Actively guide new business practitioners to participate in insurance

my country's basic pension insurance is a statutory social insurance established by the state, including the basic endowment insurance of urban employees and the basic endowment insurance of urban and rural residents. According to the provisions of the Social Insurance Law, the basic pension insurance of urban employees has the following main characteristics: First, employees should participate in basic pension insurance, and employers and employees shall pay the basic endowment insurance premiums; Basic endowment insurance funds are composed of employers, personal payment, and government subsidies. Third, employers shall pay the basic pension insurance premiums in accordance with the proportion of the total wages of employees stipulated in the national regulations. The basic pension insurance premiums are paid in accordance with the proportion of my salary stipulated in the state, and the personal account is recorded; the fifth is the individual industrial and commercial households without employees, the non -full -time employees who do not participate in the basic pension insurance in the employer, and other flexible employees can participate in the basic Pension insurance, and the basic endowment insurance premium shall be paid by individuals in accordance with national regulations, and will be recorded in the basic endowment insurance overall funds and personal accounts. Six, when the basic endowment insurance fund has insufficient payment, the government will subsidize the government.

In addition, in accordance with the provisions of the Social Insurance Law, the state establishes and improves the new rural social endowment insurance system and urban residents' social endowment insurance system. Among them, the new rural social endowment insurance is combined with personal payment, collective subsidy and government subsidy. Personal payment is included in a personal account, and the treatment consists of basic pensions and personal account pensions. Local governments at all levels can combine urban residents' social endowment insurance and new rural social endowment insurance.

Therefore, my country's basic endowment insurance not only reflects the characteristics of social insurance, diversified risks, and strong affordable social insurance in the traditional sense, but also emphasizes the self -protection consciousness and incentive mechanism of individual employees or residents.

In recent years, with the continuous deepening of my country's pension insurance system reform, the expansion and expansion of the basic pension insurance areas have continued to increase, and the number of participants has continued to increase. As of the end of June this year, the number of basic pension insurances across the country was 1.04 billion, an increase of 11.66 million from the end of the previous year, and the insured rate increased to 95 %. Among them, the number of basic pension insurance for urban employees was 493 million, an increase of 12.43 million over the end of the previous year; the number of basic pension insurance for urban and rural residents was 547 million, a decrease of 770,000 from the end of the previous year. The number of urban and rural residents and urban employees participating in basic pension insurance, which reflects some of the people who originally participated in the basic endowment insurance of urban and rural residents this year to participate in the basic pension insurance of urban employees, which is in line with the development of basic pension insurance in my country. trend.

At present, the basic endowment insurance of enterprise employees is mainly concentrated in migrant workers and new employment practitioners. In the context of rapid development of industrialization and urbanization, more and more migrant workers transferred from rural areas to non -agricultural industries and towns. In 2021, the total number of migrant workers in my country has reached 292 million, of which 121 million local migrant workers, an increase of 4.1 % year -on -year; 172 million migrant workers and 80 million employed people across provinces. However, only a part of migrant workers who enter the city workers participate in the basic endowment insurance of the enterprise employees. Hundreds of millions of migrant workers are in the mobile employment and insurance payment between urban and rural and cities. In the future, the basic pension insurance in my country needs to be resolved urgently.

It is worth mentioning that with the rapid development of new formats in recent years, there are more and more employees. According to incomplete statistics, the number of workers who provided shared services in 2021 drove 90 million people who provided shared services. The new business field has a tendency to remove labor and platform. At present, because the relationship between the new employment form workers and the platform enterprise is difficult to define it as a traditional labor relationship, platform companies are unwilling to sign a labor contract with the new employment form workers relying on the platform and apply for insurance payment for them according to law. At the same time, due to various factors such as unstable employment, low income, high liquidity, and weak awareness of insured, the new employment format workers have actively participated in the basic pension insurance of urban employees.

8 departments such as the Ministry of Human Resources and Social Security and the National Development and Reform Commission jointly issued the "Guiding Opinions on Maintaining the Rights and Interests of Labor Insurance of Workers' Labor Insurance" in July 2021, requiring localities to let flexible employees participate in the household registration of basic pension insurance in employment. Limit and organize flexible employees who have not participated in the basic endowment insurance of employees to participate in the basic pensions of urban and rural residents and basic medical insurance for urban and rural residents in accordance with regulations, so as to guarantee their full insurance, and urge enterprises to participate in social insurance in accordance with the law. New employment forms of labor relations participate in the corresponding social insurance according to their own conditions, which is conducive to promoting the new employment form workers to participate in basic endowment insurance according to law.

With the continuous development of the economy and society, the form of employment will be more flexible and diversified, and the total amount of various flexible employment personnel such as new formats will continue to grow. It is necessary to further improve the basic endowment insurance policy, increase publicity, and actively guide and promote flexible employees including new format employees to participate in basic pension insurance for enterprise employees in accordance with the law, and weave the "security network" of social security.

(Content source: "Economic Daily" August 8, 2022. Author: Jin Weigang, vice chairman of the Chinese Society of Social Security, Deputy Dean of the National Institute of Systems of Zhejiang University, and researcher at the Sharing and Development Research Institute of Zhejiang University..) Edit: Zhu Yiming, a student reporter from the People's No. student of Zhejiang University Rong Media Center

Responsible editor: Wu Yalan

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