近年来，潍坊市社保中心坚持系统观念、综合施策，以"制度+技术+队伍"为核心，通过源头管控、科 技赋能、交叉互审、警示教育多维度发力，逐步构建起"制度完备、权责清晰、监管有力"的风险防控体 系，有力保障社保基金安全运行。 警示教育，绷紧廉洁之弦。将警示教育作为风险防控的重要一环，通过案例剖析、专题研讨、谈心谈话 等方式，强化干部廉洁意识，营造"基金安全、人人有责"的浓厚氛围，达到"案例警示、责任强化、优 化提升"的目标。(潍坊社保中心常灵霞) 科技赋能，强化日常监督。聘请第三方对全市经办机构开展两年一轮全覆盖内控审计，通过全面"体 检"，保持风控高压态势。创新推行高风险业务提级抽查制度，由第三方按比例抽查审核，强化事后监 管。构建电子要件全流程核验体系，上线智能审核平台，实现业务合规性全程追溯。 中国发展网讯9月23日—24日，全省社会保险稽核风控暨数据治理工作会议在济南召开，潍坊市在会上 就稽核风控工作作《五维发力全程管控构建全覆盖社保基金风险防控体系》的典型发言。 交叉互审，织密高风险防线。在前期补缴、转移等高风险业务交叉互审的基础上，将缴费年限(含视同 缴费年限)信息维护、退休年龄确认等业务纳入"全市通审 ...

Summary of Key Points Core Viewpoint - The Sichuan Provincial Human Resources and Social Security Department announced the social insurance contribution base for 2025, setting the upper limit at 22,938 yuan/month and the lower limit at 4,588 yuan/month for three main social insurances: basic pension insurance, unemployment insurance, and work-related injury insurance [1]. Group 1: Contribution Base and Policies - The contribution base for flexible employment personnel and those receiving unemployment insurance during the insurance period will be based on the average wage of all urban employees in the province, set at 7,646 yuan/month for medical, maternity, and long-term care insurance [1]. - The contribution base for work-related injury insurance will also use the average wage of 7,646 yuan/month for determining and adjusting benefits [1]. Group 2: Contribution Rates - For 2025, the contribution rates for basic pension insurance in Sichuan are set at 16% for employers and 8% for employees; unemployment insurance rates are 0.6% for employers and 0.4% for employees; work-related injury insurance is solely employer-funded [2]. - The work-related injury insurance rates vary based on industry risk levels, categorized from one to eight, and are subject to floating management based on the incidence of work-related injuries at each employer [2]. Group 3: Individual Contributions - Individual business owners without employees, part-time workers, and other flexible employment personnel can choose their contribution base within the announced limits, with a unified contribution rate of 20% [3].

Core Viewpoint - The recent interpretation by the Supreme People's Court regarding labor disputes clarifies that agreements to not pay social insurance are invalid, supporting workers' claims for economic compensation, but it is not a new regulation [1][2] Group 1: Social Insurance Coverage - The coverage of urban employee social insurance has rapidly expanded since 2005, with the participation rate increasing from 46% in 2005 to 82% in 2024, corresponding to 387 million insured urban employees [1] - Despite high participation rates, there is a significant gap between insured individuals and those actually paying contributions, with the compliance rate for employee pension insurance dropping from 89.98% in 2006 to 80.25% in 2015 [2] Group 2: Challenges in Payment Compliance - The low income levels of workers in rural areas and among low-income groups lead to a higher burden of social insurance contributions, discouraging both employers and employees from participating [3] - The minimum contribution base for social insurance often exceeds the local minimum wage by more than double, affecting 25% of workers earning at minimum wage [3] Group 3: Need for a New System - To continue expanding social insurance coverage, a new system is required that lowers the minimum contribution base and rates, ideally to the level of the minimum wage, and reduces the total pension rate to at least 15% [5] - A layered social insurance system is necessary to balance the compliance requirements for formal and informal employment, as the current model may lead to increased pressure on small and medium enterprises [4][5]

