Legal basis of rural social insurance

Strengthening the construction of rural old-age care system from policy and legislation

The international practice is that the system is stipulated by law. Legal norms are the premise of the orderly development of rural social insurance system. The rural social endowment insurance system is constrained and implemented by legislation, and related matters are stipulated by law, so that the rural social endowment insurance system can be legally followed, reasonable, effective and sustainable. To construct the rural social old-age security system, we should first strengthen the legislation of rural social old-age security, call for the introduction of social security law as soon as possible, standardize the responsibilities of governments at all levels and corresponding functional departments, and provide legal basis for farmers to participate in social old-age security. All localities should formulate specific rural social endowment insurance measures according to the actual situation of local rural economic and social development and the relevant laws formulated by the state, so as to provide a good legal environment for the smooth promotion of rural social endowment insurance.

5.2 Establish a rural social endowment insurance system suitable for the development of China.

At present, China's rural old-age insurance is family-oriented, and community security and state relief are combined. Where conditions permit, explore the establishment of a rural minimum living security system. However, due to the great differences in the level of economic development in rural areas of China, there should be differences in the system, fund source and management of rural social endowment insurance. At the same time, rural labor endowment insurance with different levels and identities should also be solved in different levels and categories; Regardless of the system, we should not only consider the particularity of the rural old-age social insurance system itself, but also consider the integration of rural old-age social insurance and urban old-age social insurance system in the future. According to local conditions, we will gradually promote the reform and innovation of rural social pension security model, that is, realize the transformation from family pension and land pension to social pension, move towards urban-rural integration, adapt the level of security to economic development, combine government guidance with farmers' wishes, implement low standards and wide coverage according to the economic affordability of the masses, and gradually establish a rural social pension security system.

5.3 Reasonable determination of rural social endowment insurance fund financing channels

The core problem of rural social endowment insurance in China is endowment insurance fund, which restricts the development of rural social endowment insurance. Raising rural social endowment insurance funds should adhere to the principle of farmers' individual, collective and state co-financing. Raising funds through tax payment is a common practice of social security system, and the sources of financing for rural social endowment insurance should be regulated through legal forms. It can strengthen the rigidity and compulsion of financing, expand the coverage of the system, improve the ability of social endowment insurance to resist risks, and also help balance the burden between urban and rural areas and regions, thus making the rural social endowment insurance fund have a stable and reliable source. With the development of rural economy and the continuous improvement of farmers' income level, farmers' pensions can be paid like urban workers. Consider paying taxes. We can use the opportunity of rural tax reform to levy rural social endowment insurance tax, and the tax will be directly included in the financial special account, so farmers can receive pensions on a monthly basis when they are old. National finance is the last undertaker of rural social endowment insurance, and it has an unshirkable responsibility in establishing rural social endowment insurance system. The state finance should invest some funds as a supplement to the rural endowment insurance fund when it has the ability, and its sources of funds can be obtained from two channels: one is agricultural tax and agricultural specialty tax. The second is the transfer payment of higher-level finance.

5.4 Establish and improve the rural endowment insurance fund management system.

To strengthen the management of rural social endowment insurance fund, we should improve the fund management system and avoid the risk of fund depreciation and government trust. To manage the rural social endowment insurance fund, we must ensure its preservation and appreciation. To ensure the preservation and appreciation of the endowment insurance fund, two problems must be solved: first, to ensure the security of the fund; The second is to determine the investment scope of the fund. Therefore, it has become a major task for pension fund management institutions at all levels to improve the management and operation ability of funds and avoid the risk of fund depreciation. Its basic requirements are not only to ensure the safety of funds, but also to make an appropriate investment portfolio, broaden the investment field, act as an investment agent and improve the capital appreciation rate on the premise of ensuring safety. With the continuous development and maturity of the capital market, the state should gradually relax investment control and establish the basic organizational structure and infrastructure necessary for pension funds to enter the capital market, so that pension funds can maintain and increase their value through the stock market and other securities markets.

5.5 Strengthen farmers' awareness of participating in insurance.

Due to China's vast territory and large population, the awareness of rural endowment insurance in some areas is not strong. Only when the government and the masses cooperate with each other can the social old-age security work be done well. The establishment of rural social security system means that farmers must change from traditional security consciousness to modern security consciousness, which means that farmers' psychology, living habits and value orientation will undergo profound changes. Therefore, extensive and in-depth publicity has promoted this concept to be accepted by more rural people. It is necessary to raise the awareness of leaders at all levels on the significance of rural endowment insurance, make full use of radio, television, newspapers and other media, widely publicize the significance of the new rural social security, and realize the broad participation of the masses. Only with a deeper understanding of the rural social old-age security can we better mobilize the vast number of rural friends and promote the further development of this work.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.