Endowment insurance benefits in 10 provinces this year are determined: Encouraging overpayments will affect hundreds of millions of people
Sino-Singapore Jingwei Client April 2 (Dong Xiangyi) According to incomplete statistics of Sino-Singapore Jingwei Client, starting from January 1, 2020, Beijing, Guangdong, Zhejiang, Shaanxi, Tianjin, Chongqing, Anhui, Jiangsu, Provinces, regions, and cities in Tibet, Inner Mongolia, and other regions have implemented the newly revised implementation plan for basic endowment insurance for urban and rural residents, adjusted the standard of individual payment grades in many places, and increased the maximum payment limit.
It is understood that in 2018, the number of people participating in insurance premiums was 510 million, and the number of people receiving benefits exceeded 150 million. With the continuous improvement of the basic pension insurance system for urban and rural residents, urban and rural residents are expected to receive higher levels of pensions.
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Adjust urban and rural endowment insurance in multiple places
First of all, popularize it. At present, China has established two major system platforms for employee basic pension insurance and urban and rural residents' basic pension insurance. In simple terms, the former is distributed to employees of urban enterprises, institutions and institutions, while the latter is distributed to non-working residents and rural residents.
The "Basic Pension Insurance Benefit for Urban and Rural Residents" mentioned in this article consists of a basic pension and a personal account pension, which is paid monthly and paid for life. Among them, the basic pension is determined by the central and local standards; the personal account pension is determined by dividing the total savings of the personal account by the calculation coefficient.
On March 30, Beijing announced the basic pension insurance payment standards for urban and rural residents in 2020. Based on the city's economic development and income growth of urban and rural residents, considering the economic affordability of the insured, the minimum payment standard is 1,000 yuan, and the maximum payment standard is 9,000 yuan. . This standard remains unchanged from last year.
The Sino-Singapore Jingwei client combed and found that in addition to Beijing, from January 1, 2020, including Guangdong, Zhejiang, Shaanxi, Tianjin, Chongqing, Anhui, Jiangsu, Tibet, Inner Mongolia and other provinces, autonomous regions and municipalities to implement the newly revised basic urban and rural residents Endowment insurance implementation plan.
From the perspective of local adjustments, three main tasks are clearly defined: first, to improve the mechanism for determining benefits; second, to establish a normal adjustment mechanism for basic pensions; and third, to establish a standard adjustment mechanism for individual payment levels. In addition, many places require the preservation and appreciation of personal account funds, the provincial-level collection and entrusted investment of basic endowment insurance funds for urban and rural residents, and the improvement of personal account pension levels and fund payment capabilities.
Increase in personal payment grades
The client of Zhongxin Jingwei noted that the payment level has been adjusted many times since this year, and the insured can choose the level independently.
Taking Chongqing as an example, the individual payment level was adjusted from the original 12 levels to 13 levels. The minimum payment level was still 100 yuan per person per year, and the highest level was adjusted to 3,000 yuan per person per year.
Anhui also added payment levels, based on the original 12 levels including 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1,000 yuan, 1500 yuan, 2000 yuan, and 3000 yuan. There are 3 grades: 4,000 yuan, 5,000 yuan and 6,000 yuan.
Tibet raised the minimum payment level from 100 yuan to 200 yuan, and added three higher payment levels of 3,000 yuan, 4,000 yuan, and 5,000 yuan. After adjustment, a total of 15 payment levels were available for urban and rural residents to choose.
Tianjin stipulates that the standard of the first to fifth gears remains unchanged, which is still 600 yuan to 1800 yuan, with a gap of 300 yuan; the standard of six to ten gears is appropriately raised to 2400 yuan to 4,800 yuan, and the gap is 600 yuan.