Economic Overview - In 2024, the total income of social insurance funds in Shanxi Province is projected to be 215.705 billion yuan, with expenditures amounting to 191.753 billion yuan, reflecting a year-on-year income growth of 11.05% and expenditure growth of 7.46% [1] Pension Insurance - The basic pension insurance fund is expected to have an income of 204.995 billion yuan and an expenditure of 184.094 billion yuan, resulting in a year-end cumulative balance of 223.612 billion yuan, with 76.096 billion yuan under entrusted investment operations [1] - By the end of 2024, the number of participants in the basic pension insurance scheme is projected to reach 27.198 million, with 11.2207 million in urban employee basic pension insurance, an increase of 199,700 from the previous year [1][2] Urban Employee Pension Insurance - The urban employee basic pension insurance fund is anticipated to have an income of 182.698 billion yuan and an expenditure of 171.666 billion yuan, leading to a year-end cumulative balance of 166.256 billion yuan [2] Rural Resident Pension Insurance - The rural resident basic pension insurance fund is expected to generate an income of 22.297 billion yuan and an expenditure of 12.428 billion yuan, resulting in a year-end cumulative balance of 57.356 billion yuan, with 15.9773 million participants, including 4.9797 million actual beneficiaries [3] Unemployment Insurance - The unemployment insurance fund is projected to have an income of 3.923 billion yuan and an expenditure of 2.304 billion yuan, with a year-end cumulative balance of 1.8247 billion yuan [4] - By the end of 2024, the number of participants in unemployment insurance is expected to reach 5.7109 million, with 45,200 individuals receiving unemployment benefits, and a total of 82,000 unemployed individuals receiving various durations of unemployment insurance payments totaling 896 million yuan [3][4] Work Injury Insurance - The work injury insurance fund is expected to have an income of 6.786 billion yuan and an expenditure of 5.356 billion yuan, leading to a year-end cumulative balance of 5.180 billion yuan, with 6.7919 million participants and a 100% coverage rate for new construction projects [4]

Core Viewpoint - The Ministry of Human Resources and Social Security reported steady progress in social security reforms and employment stability in the first half of 2025, with significant improvements in insurance coverage and fund management [1][2]. Group 1: Social Security System - As of June 30, 2025, the number of participants in basic pension, unemployment, and work injury insurance reached 1.071 billion, 245 million, and 300 million respectively [1]. - The total income of the three social insurance funds in the first half of the year was 4.53 trillion yuan, while total expenditures were 3.89 trillion yuan, resulting in a cumulative balance of 9.83 trillion yuan by the end of June [1]. - The scale of pension fund investment operations reached 2.55 trillion yuan, with ongoing efforts to strengthen fund management and combat fraud [1][2]. Group 2: Employment and Skills Development - In the first half of 2025, the employment situation remained stable, with 6.95 million new urban jobs created, achieving 58% of the annual target [2]. - The urban survey unemployment rate in June was 5.0%, unchanged from the same period last year [2]. - The Ministry is focusing on enhancing vocational skills training, implementing a large-scale training initiative, and aligning training with employment needs [2][3]. Group 3: New Occupations and Workforce Development - In the first half of 2025, 17 new occupations and 42 new job categories were announced, reflecting the creation of new employment opportunities driven by technological advancements and changing consumer demands [4]. - The new occupations aim to provide high-quality job opportunities and address talent shortages in various sectors [4]. - The Ministry plans to establish occupational standards and evaluation norms for these new roles to better align talent development with market needs [4].

Core Viewpoint - The "Universal Insurance · 'He' Family Happiness" project in Heze aims to enhance social insurance coverage and improve the welfare of residents through data-driven strategies and community engagement [1][2][4] Group 1: Project Overview - The project was fully launched by May 2025, focusing on increasing participation in the employee basic pension insurance and optimizing the insurance structure [1] - As of June 2023, the number of participants in basic pension insurance reached 6.269 million, achieving near-complete coverage [1] Group 2: Data Empowerment - The initiative utilizes an information platform to create a comprehensive database for various employment groups, including flexible workers and new graduates, to assess insurance needs [2] - A total of 11,000 effective data points were collected for enterprises, and 53,000 for individuals to facilitate targeted outreach and policy implementation [2] - In the first half of the year, 33,800 new participants joined the enterprise pension insurance scheme, indicating effective policy enforcement [2] Group 3: Service Innovation - The introduction of the "Social Security +" model aims to streamline services by integrating social security with banking systems, allowing for local processing of social security matters [3] - The service network includes 110 fixed points and 32 mobile service teams, enhancing accessibility for residents [3] - A professional team of social security planners has been established to provide personalized consulting and planning services for pension contributions [3] Group 4: Community Engagement - The project promotes a multi-faceted outreach strategy involving various stakeholders to disseminate social security policies and services [4] - Activities include on-site visits to construction sites, schools, and community centers, as well as online engagement through media channels [4] - Over 800 enterprises and 1,200 households were visited in the first half of the year, with 150,000 promotional materials distributed to raise awareness [4]

