There are still some blind areas in the old-age insurance system.

Reporter Zhanghong Ning Mr Huang Yong Shijiazhuang, Guiyang, Hohhot reported with the implementation of the national new Rural Social Endowment insurance pilot work, our country has taken a solid step in establishing and perfecting the basic endowment insurance system. However, the economic reference newspaper reporter in Hebei, Guizhou, Inner Mongolia and other areas of the interview to understand that the current basic endowment insurance system is improving, but the urban residents of this group is still lack of overall institutional arrangements, there are cover "blind zone."　　And this group has no occupation, no income, older, is one of the most vulnerable people in society.　　The old-age insurance system has "blind zone", "Economic reference newspaper" reporter in the investigation to understand that, because there are still "blind area" in the system level, the basic endowment of our country can not be fully covered by the system, and some urban residents are still in the "old without the" state. It is understood that at present our country implements the basic endowment insurance system mainly is the following several items: first, the National civil Servant Retirement System; The second is the basic Endowment insurance system of the public institution staff (including flexible employment, self-employed, self-employed, etc.) basic endowment insurance system; Four is the new rural social endowment insurance system.　　What is missing is the old-age insurance system of urban residents. Hebei Province Qinhuangdao Shi Human Resources and Social Security Bureau of Rural Social Insurance Department director Zhang Jihua told the economic reference newspaper reporter, two years ago, Hebei Province had a mapping, the province over 60 years old no work of urban residents about 1.9 million people. These people can not participate in urban workers endowment insurance, also can not participate in rural social endowment insurance.　　Many of these personnel are not employable, from the former elderly households, disabled persons, labor camps or the release of prisoners without staff, such as the composition. "The new rural social Endowment insurance pilot work, urban residents reflect strong, many people call or door-to-door consultation, why urban residents can not enjoy the state pension policy." "We are also trying to make the information of urban residents more accurate, but because the country does not yet have such policies, it is not daring to do so," said a person in the Department of Human Resources and social Security in Hebei Province.　　"Economic reference newspaper reporter in Guizhou, Inner Mongolia and other areas of the interview, but also for similar reasons or other reasons, it is difficult to obtain accurate information of urban residents." Guiyang "blind spot" crowd of up to 40,000 after the investigation found that the town aged 60 years or older residents of the basic endowment Insurance in a "blind spot." "These people are not employees of the enterprise, and do not enjoy other old-age insurance system in towns over 60 years old residents."　　"After the investigation, Guiyang about 40,000 urban elderly residents belong to this kind of" blind spot "crowd. "Economic reference newspaper" reporter in the interview learned that this part of the urban residents to participate in pension insurance is very urgent. Home Hohhot City Saihan District Wulanchabu East Road, 51-year-old Hu Qian friend, on the site of odd jobs, the average monthly income of only 1000 yuan. The 46-year-old wife has no job, and his 22-year-old son has been unemployed since he was discharged from the army last year. At present, a three are included in the minimum, each month to receive the minimum allowance of 270 yuan.The family rented a total area of less than 40 square meters of houses, the monthly rent of 150 yuan.　　Since the house has been built for more than 20 years, there are many cracks on the wall, the rain on the leak, dipped in the corner of the water stains. At present, Hu Qian and his wife are not included in the urban Residents Endowment insurance. Hu Qian Friend said: "The age is getting bigger, the physical work is more and more dry, the son is not working now, the future family to buy a house still don't know how to solve, think about the pressure is very big."　　Hu Qian said that the State should formulate and implement policies on people's livelihood, including pension insurance, should take care of the lowest level of the population. In fact, some parts of our country have realized the problem of "old and no culture" of urban residents, and began to explore and establish relevant system in some places with better financial resources. According to Guiyang, a researcher of human resources and Social Security Bureau, Yang Wensong, after the comprehensive implementation of the rural new endowment Insurance system, the bureau after investigation found that the urban elderly residents over 60 years old have a "blind spot" of the basic Endowment insurance. "These people are not employees of the enterprise, and do not enjoy other old-age insurance system in towns over 60 years old residents."　　"After the investigation, Guiyang about 40,000 urban elderly residents belong to this kind of" blind spot "crowd. After reckoning, Guiyang decided to be funded by the Government, to include such people into the basic endowment insurance. 2010, Guiyang Urban elderly residents of the Social Endowment Insurance Scheme (trial) began to implement. Those who are over 60 years of age and above, who do not enjoy regular pension treatment, can voluntarily apply to participate in urban elderly residents of social endowment insurance.　　