"New Rural Insurance" looks forward to "from point to face".

The "new agricultural insurance" has been piloted for less than half a year, helping nearly 3 million farmers realize the transformation from "family pension" to "social pension". However, in order for more farmers to enjoy the benefits brought by the new agricultural insurance, there are still many problems to be solved.

Family mutual assistance and raising children to prevent old age have been the traditional mode of providing for the aged of Chinese farmers for thousands of years. Since 2009, with the implementation of the "new agricultural insurance" policy, this model has been quietly innovated, and the "social pension" previously enjoyed only by urban residents has become possible in the rural areas of 12 pilot counties in our province.

"Social providing for the aged" enters the countryside

Pei Shoucai, a 68-year-old farmer from Zaolin Village, Shanhou Town, Hexian County, never dreamed that in his twilight years, he, who had been a farmer all his life, would be able to receive a monthly pension like the "public family" in the city.

Pei Shoucai said he would never forget "January 27, 2010" in his life. On that day, the Hexian people's cooperative department began to distribute the first batch of new rural social endowment insurance pension in various towns and villages, and Pei received the first pension in his life. Recalling the scene of that day, the old man still could not restrain his joy: "when I was young, I especially envied the workers, Big Brother, who had a pension and a sense of security when he was old." Oh, now we have old people in the countryside, too. "

Pei Shoucai's happiness benefited from the "new agricultural insurance" policy. In August 2009, the State Council deployed in 10% of the counties (cities) selected to carry out a new rural social endowment insurance pilot, our province and counties, Dangtu, Tongling and other 12 counties then became the new agricultural insurance pilot.

The "new agricultural insurance" adopts the combination of individual contributions, collective subsidies and government subsidies, in which the central government will subsidize the local governments and directly subsidize the farmers. In the payment structure, the new agricultural insurance is divided into two parts: basic pension and individual account pension. The former is fully guaranteed by the state finance, which means that farmers will enjoy the state's universal pension after the age of 60, which is currently 55 yuan per month.

In view of the fact that the new agricultural insurance policy is another major policy to benefit farmers after the abolition of agricultural tax, agricultural direct subsidy and the new rural cooperative medical system, governments at all levels in our province have taken positive and effective measures. Guzhen, Mengcheng and other pilot counties regard this work as the most important livelihood project. Hexian has set up a "one-stop" service network for insurance payment in each village department to ensure that farmers can participate in insurance payment and receive pension if they are not enough to leave the village. "at present, the pilot work of new agricultural insurance is being carried out actively and steadily throughout the province." According to the person in charge of the Agricultural Insurance Department of the Provincial people's and Social Affairs Department, as of March 30, the cumulative number of participants in the pilot area reached 2.847 million, with an insurance participation rate of 53.42%.

The pilot project shows the characteristics of Anhui Province.

In the investigation on the implementation of the "new agricultural insurance", the reporter learned that the new agricultural insurance policy in our province has been consistent with the new agricultural insurance policy of the State Council in terms of guiding ideology, scope of participation, payment plan, and receiving conditions, and has made regulations on some specific policies in the light of the actual conditions of the province.

According to the person in charge of the Agricultural Insurance Department of the Provincial people's and Social Affairs Department, on the setting of payment levels, the implementation opinions of the provincial government have set up five payment levels of 100-500 yuan, and nine pilot counties have added payment grades according to the local reality; in terms of payment subsidies, the provincial government has determined that the subsidy standard is not less than 30 yuan per person per year, and 10 pilot counties have raised the standard of payment subsidy. In terms of guiding young and middle-aged farmers to make long-term contributions, for those who have made long-term contributions for more than 15 years, the basic pension will be increased by 1% for every year, with a maximum of no more than 10%, and the additional basic pension will be borne by the finance of the pilot county; it is clear that the government of the pilot county will fully pay the old-age insurance premium for the severely disabled according to the minimum standard. This paper puts forward the specific connection methods between the new agricultural insurance and the old peasant insurance, the old-age insurance system for village cadres and the population family planning policy.

