.

VI. Pension treatment

The pension treatment of the new rural insurance consists of two parts: basic pension and personal account pension, which are paid for life.

The basic pension standard determined by the central government is that each person should be in 55 yuan every month. The municipal (state) and county (urban) governments can raise the basic pension standard according to the actual situation, and the funds for the increase will be paid by the municipal (state) and county (urban) governments.

the monthly calculation and payment standard of personal account pension is the total storage amount of personal account divided by the calculation and payment months (refer to the calculation and payment months of personal account pension of basic old-age insurance for urban enterprise employees). If the insured dies, the balance of his personal account can be inherited according to law, except for government subsidies; The balance of government subsidies is used to continue to pay the pensions of other insured persons.

The new rural insurance pension is distributed in a socialized way, and the recipients receive it at designated institutions.

VII. Conditions for collection.

rural registered insured farmers who have reached the age of 6, paid for 15 years in total, and have not enjoyed the basic old-age insurance benefits for urban workers, will receive the new rural insurance pension on a monthly basis from the month after reaching the age of 6 weeks; At least 6 years of age, the cumulative payment of less than 15 years, from the next month after the completion of 15 years, to receive a monthly pension. Payment of more than 15 years, each additional year of payment, the basic pension increased by 1 yuan (excluding the payment period).

When the new rural insurance system is implemented, the insured farmers who are less than 15 years away from the age of 6 and pay the old-age insurance premium year by year will receive the pension benefits on a monthly basis from the month after they reach the age of 6; Intermittent payment, should pay the pension insurance premium of intermittent years, from the next month to fill the pension insurance premium of intermittent years, receive a monthly pension. I am willing to pay the old-age insurance premium, but the accumulated payment shall not exceed 15 years.

when the new rural insurance system is implemented, the elderly who have reached the age of 6 can receive the basic pension on a monthly basis, but their children who meet the conditions for insurance should pay the insurance premium. I am willing to pay the old-age insurance premium, but the payment period is not more than 15 years.

VIII. Adjustment of treatment

Establish a new rural insurance treatment adjustment mechanism. According to the unified deployment of the State Council, the province adjusted the basic pension standard in a timely manner according to the economic development and price changes.

IX. Fund Management

The new agricultural insurance fund implements two lines of revenue and expenditure management, and keeps separate accounts and accounts. Basic pension and personal account pension fund are managed separately, and basic pension cannot occupy personal account fund. Individual account funds shall be subject to centralized operation and management at the provincial level, and shall be included in the provincial financial accounts, and the fund balance shall be maintained and increased according to the relevant provisions of the state.

the new rural endowment insurance pension is compiled by the county social security department in conjunction with the financial department, reported step by step, and approved by the relevant departments at higher levels, and funds are allocated in time to ensure that the pension is paid in full and on time.

X. Fund Supervision

The administrative departments of labor and social security departments (or human resources and social security) at all levels should earnestly perform the supervisory duties of the new rural endowment insurance fund, formulate and improve various business management rules and regulations of the new rural endowment insurance, standardize business procedures, establish and improve the internal control system and fund audit system, conduct real-time monitoring and regular inspection on fund raising, budget, allocation and distribution, and regularly disclose information on fund raising and payment of the new rural endowment insurance fund, so as to be open and transparent. The financial, supervisory and auditing departments shall exercise supervision according to their respective responsibilities, and it is strictly forbidden to misappropriate funds to ensure the safety of funds. Each pilot county (urban area) publicizes the eligibility for insurance payment and treatment within the administrative village every year, and accepts the supervision of the masses.

