Effectively manage social security "affiliated payment"
The "affiliated payment" of social security reflects the problem of insufficient basic public services in my country.
After more than half a year of special rectification, the phenomenon of "affiliated payment" for social security has basically been curbed.
For regulatory authorities, it is necessary to plug loopholes, clear guidance, and strengthen services.
The social insurance rights and interests formed through "affiliated payment" should be handled prudently, and should not be completely erased "one size fits all".
The Measures for the Administrative Supervision of Social Insurance Funds, which came into effect on March 18 this year, proposed that employers and individuals who defrauded social insurance benefits by fraud, forged certification materials or other means will be punished in accordance with relevant laws and regulations.
Immediately, local human resources and social security departments successively released news to rectify violations of laws and regulations that are suspected of defrauding social security benefits, such as affiliated insurance, fictitious insurance, etc.
More than half a year has passed, what is the effect of rectifying social security "affiliated payment"?
Judging from the operation situation, the phenomenon of social security "affiliated payment" has basically been curbed, and some companies have successively stopped related businesses due to penalties.
Previously, many e-commerce platforms were able to find social security "affiliated payment" services. Now, when the reporter went to a shopping APP to search for social security affiliates or social security payment, it all showed that "no relevant treasures were found".
The person in charge of a human resources company in Beijing told reporters that "personal payment on behalf of individuals" is prohibited. In the future, individual social security for flexible employment will be directly provided by the public service platform to provide unified services.
"Enterprise entrusted payment" will also face rectification. In the future, the employment of enterprises in the territory of the enterprise must also comply with the labor contract, social security, and individual tax subjects.
Why is there a situation where social security is "affiliated with payment"?
How to prevent this behavior?
It is understood that the current laws and regulations on social security deposits in my country stipulate that there are two ways for workers to participate in social insurance: unit participation and individual participation.
The unit's participation in the insurance requires the laborer and the employer to conclude a labor contract and establish a labor relationship. Individual participation in the insurance has household registration restrictions.
Li Changyin, an associate researcher at the Chinese Academy of Labor and Social Security, believes that for enterprises, choosing social security to "pay on behalf of others" can reduce costs; for flexible employees, factors such as female schooling, house purchases and car purchases must comply with local social security payments Policy, in the case of no local household registration, only choose social security "affiliated payment".
Industry experts said that there are risks associated with social security, and disputes often arise because of this.
For example, after some intermediaries charge handling fees, they do not look for companies to rely on social insurance for individuals, but directly take away their social insurance premiums; there are also affiliated companies that refuse to renew insurance for individuals, and individuals face the dilemma of being unable to continue to pay premiums.
The "affiliated payment" of social security reflects the problem of insufficient basic public services in my country.
Zheng Bingwen, director of the World Social Security Research Center of the Chinese Academy of Social Sciences, believes that at present, different places have different insurance conditions and social security benefits, and there are large gaps in insurance policies and technical conditions, which lead to many people facing difficulties in insurance.
There are also information barriers between regions, a unified national social security deposit information system has not yet been established, and there are loopholes in the policy connection between regions.
Cleaning up illegal and illegal behaviors such as affiliated participation in insurance, fictitious participation in insurance conditions, etc. is not only a necessary measure to clear obstacles for the establishment of a national unified social security information platform system, but also an important action to lay a data foundation for the original source of social security relations, and it is also to further promote social security. It is an inevitable requirement to manage the process of rule of law.
For regulatory authorities, it is necessary to plug loopholes, clear guidance, and strengthen services.
Experts said that, on the one hand, open the front door and open the door to further improve the social security system.
According to my country's economic development situation, establish a social security payment policy that can not only promote the development of enterprises, but also make a reasonable balance of funds.
For flexible employment personnel, reasonable payment grades and standards should also be set.
Establish nationally unified standards and conditions for entry into insurance, speed up the construction of a nationally unified social insurance participation information system, and form a nationally unified social insurance information platform.
In addition, the overall level of social security should be gradually improved.
"At present, except for endowment insurance, there is no fundamental solution to improving the level of fund pooling for other insurance types, and it is not realistic to achieve all provincial-level unification of policies and benefits in the short term." Li Changyin suggested that for areas with relatively concentrated inflows and outflows, it is also possible to explore Coordinate within the region.
On the other hand, blocking the side door, through centralized cleanup and dynamic law enforcement supervision, timely stop and correct illegal and illegal insurance participation behaviors, and punish those illegal behaviors that profit from edge balls.
For those who have been "affiliated and paid", experts suggest that if they meet the conditions for participating in the unit's insurance, they should set a reasonable timetable for rectification; if they meet the requirements of participating in the insurance as an individual, they should guide flexible employees to go to the local agency to handle it on their own.
The social insurance rights and interests formed through "affiliated payment" should be handled prudently, and should not be completely erased "one size fits all".
Lin Zixiao