Improve multi-level pension insurance system (economic new orientation, focus "145" goals)

How to further improve the income rate of pension insurance? What is the multi-pillar pension insurance system, how to develop? The reporter interviewed the person in charge and expert of the relevant divisions of the Ministry of Social Development. Let go of the flexible employment personnel in employment to participate in the household registration restrictions, the new rural social pension insurance, urban residents’ social pension insurance, and promote the reform of the pension insurance system of the institutions institutions, promote the basic pension insurance fund of the enterprise employee to achieve the provincial-level harvest … … Since the 18th National Congress, my country has basically completed multi-level social security system covering the whole people, urban and rural overall planning, clear security, moderate protection, and sustainable.

As of the end of March this year, the number of basic pension insurance in my country is 100 million, and the basic endowment insurance is more than 90%.

"In particular, my country continues to improve the difficult group of urban and rural residents’ endowment insurance, since September 2019, the nation’s finance rate has been stable in%.

"Tessage Professor Dong Ji, the professor of Tsinghua University School of Social Science, with more than 30.14 million poor elderly in the end of 2020, received basic endowment insurance, including 17.35 million, branch of poverty old people.

According to the person in charge of the Pension Insurance Division of the Ministry of Human Social Society, at present, my country’s basic pension insurance systems include two major system platforms of urban workers and urban and rural residents.

Among them, all kinds of employees such as institutions, urban enterprises, and social organizations should participate in the basic endowment insurance, units and employees of urban employees to pay basic pension insurance premiums; individual industrial and commercial industrial households without employed workers, did not participate in the basics in the employer Non-full-time practitioners and other flexible employees of pension insurance, and other flexible employees can participate in the basic pension insurance of the enterprise employee, and the basic endowment insurance premium is paid by the individual. The person in charge introduces that the basic endowment insurance has not been involved in the focus of migrant workers, flexible employers, and new state practitioners.

"Next, the human society will in depth, the national insured plan, focus on key people, relying on the accurate positioning of the national insured registration data, etc., implement accurate push-out publicity services to achieve basic endowment insurance rendering of 95 %The goal.

"At the same time, the Ministry of Human Social Social Social Social Society will drive the restrictions of household registration of household registration in the province in employment, actively promote the new state employees, flexible employees, etc., such as new state employees, and participate in the basic pension insurance of enterprises. Enterprise staff basic pension insurance national co-ordination information system talked about the pension insurance system, the national co-ordination topic is concerned. The "14th Five-Year Plan" is clearly proposed to achieve the national 上海娱乐水磨价格 overall planning of basic endowment insurance. "Currently, the basic pension insurance national overall plan has already A better basis. The person in charge of the Pension Insurance Division of the People’s Social Security said.

As of the end of 2020, the three1 provinces and Xinjiang Production and Construction Corporate employees’ basic pension fund management realized provincial-level harvesting branches, balanced in the province’s fund burden.

Most provinces have realized the province of the pension insurance business, the insured personnel flow employment in the province, its pension insurance relationship is automatically continued, and does not require a transfer fund.

The central toner system has been established.

As a first step in achieving national co-ordination, my 上海飞机店kb country launched in 2018 to implement the central tuning system of the basic endowment insurance fund of enterprise employees. Through the central part of the unified adjustment, moderately balance the burden of the provincial fund, strongly supports the full amount of the central and western and old industrial base pensions.

– The pension insurance policy of each province has gradually unified. At present, the policy of payment of pension insurance units, and the provision of the payment base verification method has basically realized unified, reducing the payment of enterprises and insured personnel, promoting the fair and market fairness.

– National unified social insurance public service platform has been completed. Social insurance public service platform is officially launched in 2019, providing social security inquiry, entrant registration, transferring, application of unemployment, etc., and applys to unemployment.

"Next, the human society will adhere to the principle of fair and unity, consistency, and step-by-step principles, and to ensure the preparations, including the development of specific implementation methods of the national co-ordination, building a national unified information system, optimize the processes.

The person in charge of the Pension Insurance Division of the Ministry of Human Social Social Social Security said that the Ministry of Human Social Social and Social Social Social Social Social Social Social Social Social Social Social Social system planned into the national co-ordination information system of enterprise employees, and will accelerate the national centralized management of pension insurance data. "After the pension insurance realizes the national overall situation, will Solving the structural contradictions of the funds in the system, the system will be more equitable and more sustainable, and the pension is more secure, and the transfer is more convenient and fast.

"Dall said.

Standardize the development of the third pillar pension insurance, promote the introduction of personal pension system what is multi-level, multi-pillar pension insurance system? At present, my country has initially constructed basic pension insurance based on enterprise (professional) annual, "three pillars" pension insurance system with individual savings pension insurance and commercial pension insurance. The first pillar, the basic pension system, the country, unit and individual burden, adhere to full coverage, basics. As of the end of 2020, the basic endowment insurance insured hundreds of millions of people (which received hundreds of millions of people), accumulated the fund trillion; urban and rural residents basic endowment insurance insured hundreds of millions of people (which actually received hundreds of millions of people ), Accumulated funds 9.759 billion yuan.

The second pillar is the enterprise (occupation) annuity system, the unit and individual burden, and the implementation of complete accumulation, marketing operations.

As of the end of 2020, the country participated in the enterprise (occupation) annuity of 69.53 million, and the accumulated fund billion yuan. The third pillar is personal savings pension insurance and commercial pension insurance. At present, there is no official system arrangement.

"The first pillar mainly exerts the role of basic life, the second pillar, the third pillar is used to increase retirees revenue." Dong Ke said, in recent years, my country’s enterprise (professional) annuity has developed rapidly, 2007-2019 The annual annual annual income rate of the annuity fund is reached. However, for a large number of flexible employees, the enterprise (professional) annuity system cannot be included, and the third pillar of the development of pension insurance is imminent.

According to the person in charge of the Pension Insurance Division of the Ministry of Human Social Society, the development of "third pillar" has basic ideas. The overall consideration is based on accounting, and individual voluntary participation. The national finance is supported from taxation, and the funds form marketization. Personal pension system of investment operations. "Bank financial management, savings deposits, commercial pension insurance, and public fund funds can be an investment range of personal pensions. We will improve the company’s annuity coverage, and promote the stable and regulation of professional annual market investment operations; on the other hand, standardize development The third pillar endowment insurance, promotes the introduction of personal pension system, will formulate support for supporting policies in relation to relevant departments. "(Responsible: Chen Chen, Xuan Zhaoqiang) Sharing let more people see.