Xi. Handling management services

In areas where the pilot project of the new rural endowment insurance is carried out, it is necessary to carefully record the payment and treatment of rural residents, establish insurance files and keep them properly for a long time; It is necessary to establish the information management of the new rural endowment insurance, and incorporate it into the construction of the social security information management system ("Golden Insurance Project"), and make full use of modern information technology and financial networks to provide efficient and convenient services for the new rural endowment insurance work, so as to facilitate the insured to pay fees, receive benefits and inquire about their own insurance information.

local labor and social security departments should establish and improve the new agricultural insurance agencies, and the personnel and working funds of the new agricultural insurance agencies should be included in the fiscal budget at the same level. In addition, according to the particularity of the service of the new agricultural insurance agency and the needs of the work, the people's governments of pilot counties (cities, districts) should ensure the necessary staff and working funds, strengthen the professional training of staff, ensure the necessary funds for the construction of information systems, and improve the management and service capabilities of agencies. For township labor and social security offices, a fund guarantee mechanism linked to the service population and business volume shall be established, and in principle, it shall be included in the fiscal year budget of the pilot counties (cities, districts) according to the standard of subsidizing 3 yuan by each insured farmer, so as to solve the problem of insufficient grass-roots handling personnel by purchasing services.

XII. Institutional convergence and transfer

(1) Institutional convergence. In areas where rural social endowment insurance (hereinafter referred to as "old farmer's insurance") has been carried out with individual contributions as the mainstay and complete personal accounts, it is necessary to properly handle the connection between the new rural endowment insurance and the old farmer's insurance system on the basis of audit and rectification. Who has participated in the old rural insurance, over 6 years of age and has received the old rural insurance pension, can enjoy the new rural insurance basic pension; For the insured who have participated in the old-age insurance, have not reached the age of 6 and have not received a pension, they should continue to pay according to the payment standard of the new rural insurance, and the funds in the old-age insurance personal account will be merged into the new rural insurance personal account, and they will enjoy corresponding treatment when they meet the prescribed conditions.

(2) transfer. When the insured person of the new rural insurance transfers across regions, the new rural insurance relationship and personal account funds can be transferred to the new insured place, accounting according to the relevant standards of the new insured place, and enjoying the corresponding treatment; If the pilot project of the new agricultural insurance has not been carried out in the transfer place, the new agricultural insurance relationship and personal account funds can be temporarily stored in the original insured place, and will be transferred when conditions permit.

XIII. Organization and leadership

In order to actively and steadily promote the pilot work of the new rural social endowment insurance, the provincial people's government set up a leading group for the pilot work of the new rural social endowment insurance with the deputy governor in charge as the leader and the heads of the relevant departments of labor security, finance and public security as members, to study major policies and measures and strengthen work guidance and supervision. There is an office under the leading group, which is located in the provincial labor and social security department and is responsible for the specific work of the pilot.

the people's governments of cities and prefectures should fully understand the great significance of carrying out the pilot work of the new rural endowment insurance, include it in the local economic and social development plan and the annual target management assessment system, and earnestly strengthen organizational leadership. All relevant departments should earnestly perform their functions and do a good job in overall planning, policy formulation, unified management and comprehensive coordination of the new rural insurance.

cities and States should choose eligible counties (cities, districts) and report them to the provincial leading group for examination and approval. Pilot counties (cities, districts) should formulate implementation plans on the basis of full investigation, careful calculation and multi-party demonstration, combined with local conditions, and organize the implementation after being audited by the Municipal People's Government and submitted to the Provincial New Rural Insurance Leading Group Office for approval.

XII. Publicizing and launching

The establishment of a new rural endowment insurance system is an important decision to thoroughly implement Scientific Outlook on Development and accelerate the construction of a social security system covering urban and rural areas. It is also an important measure to cope with the impact of the international financial crisis on China, stimulate domestic demand and promote consumption, and it is a major policy to benefit the people directly related to the vital interests of hundreds of millions of farmers and realize their old age.

all localities should adhere to the correct guidance of public opinion, and strengthen the publicity of the significance, basic principles and policies of the pilot work in an easy-to-understand way, so as to 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 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. Important circumstances should be reported to the provincial pilot work leading group in a timely manner.

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