To participate in the urban elderly residents of social endowment Insurance, a one-time payment of endowment insurance costs, after the age of 60 years old, monthly can receive 300 yuan pension. Limited financial resources is the most difficult place Lo Zhengfeng and sons, daughter-in-law do not work, now prices are high, the days are tight. When the reporter asked her if she wanted to have endowment insurance, Lo Zhengfeng's first reaction was to turn it down.　　"We didn't pay for Medicare." Although Guiyang has begun to try out the old-age insurance scheme for urban residents, the old-age insurance system is not implemented in 8 other cities (state and land) in Guizhou province.　　According to the Department of Human Resources and Social Security of Guizhou Province, the old-age insurance system of urban elderly residents has become a prominent problem in the construction of urban and rural endowment insurance system, at present, Guizhou Province, the Department of Human Resources and social Security in this province to carry out research. According to the introduction, the establishment of urban elderly residents endowment insurance system, the country has a variety of institutional models can only be used for reference, but also with the development of a new rural endowment insurance system to consider. Because of the large economic differences between towns and rural areas, especially in the basic life security demand, towns are obviously higher than the rural areas, therefore, the elderly residents of urban old age insurance treatment can not be too low, positioning should be higher than the minimum standard of living in cities and towns. However, if the basic pension according to the current urban minimum living standards of 170 yuan calculation, to solve the more than 200,000 60 years of age in Guizhou province, the elderly residents of the old age of security problems of the need for financial funds to 5.300 million yuan.　　As the number of people (enjoy treatment) increases and the level of protection continues to improve, the required financial funds will continue to increase. Guizhou as a poor province in the west, only by their own strength to achieve this kind of people's endowment insurance coverage is very difficult. Take the remaining 8 cities in Guizhou (state, land), at present, in addition to the strength of better Zunyi has begun to consider the establishment of urban elderly residents endowment insurance system, the other 7 cities (state, land) basically have no financial resources to solve this problem. "Anshun Human resources and Social Security bureau chief of Insurance Section Liu Guifen told economic reference newspaper reporter, adjacent to the Guiyang this year to carry out urban elderly residents endowment insurance, Anshun many elderly to the Social Security Bureau question," Why Anshun did not give the elderly living expenses, is not the Bureau of the money to misappropriation? Anshun Puding County, director of the Social insurance agency Xiajing told reporters that under the influence of the urban workers ' endowment insurance and the new rural old-age insurance already being piloted, most of the urban residents have the willingness to ask for insurance.　　However, due to the special provincial situation of Guizhou's economic backwardness, many people are very sensitive to the amount of premiums paid, once set too high, there will be many people can not afford to pay insurance premiums, and these people are precisely the most need to be protected. Anshun Puding County Cheng Guan Zhen Hong Qi Lu residents Lo Zhengfeng more than 20 years ago, after the relocation of her town hukou to Puding County, has not been working. Lo Zhengfeng's husband was crippled by work, and now has a monthly pension of more than 1000 yuan. But Lo Zhengfeng and son, daughter-in-law have no work, now the price is high, the days are tight. When the reporter asked her if she wanted to have endowment insurance, Lo Zhengfeng's first reaction was to turn it down. "We didn't pay for Medicare." Community workers told the economic reference newspaper reporter, at the beginning, Lo Zhengfeng and her husband joined the new home, a person a year 10 yuan premiums. Later, after the implementation of the medical insurance of urban residents, according to the provisions Lo Zhengfeng can participate in urban residents medical insurance. But urban residents pay more than rural health insurance, more than 135 yuan a year, two people add up to 270 yuan.　　Due to the economic tension, Lo Zhengfeng did not pay. This year, 55-Year-old Lo Zhengfeng told the economic reference newspaper reporter, the state to the residents to do old-age insurance, which she dreamed about.　　But unless there is a lot of money to pay for pension insurance, she will not be able to afford the country's good policy. According to 王建华, deputy director of the Social Insurance Administration of Inner Mongolia Autonomous Region, at present, Ordos, Baotou, Hohhot began to explore the establishment of urban residents endowment insurance system, which is a good policy to benefit the unemployed urban residents.　　But now also faced with many difficulties, including mainly in the funds, the financial resources are limited, due to the need to be included in the insurance of urban residents more, local subsidy ratio is relatively high, the state's financial subsidies, local financial pressure. Eliminating the "blind area" of old-age "essay" The State should establish a basic system, Shang not too much, and let the insured have a certain choice, like the train has hard seat, ruanxi the same. "Economic reference newspaper reporter"In many interviews to understand that many of the older, no occupation, no income and instability of urban residents, the society is the most need to pay attention to the disadvantaged groups.　　