Rural residents' awareness of social insurance is not strong

People-oriented, the foundation is solid and peaceful ". The core of Scientific Outlook on Development is people-oriented. In the study and practice of Scientific Outlook on Development, the aim is to solve the people's livelihood problems which are strongly reflected by the people. The new rural social endowment insurance system is a system in which individuals, collectives and the state raise funds, and the pension provides economic help and services for the elderly and guarantees their basic livelihood. There is a large agricultural population in our city, and the problem of farmers' old-age care is a top priority. Establishing and promoting a new rural social old-age insurance system is an important measure to implement Scientific Outlook on Development's construction of a new socialist countryside and a harmonious society.

1. Promoting the construction of rural social security system is a concrete action to implement Scientific Outlook on Development

1. Building rural social security system is an urgent requirement to improve urban and rural social security system. Rural social security is an extremely important part of the social security system. However, influenced by the traditional urban-rural dual structure model, China's urban-rural development is extremely unbalanced. The old agricultural security system had many problems, such as low level of security, no government subsidies, no collective subsidies and so on. The new rural insurance system is the reform and improvement of the old rural insurance system, and it is an important part of further improving the social security system in accordance with the policy of "wide coverage, basic security, multi-level and sustainable". The transfer method between the new rural insurance and the old-age insurance system for employees of urban enterprises provides more choices and higher-level protection for farmers. Practice has proved that the new agricultural insurance system has obvious advantages and strong vitality compared with the old agricultural insurance system. Doing a good job in the new rural endowment insurance is not only conducive to improving the social security system and expanding the scale of the fund, but also conducive to ensuring the old-age security of the broad masses of farmers.

2. Perfecting the rural social security system is an objective demand for accelerating rural economic development. Perfecting the rural social security system and carrying out the new rural insurance policy can guarantee to reduce farmers' burden, increase farmers' income, relieve farmers' worries and provide a living security system. The development of the new rural endowment insurance system can promote the system construction of rural society and the coordinated development of rural material and spiritual civilization under the traditional way of providing for the aged. It can be said that the establishment of the new rural endowment insurance system and the improvement of rural social security system are creative practices to realize rural urbanization and have important practical significance for promoting rural reform, development and stability.

3. Accelerating the establishment of rural social security system in our city is an important guarantee to promote the process of rural urbanization. At present, although the level of rural urbanization in our city has been greatly improved, there is still an obvious gap. The dual structure of the city makes farmers still be treated differently in employment and social security, which seriously restricts the process of rural urbanization. Therefore, only when the rural population realizes social security, replaces the traditional social security system and the new old-age security system with modern social security system, and makes full preparations for farmers to enter the urban security system, can we further promote the process of rural urbanization and make the new rural old-age insurance grow and develop.

2. How to promote the construction of rural social security system in our city

1. Strengthen government responsibilities

Establish government subsidies and diversified financing mechanisms. In fact, the original agricultural insurance is a change from individual payment to individual payment, collective subsidy and government subsidy to share the insurance premium. In practice, the government should form a variety of subsidies for insured farmers. Subsidies are basically divided into fixed subsidies and proportional subsidies. The fixed subsidy is generally based on the principle of age: older people make up more and younger people make up less. For example, Rugao City stipulates that the municipal finance will be included in the financial budget according to the standard of 35 yuan per person through direct subsidies or transfer payments. In 28, the payment base and payment ratio proposed by our city were based on the per capita net income of farmers in the previous year. The proportion of individual contributions is 1% of the payment base, and the municipal finance is subsidized by 1% of the total individual contributions. At the same time, encourage qualified village collective economic organizations to give 5-1% subsidies in the collective public welfare fund to be included in the personal account.

2. The system mode has gradually changed from the original complete individual account mode to the mode of combining individual account with overall account.

Generally, the individual payment part enters the individual account; Financial subsidies are all in personal accounts, some in personal accounts, and the establishment of special financial subsidy accounts. Comparatively speaking, the way of all entering personal accounts is more in line with farmers' insurance psychology and their enthusiasm for insurance is higher, which is widely used in various places at present; And our city will adopt the way of unified accounting, which is convenient to connect with other old-age security systems in the future, which is also one of the development directions in the future; At the same time, accelerate the establishment of measures and methods to transfer the old rural insurance account to the new rural insurance account.

3. Establish a reasonable fund-raising base and fund-raising standard, and establish a dynamic payment growth mechanism to ensure that farmers' pension benefits can guarantee their basic livelihood when they retire.

The payment standard of the old rural insurance in our city is voluntary, and there is no specific standard; Now, in order to effectively improve the treatment of rural residents' old-age life, we must raise the annual payment level of old-age insurance to a reasonable payment base, and calculate the expected old-age insurance, which is not lower than the minimum living standard in rural areas of our city. The payment standard is based on the proportion of farmers' net income in the previous year, so the change of payment standard can also improve the change of receiving standard.