The reason for this adjustment is that the Tianjin Municipal Bureau of Human Resources and Social Security stated that the original lower one to five levels will be kept without adjustment, mainly because of the economic ability of low-income groups, especially the poor and marginalized groups, which is conducive to this group's ability to participate in annual insurance payment. ; Raising the payment standards of six to ten files can allow residents with better economic conditions to increase the accumulation of personal accounts by choosing premium payments. "Not only taking into account the low-income group, but also can widen the spread appropriately through high-end."
Guangdong cancelled one payment grade and adjusted the original ten payment grades to nine grades: 180 yuan, 240 yuan, 360 yuan, 600 yuan, 900 yuan, 1200 yuan, 1800 yuan, 3600 yuan, and 4800 yuan each year.
Data source: Baotu.com
Reflect the appropriate tilt, pay more
In order to further improve the incentives of the system, the policies for the elderly insured are appropriately tilted in many places. There are also relevant incentive mechanisms for long-term payment, which reflects that overpayment is more.
In fact, in 2018, the Ministry of Human Resources, Social Security and the Ministry of Finance issued a heavy document, namely, the "Guiding Opinions on Establishing the Basic Endowment Insurance Benefits for Urban and Rural Residents and the Normal Adjustment Mechanism for Basic Pensions", which states that: Actually raise the standard of basic pensions, and give appropriate preferences to urban and rural elderly residents aged 65 and above; for long-term contributions, exceeding the minimum payment period, the basic pension should be appropriately increased.
Let's look at the policies of various places again: Take Tibet as an example, the basic pension for each insured person between the ages of 65 and 69 increases by 10 yuan per month; the basic pension for each insured person aged 70 and over increases per month 20 yuan. In addition, if the payment period is more than 15 years, every additional year, 5% of the basic pension of the year will be added.
Tianjin made it clear that the basic endowment insurance policy for urban and rural residents embodies the "export-side" incentive principle for benefits. If the accumulative payment period of the insured person exceeds 15 years, the basic pension will be increased by 4 yuan per month for each additional year.
Guangdong clarified that for the insured with a payment period of more than 15 years, a basic pension of not less than 3 yuan will be paid every month for more than one year.
Both Anhui and Shaanxi have proposed that for each insured person who pays a premium for more than 15 years, the basic pension shall be paid at least 2 yuan per person per month for each additional year.
Zhang Yinghua, executive researcher of the World Social Security Research Center of the Chinese Academy of Social Sciences, said that the mechanism of "multiple contributions and multiple supplements" is designed to encourage insurance participants to increase their contributions and obtain higher pensions in the future, thereby improving the degree of security.
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Pension entrusted investment scale has exceeded one trillion yuan
How much is the basic old-age insurance fund for urban and rural residents? According to Fu Jinling, director of the Department of Social Security of the Ministry of Finance, the total national fund revenue in 2018 was 387 billion yuan, with a total expenditure of 293.8 billion yuan, with a balance of 93.2 billion yuan that year and a cumulative balance of 727.4 billion yuan.
In January this year, Lu Aihong, a spokesperson for the Ministry of Human Resources and Social Security, said that as of the end of 2019, 22 provinces (autonomous regions and municipalities) had signed entrusted investment contracts for basic pension insurance funds, with the total entrusted amount reaching 109.3 billion yuan. Among them, 19 provinces (autonomous regions and municipalities) have started entrusted investment in the basic pension insurance fund for urban and rural residents, with a contract value of 212.3 billion yuan, an increase of 135 billion yuan year-on-year. The investment income of the basic pension insurance fund has achieved steady growth.
According to previous reports by the Economic Reference Daily, several authoritative sources revealed that in addition to promoting the national overall planning of the basic pension insurance fund and comprehensively promoting the reform of the pension system of institutions and institutions, pensions will be strengthened into the market, and urban and rural residents' pension investment will be in 2020. Achieve national coverage before the end of the year.
Dong Dengxin, director of the Institute of Finance and Securities of Wuhan University of Science and Technology, believes that as the accumulation of basic pension insurance funds continues to grow, the scale of fund custody and market entry will gradually increase. (Zhongxin Jingwei APP)
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