How to integrate them into the social endowment insurance system and eliminate the "blind area" of the old-age is urgently essay. The "hiding" practices vary from place to place because of the lack of uniformity of policies and restrictions on the transfer of the old-age insurance relationship when people flow.　　On the other hand, once a higher level of policy is introduced, it may produce problems that are inconsistent with local policies, leading to difficulties in policy convergence. As to how to eliminate the "blind zone" of the urban residents ' endowment, many places in our country are exploring, but there are different in the proportion of payment and the level of treatment.　　Not only that, the economic reference newspaper reporter also learned in the interview, because the country does not have a unified policy, all over the exploration and establishment of urban residents endowment insurance system also encountered some problems. "The full coverage of endowment insurance, the biggest problem is money." According to Yang Wensong, a researcher of Guiyang human Resources and Social Security Bureau, who has long been engaged in endowment insurance, Guiyang, as the most economically developed region in Guizhou Province, has walked in front of the whole coverage of the basic endowment insurance. But Guizhou is a "underdeveloped, underdeveloped" western provinces, in the pension payment is still facing the dilemma.　　To Guiyang, the annual collection of social security costs are basically to be used to pay, endowment insurance funds do not say value-added, how to make the fund does not depreciate, is one of the headaches. Yang Wensong gave the economic reference news reporter a simple example. The pension paid by each insured person is credited to his/her personal account and is calculated annually by the periodic interest rate of one year. But after the money has arrived at the Social Security Center, based on the current status of Guiyang pension funds being used to pay, the Social Security Center only dares to deposit the money in a current account, rather than keeping it regularly to obtain a one-year periodic interest.　　"The interest difference between this regular and current demand needs to be filled by the Social Security Center, which is a heavy burden," he said. According to Eerduosi Labor and Social Security Bureau deputy Director Ziffoher introduced, from the Endowment insurance policy, Ordos has achieved full coverage. But the urban unemployed residents dispersed, strong mobility, resulting in a large amount of work, the need for a large number of grass-roots specialized personnel, the city's 210 specialized personnel are not included in the formal establishment, affecting its work enthusiasm.　　On the other hand, due to the ideological awareness, economic conditions and other reasons, the current participation in the insurance payers are mostly focused on the age of close retirement, young people participate in insurance is not high, so the fund to pay a greater pressure. According to Silvente, director of the Endowment Insurance Center of Baotou Labor and Social Security Bureau, the State proposed to establish and perfect the social security system covering urban and rural areas 2020 years ago, so that all people enjoy social security treatment, but at present the state has no clear and unified policy to solve the urban jobless residents, and no corresponding rules and From the point of view of concrete implementation, the resident endowment insurance still belongs to the local hiding, and there is no basis for reference in the choice of working mode, staffing and operation mode, which increases the actual workingDifficulty.　　All these factors have restricted their more daring exploration in the policy model setting. To embody the principle of general benefits in urban and rural areas, many old-age insurance types operate on a platform, which will cause many contradictions and problems. "Not because of the unreasonable system design, resulting in government spending is not bought." "Anshun Human resources and Social Security Bureau section chief of Insurance Liu Guifen that endowment insurance, not rural residents to engage in a program, urban residents to implement a program, make payment standards and enjoy treatment is not the same."　　The mode and standard should be co-ordinated, and the difference is that a variety of standards can be set up in the payment of fees, which are chosen by the insured. Hebei Province Human Resources and Social Security Department Director of Endowment Insurance Guo Shiying said, China's endowment insurance system is gradually established, different types of people are in batches, different groups belong to different types of insured, the respective payment standards and standards are not uniform, and even a large gap. such as a civil servant, a number of public institutions, enterprise workers, one of the retired cadres, rural residents, which is due to the different operating conditions of enterprises, the standard of payment is also different. Many types of endowment insurance operate on a platform, which will cause many contradictions and problems. "Not because of the unreasonable system design, resulting in government spending is not bought." "Industry insiders believe that in the establishment of