3. Difficulties and problems in the construction of rural social security system in our city

First, farmers' awareness of participating in insurance needs to be further enhanced. Farmers' awareness of participating in social insurance is not strong, especially young farmers, and the issue of providing for the aged has not yet attracted attention. At present, most of the insured people are over 5 years old. In addition, due to the imperfection of the rural social endowment insurance system in the past and the decline of national interest rates in previous years, the receiving standard is low. Therefore, it takes a process for farmers to trust and accept the new rural insurance, but we can see the hope of the new rural insurance from the collection of the new rural insurance in 28.

Second, the importance of towns needs to be further improved. There is a lot of work in the township center, and the task of "two modernizations" construction and attracting investment is heavy, which involves a lot of energy. Therefore, some towns pay insufficient attention to the new rural insurance work. Other towns think that the agricultural insurance work is a matter of the labor and social security department, which has little to do with towns and villages and lacks work initiative. As a result, the progress of promoting the new rural insurance in various towns is different.

Third, the policies of rural social security system need to be further improved and strengthened.

first, the municipal financial subsidy should be further increased, and the town and village levels should also give appropriate subsidies, so that most farmers think that the financial subsidy is very cost-effective and practical, and they can actively participate in the insurance.

second, improve the specific provisions of the rural social security system, and make it clear that the pension benefits will increase according to economic growth, price index and the growth of rural minimum living standard. Because farmers are not clear about whether they can grow and how often they grow, the criteria for each growth are not clear, and they have no bottom in their hearts. It is suggested to introduce a hard and long-term mechanism for wage adjustment.

Third, it is necessary to further strengthen the team building of rural social security system and increase financial input. Agencies and towns generally reflect that the funds for the construction of rural social security system are insufficient, and the town finance cannot provide funds to solve the expansion and promotion of rural social endowment insurance. Village cadres also believe that the new rural insurance system has no financial subsidies and needs to be done by one household, so the enthusiasm for work has been greatly affected. Therefore, it is the concrete embodiment of scientific management to properly solve the problem of funds and give incentives.

IV. Specific measures to accelerate the construction of rural social security system in our city

1. Intensify publicity. In Dafeng radio, television, newspapers and other news media, open up new rural insurance publicity columns, organize special reporting activities, and timely publicize new rural insurance policies, typical cases and work experience; Organize the compilation of 1, copies of "Questions and Answers on New Rural Insurance Knowledge" and a letter to rural residents in the city, and distribute them to village groups and farmers, who will post them in the eye-catching parts of village affairs and densely populated areas; Towns (districts, streets) combine their own reality, and adopt mobile propaganda vehicles, policy and business information desks, radio and television broadcasts at regular intervals, slogans, banners, columns, exhibition boards and other forms to carry out all-round and bombing propaganda; Carry out publicity and research activities on the new rural endowment insurance. In view of the new situation and new tasks faced by the construction of new countryside and the promotion of new rural insurance, we should organize grass-roots employees, conscientiously sum up the characteristics and successful practices of the local new rural insurance promotion, form a number of quality papers and research reports, and timely reflect the local situation and practical experience, so as to further promote the new rural insurance work and further improve the system.

2. Increase the administrative thrust. The whole society is studying and practicing Scientific Outlook on Development. In order to truly embody the learning results in solving people's livelihood problems and solving the goal of "providing for the elderly" for rural residents, the government should first continue to incorporate the implementation of the new rural insurance system into one of the important indicators for doing practical things for the people. In addition to issuing hard task indicators to towns and districts, we should also improve the corresponding assessment system, increase the assessment methods, organize special inspection teams to supervise the progress of work in towns and districts, and announce the inspection results at the same time, so as to reflect the position ranking of various places in this work with specific data. It is necessary to form a city-wide long-term assessment mechanism for these work contents, so as to promote the attention of leaders of various departments and improve the enthusiasm of towns.

3. Relax the living allowance for the elderly. In order to increase the enthusiasm of the masses for insurance, we have further improved the old age subsidy system, simplified the handling procedures, and improved the efficiency of this work. As long as the senior citizens who meet the enjoyment conditions stipulated in the measures and one family member who participates in the new rural insurance can apply for an old-age subsidy, so that the broad masses of farmers can truly feel the measures taken by the party and the government to benefit the people.

4. speed up the transition between the old farmers and the urban insurance. The new rural basic old-age insurance system framework is basically consistent with the urban workers' basic old-age insurance system. All of them are based on age and relative payment standards. We gradually realize the convergence of the new rural old-age insurance and the basic old-age security system for urban workers by adjusting the payment base and establishing the adjustment fund and fund settlement system.

5. Work funds are included in the finance. Agricultural insurance, which accounts for half of the social security objects in the city, is the only non-financial appropriation unit. Not to mention the rapid development of agricultural insurance business, even its own survival is difficult. Therefore, in order to achieve a "sense of security for the elderly" covering the new rural insurance in the whole city, it is necessary to have a stable and United rural insurance team. In the future, rural insurance funds will participate in the financial accounting, which will not only solve the worries of the future development of rural insurance, but also enable the financial department to have a more positive and clear understanding of the situation of rural insurance, which has a decisive advantage in increasing the corresponding administrative thrust of rural insurance business in the future.

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