It is also understood that before the start and implementation of the national new agricultural insurance pilot work, our province has explored and carried out the new agricultural insurance work in some places. As early as 2007, the provincial party committee and the provincial government proposed to "carry out the pilot reform of the rural social endowment insurance system." gradually establish a rural social endowment insurance system dominated by individual accounts, supplemented by collective subsidies and government subsidies, and linked up with other social insurance. Accordingly, Maanshan, Wuhu, Huoshan and other places have carried out new agricultural insurance exploration work, "these attempts provide useful experience for the current new agricultural insurance pilot work." The relevant person in charge of the Agricultural Insurance Office of the Provincial people's and Social Affairs Department pointed out.

After the launch of the national new agricultural insurance pilot project, all parts of the province have shown great enthusiasm for carrying out the new agricultural insurance work. At present, in addition to the 12 counties listed in the national new agricultural insurance pilot, 18 counties (districts), including Huaiyuan, Feixi and Nanling, have also formulated and promulgated new agricultural insurance pilot measures in accordance with the requirements of the national and provincial government's new agricultural insurance policy. the aim is to lay the foundation for entering the national pilot project in the future.

Hope that the policy will be covered by the sunshine.

Hexian and Wuwei County are closely adjacent to each other and belong to Chaohu City. However, farmers in Hexian County can participate in the new agricultural insurance, while farmers in Wuwei County can not participate in the insurance because they have not been included in the pilot and can not enjoy state subsidies. In this regard, Wuwei County farmer Pan Dajun looked confused: "ground to ground, room to room, local accent is the same, why the policy differences are so big?"

The confusion of farmer Pan Dajun points out the number one problem in the new agricultural insurance work: the state is only conducting a pilot project in 10% of the country's counties, and it is not expected to achieve "full coverage" until 2020. As far as our province is concerned, only 12 of more than 100 counties and districts have been included in the pilot project. This means that the pilot project of new agricultural insurance obviously has the problems of too narrow scope and too long time to achieve full coverage. "since it is an inclusive policy, it should be enjoyed by everyone, and it should not take 10 years to achieve the equalization of the system." In the interview, many farmers who have not yet participated in the insurance hope that the state will speed up the pace of pilot projects so that they can enjoy the benefits brought by the new agricultural insurance policy as soon as possible.

After the implementation of the new agricultural insurance in the pilot areas, the response is very good, especially welcomed by the elderly residents in rural areas. However, in cities, some elderly people who have no work unit, no job and no pension also face the problem of providing for the aged. The 52-year-old Minsheng Zhongyu in Xuancheng used to work in a collective enterprise when he was young, but has been doing odd jobs since the company closed down, and now mainly depends on part-time jobs. In the face of the reporter's interview, Sheng Zhongyu sighed many times: "when can the government introduce policies to benefit the people, so that urban residents like us can also participate in old-age insurance and stop worrying about the rest of life?"

There is a clause in the current new agricultural insurance policy: the old people registered in rural areas who have reached the age of 60 and have not enjoyed the treatment of basic old-age insurance for urban workers shall not have to pay fees when they participate in the insurance and can get the basic old-age pension every month, but the children who meet the conditions for insurance should be insured. "this is actually bundling the insured." Some grass-roots social security workers explained to reporters that at present, most people over the age of 60 in rural areas have more than one child, and some farmers feel that it is not worthwhile after doing accounts, so they are unwilling to participate in insurance. In addition, if the children of the elderly are unable to participate in insurance, the elderly will not be able to enjoy a basic pension of 55 yuan a month. But if you cancel the bundling regulations, it will cause the insured objects to be unwilling to take out the money to insure.

The current regulations are not clear enough about the minimum standard of the new agricultural insurance to adjust the basic pension. It only mentions that "the standard of adjusting the basic pension of the new agricultural insurance should be timely adjusted according to the economic and social development and price changes", but the amount that can maintain and increase the value is not clear. "prices continue to rise. After paying premiums for many years, can the basic pension of 55 yuan still be used?" In the interview, many farmers expressed such worries.

"although there are still some practical obstacles to be overcome in the pilot work of the new agricultural insurance, we firmly believe that the spring of rural old-age insurance has arrived." The person in charge of the Agricultural Insurance Department of the Provincial people's and Social Affairs Department said confidently. (Wu Yonghong)