Employment and Social Security Overview - The overall employment situation remains stable, with new professions and jobs creating more high-quality employment opportunities for workers [1][2] - In the first half of the year, 6.95 million new urban jobs were created, achieving 58% of the annual target, while the urban survey unemployment rate stood at 5.0%, unchanged from the previous year [2][3] Social Insurance Fund Performance - As of June 30, the number of participants in basic pension, unemployment, and work injury insurance reached 1.071 billion, 245 million, and 300 million respectively, all showing steady year-on-year increases [1][4] - The total income of the three social insurance funds in the first half of the year was 4.53 trillion yuan, with total expenditures of 3.89 trillion yuan, resulting in a cumulative surplus of 9.83 trillion yuan by the end of June [1][4] Policy Measures and Support - The government has implemented various policies to support employment, including reducing unemployment insurance rates, which saved enterprises over 90 billion yuan in labor costs [2][3] - Specific measures include the issuance of 6.2 billion yuan in stability funds to insured enterprises and 11.3 billion yuan for training and employment promotion [2][3] New Employment Forms and Protection - The pilot program for occupational injury protection for new employment forms has expanded, with 12.34 million participants as of June 30, and new pilot provinces added [5][6] - The government is actively working on improving social security benefits, including adjustments to the basic pension standards for urban and rural residents [5][6] New Occupations and Entrepreneurship - The introduction of new occupations reflects advancements in technology and consumer demand, with 17 new professions and 42 new job types announced [6][7] - Support for youth entrepreneurship includes government-backed loans of up to 300,000 yuan for eligible graduates and 4 million yuan for small businesses [7]

Core Points - The article discusses the implementation of guidelines for the application and management of disability allowances for employees who have completely lost their ability to work due to illness or non-work-related injuries in Henan Province [1] Group 1: Application Process - The guidelines specify that applicants must be under the legal retirement age and certified as completely disabled by a labor capability assessment within one year [2] - Applications can be submitted by employers for regular employees or by individuals through public employment service agencies for flexible employment participants [2] - The approval process includes an initial review, public announcement, and final confirmation by provincial human resources departments, with benefits starting the month after approval [2][3] Group 2: Benefit Standards - The minimum contribution period for disability allowances is determined based on the applicant's eligibility at the time of application, with specific rules for multiple applications [4] - The monthly benefit amount is calculated based on the total contribution period and the time remaining until the legal retirement age, with adjustments made during national pension adjustments [4] Group 3: Special Circumstances - Provisions are made for situations such as the death of the beneficiary, where survivor benefits will be paid according to in-service death standards [5][6] - If a beneficiary resumes contributions or reaches retirement age, the disability allowance will be suspended, and they may apply for early retirement if eligible [7]

正文 老龄化加速的背景下，社会保险基金对财政补贴的需求可能持续上升。这种潜在支出责任，也是当前财政 加杠杆的约束之一。 社会保险基金，主要包括基本养老保险、基本医疗保险、失业保险和工伤保险四类，生育保险已按照社保 基金的财务制度和职工基本医疗保险合并。它的资金来源，有保险费收入、财政补贴收入、利息收入和委 托投资收入。 需要区分社会保险基金和社会保障基金 。前文对社会保险基金做了简要介绍，而社会保障基金可以理解为 是国家为了应对人口老龄化高峰时期的养老保险等社会保障支出压力，而设立的战略储备基金。同时成立 了社会保障基金理事会来管理这笔资金，社保理事会通过专业化的投资，实现社会保障基金保值增值，为 中国社会保障事业贡献积极力量。 老龄化加速的背景下，社会保险基金对财政补贴的需求可能持续上升。这种潜在支出责任，也是当前 财政加杠杆的约束之一。 2013年以来，社会保险基金累计结余金额能够持续增加，主要是靠财政补贴在支撑 。财政补贴占社 会保险基金收入的比例在两成左右。但对社会保险基金的财政补贴额占公共财政支出的比例逐年上 升， 2013 年公共财政支出中对社会保险基金的补贴占比为 5.3% ， 2023 年上升 ...