Attention, everyone ~
From May 1st, the contribution rate of basic old-age insurance units for urban workers will be reduced to 16%, and the social security contribution base will be adjusted …
The "Comprehensive Plan for Reducing Social Insurance Rates" issued by the State Council a few days ago will be implemented soon. The plan is clear, and from May 1 ST, the contribution ratio of urban workers’ basic old-age insurance units will be reduced. At present, the proportion of unit payment is higher than 16%, which can be reduced to 16%; At the same time, we will continue to reduce unemployment insurance and industrial injury insurance rates in stages.
The three types of insurance can reduce more than 300 billion yuan throughout the year, benefiting more than 100 million enterprises. In addition, the relevant person in charge of the Ministry of Finance said that the fee reduction will reduce the income of the fund, but it will not affect the issuance of pensions.
Guangdong:It is strictly forbidden to centrally pay the historical arrears of enterprises by themselves.
It is understood that the pension insurance rate in economically developed provinces such as Guangdong and Zhejiang is 14%. In December last year, Guangdong also introduced a series of measures to reduce social security contributions. Previously, Guangdong has realized that the tax authorities have collected social insurance premiums. This time, the provincial government proposed that the social insurance payment method should remain unchanged, and the overall social insurance payment cost of enterprises should be kept stable. It is strictly forbidden for administrative law enforcement agencies to centrally pay the historical arrears of enterprises by themselves.
Maintain the unemployment insurance rate at 1% until the end of 2020, and continue to implement the floating unemployment insurance rate system;
In cities with sufficient savings in the medical insurance fund, the employer’s payment rate will be reduced by stages before the end of 2020, and the rate will be reduced by not less than 0.5 percentage points. At the same time, the average rate of industrial injury insurance in the province will be reduced by 30%.
What does the "Program" specifically include?
Eight parts, including:
(1) the proportion of basic old-age insurance units is higher than 16%, which can be reduced to 16%.
② Continue to reduce unemployment insurance and industrial injury insurance rates in stages, and extend the current phased rate reduction policy for another year until April 30, 2020.
③ Adjust the social security payment base policy.
(4) Accelerate the provincial-level co-ordination of endowment insurance, and realize the provincial-level unified collection and support of funds by the end of 2020.
⑤ This year, the proportion of central adjustment of endowment insurance funds will be increased to 3.5%.
6. Steadily promote the reform of social security fee collection system.
⑦ Establish a work coordination mechanism.
⑧ Earnestly organize and implement the work.
It is estimated that the social security payment burden will be reduced by more than 300 billion yuan in 2019.
What will happen if it is reduced to 16%?
(1) the proportion of unit contributions can be reduced by up to 4 percentage points, without conditions, nor is it a phased policy, but a long-term institutional arrangement.
(2) After the rate reduction in different places, the national rate difference will be narrowed, which is conducive to balancing the burden of enterprise payment, promoting the formation of a fair market competition environment, and also conducive to the gradual unification of national rates.
(3) After lowering the premium rate, the "threshold" of insurance payment will be lowered, which will help improve the enthusiasm of enterprises and employees and bring more employees into the employee pension insurance system.
How to reduce the provinces where the fund expenditure exceeds the income?
The central government will continue to increase financial subsidies and increase the central adjustment ratio of the basic old-age insurance fund for enterprise employees to help these areas ensure that pensions are paid in full and on time after reducing the rate.
How to adjust the payment base and why?
The payment base is an important parameter that affects the social security payment burden of enterprises and individuals. The first part of the "Proposal" is to make it clear that the average wage of employees in full-caliber urban units weighted by the average wage of employees in urban non-private units and urban private units is used as an indicator for verifying the upper and lower limits of the employee contribution base. Second, individual industrial and commercial households and flexible employees can participate in endowment insurance, and choose an appropriate payment base within the range of 60% to 300% of the average salary of employees in full-caliber urban units.
After adjustment, it can more reasonably reflect the actual average wage level of the insured, and the payment base of employees with lower wages can be reduced accordingly, thus reducing the payment burden. The payment burden of some enterprises can also be further reduced, which can benefit more.
What is the scale of fund central adjustment this year?
In 2019, the proportion of central fund transfers will increase to 3.5%. It is estimated that the annual fund transfer scale will be about 600 billion yuan, and the beneficiary provinces will benefit about 160 billion yuan.
Will pension payment be affected?
The overall income of the national endowment insurance fund exceeds its expenditure, and the accumulated balance keeps increasing, which will not cause the risk of pension payment on the whole and will not affect the timely and full payment of pensions. This year, the overall increase in the basic pension level of enterprise retirees is 5%, and it is estimated that about 100 million enterprise retirees will benefit.
How to collect social security fees?
In principle, the payment of the basic old-age insurance for enterprise employees and other types of insurance for enterprise employees will continue to be levied according to the current collection system, that is, the original social security collection will continue to be levied by social security, and the original tax collection will continue to be levied by tax, and the payment method will be stable, "mature and handed over to a province". The responsibility for the collection and management of social security fees of institutions and urban and rural residents was transferred to the tax authorities as scheduled.