urban residents of the old-age insurance system, we should strive to make the entire endowment insurance system to achieve" two co-ordination ", one is to co-ordinate the integration of urban and rural endowment insurance system, should reflect the principle of general benefits, all kinds of people enjoy the gap between the old-age The state best to establish a basic system, Shang not too much, and let the insured have a certain choice, like a train with hard seat, Ruanxi, the staff to participate in pension insurance according to their actual situation to choose different seats. Second, to co-ordinate the use of endowment insurance funds to integrate the existing social resources. such as dispersed in the departments of the minimum subsistence guarantee subsidy, social relief fees, etc., unified use. With the advent of an aging society, the social endowment problem will be more prominent and urgent. Fund raising and use is the most important core issue.　　The state should consider the law as early as possible and establish a stable and standardized endowment fund system. Point of view "crisis" is imminent to perfect the old-age system Zhanghong China is running into an aging society, the "Silver wave" has been imminent. The data show that China's aging population is now over 167 million, accounting for 12.5% of the total population, and is expected to reach 243 million by 2020.　　However, as an aging society to meet the arrival of the old-age security system ready? According to the United Nations standard of population ageing, the proportion of older persons aged 60 years and above in a country is more than 10% population, or the proportion of older persons aged 65 years and above population the total population of 7%, the country or region has entered elder society or elder country. The data show that in the 30 years after 2011, China's population aging will be accelerated development trend, by 2030,Country will become the world's most populous country with an ageing population. By 2039, our country will have less than two taxpayers to support a pensioner, which is called "The age of social crisis."　　Recently, research from various aspects shows that China's aging speed is unprecedented, its political, economic, cultural and social aspects of the impact of unprecedented intensity. In fact, since the 80 's in the last century, we started to build the endowment insurance system.　　After more than more than 20 years of efforts, China has basically established a "security net" covering most of the population from the system level, and the number of people who have been added to the "sense of safety" has grown. However, with the deepening of the endowment insurance system, some deep-seated problems have been exposed gradually. Our country in the pension system system is talking about "system coverage personnel", which led to the current biggest problem is "fragmentation." The pension system itself is an emphasis on fairness, however, because the old-age insurance system of different groups is gradually established in different periods, urban people and rural people, public institutions and enterprise workers, pension system settings are different, payment and security standards vary, and the poor treatment, different groups of pension difference several times or even dozens of times times,　　It is very easy to arouse new social contradictions and become a new inducement of social instability. In addition, there is an undeniable fact that, for a variety of reasons, at the level of the endowment insurance system, there are still "urban residents" not included in this group, although the number of this group in the national total population is not too large, but this group of age, no occupation, low income or even no income, is one of the most vulnerable groups in society.　　The old-age insurance system covering urban and rural areas should include all residents of urban and rural areas from the point of protection, but due to the lack of institutional arrangements, many urban residents are still in the status of "old and no culture", which can not meet the urgent needs of urban and rural development and urban residents ' endowment. Therefore, we should prepare as early as possible and improve the basic endowment insurance system as soon as possible. The basic idea should be to solve the problem of "having and not", to study and formulate the old-age system of urban residents, and to realize "full coverage" in the system.　　On this basis, the comprehensive consideration, the integration of resources, the establishment of urban-rural integration of the old-age system, narrowing the gap between different groups of insurance treatment, the establishment of a general-Hui basic Endowment Insurance system. Ageing is a very important issue in China and there is a consensus on that. It is gratifying that the relevant departments of our Government have realized the existing problems of endowment insurance system and set about solving it. Xiaochu, Deputy Minister of Human Resources Social Security, said recently that with the development of our economy and the improvement of people's income level, the old-age security treatment is also gradually improving.　　Hope that through the continuous improvement of the old-age security system to strengthen and improve the elderly population of various services, to the real arrival of China's aging ready.　　Puding County Cheng Guan Zhen Hong Qi Road, Anshun, Guizhou province Lo Zhengfeng, said that prices are too high, their own family income is limited, the food is some potatoes, pickled cabbage and other cheap dishes. Reporter Mr Huang Yong