Is the endowment insurance coordinated at the provincial level?
Some provinces have realized the unified collection and expenditure of endowment insurance funds at the provincial level, and most provinces have implemented the provincial-level adjustment system of endowment insurance funds, and the fund’s overall role in helping each other is still not fully exerted. There are still some problems in some provinces, such as the disunity of endowment insurance policies in the province, which need to be standardized step by step. By the end of 2020, the fund will be unified at the provincial level, laying a solid foundation for the national overall planning of endowment insurance.
In addition, the multiple dividends of social security reform will still be released intensively:
Fund investment and operation were accelerated.
Lu Aihong, spokesperson of the Ministry of Human Resources and Social Security, recently introduced that the Ministry of Human Resources and Social Security, together with relevant departments, has made clear the list of provinces (autonomous regions and municipalities) entrusted to invest in the basic endowment insurance fund for urban and rural residents in 2019 and 2020. By the end of the first quarter, of the 858 billion yuan entrusted investment contracts signed by 17 entrusted provinces (autonomous regions and municipalities), 624.869 billion yuan had been invested and operated.
Provincial overall planning of work-related injury insurance was accelerated.
Lu Aihong revealed that the next step will be to thoroughly study the issue of occupational injury protection for employees in new formats, study and formulate policies for small and micro private enterprises to give priority to industrial injury insurance, and promote industrial injury insurance to achieve a higher level of full coverage.
Improve the old-age insurance system for urban and rural residents
Lu Aihong introduced that the Ministry of Human Resources and Social Security is still guiding all localities to improve the old-age insurance system for urban and rural residents, and establish a mechanism for determining the old-age insurance benefits for urban and rural residents and the normal adjustment of basic pension standards.
According to incomplete statistics, up to now, at least 16 provinces (regions) such as Shanxi, Hebei, Henan, Ningxia, Heilongjiang, Qinghai, Yunnan, Jiangxi, Guangxi, Jilin, Shandong, Fujian, Gansu, Hunan, Liaoning and Xinjiang have clearly established the normal adjustment mechanism of basic pensions.
Many places announced the bidding plan for the basic pension for urban and rural residents in 2019. Guangdong plans to raise the minimum standard of basic old-age insurance for urban and rural residents from 148 yuan per person per month to 170 yuan. In many places, it is suggested that the elderly residents in urban and rural areas who are 65 years old and above should be appropriately inclined. For long-term payment, more than the minimum payment period, the appropriate increase in the number of years of basic pension.
Continue to increase the proportion of central adjustment of endowment insurance funds
According to reports, this year, it will increase the central fund adjustment, improve the overall level, increase the transfer of state-owned assets to social security, and promote the full implementation of entrusted investment in the basic old-age insurance fund for urban and rural residents.
Since the second half of last year, the central government has implemented a central adjustment system for endowment insurance funds. "In the next step, we will continue to increase the central adjustment ratio of the basic endowment insurance fund for enterprise employees. This year, the central adjustment ratio will increase to 3.5%. It is estimated that the scale of the central adjustment fund will reach more than 600 billion yuan in the whole year, further alleviating the pressure on fund revenue and expenditure in some provinces." Lu Aihong said.
Increase the financial input of basic old-age insurance funds
Financial investment in basic old-age insurance at all levels will also increase. According to reports, this year, the central government’s budget for enterprise endowment insurance reached 528.5 billion yuan, up 9.4% year-on-year, and local finance also made corresponding funding arrangements.
Enlarge and strengthen the strategic reserve fund
In the next step, the strategic reserve fund will be enlarged and strengthened. Nie Mingjuan, director of the Department of Endowment Insurance of the Ministry of Human Resources and Social Security, said that at present, the national social security fund has a strategic reserve of about 2 trillion yuan, and the work of transferring some state-owned capital to enrich the social security fund has started, and will continue to increase the transfer in the future.
Nine provinces, including Guangdong, started the entrusted investment of residents’ pension funds.
It is worth mentioning that Lu Aihong also revealed that the next step will be to actively promote the full implementation of entrusted investment in the basic old-age insurance fund for urban and rural residents.
It is understood that the General Office of the Ministry of Human Resources and Social Security and the General Office of the Ministry of Finance have recently studied and determined Hebei, Jilin and Jiangsu.
In 2019, nine provinces including Guangdong started the entrusted investment of residents’ pension funds. Nine provinces are required to pay close attention to the investigation, fund calculation and other work, clarify the entrusted investment quota and submit specific implementation plans.
Source: Guangzhou Reference
According to some information, the relevant person in charge of the National Medical Insurance Bureau of the Ministry of Human Resources and Social Security, the Ministry of Finance and the State Administration of Taxation answered questions from reporters on the Comprehensive Plan for Reducing Social Insurance Rates, and Xinhua News Agency