Policy Interpretation of "Several Measures to Promote the Development of Enterprise Annuity Collective Plans in this City"
发布日期：2019-12-19 Source: Spontaneous Release Date: 2019-12-19
In accordance with the overall deployment of the Municipal Party Committee and Municipal Government, in order to further serve the function construction of Beijing's "Four Centers", promote the development of corporate annuity plans, promote the construction of a multi-level endowment insurance system consistent with the city's reality, and accelerate the construction of a world-class harmonious and livable capital On the basis of proactive investigations in various districts, related enterprises, and various annuity management agencies, they jointly worked with the Municipal Science and Technology Commission, the Municipal Finance Bureau, the Municipal Financial Supervision Bureau, the Municipal Talent Work Bureau, and the Municipal Cultural Resources Center to study and issue the "About Printing Notice on Several Measures to Promote the Development of Enterprise Annuity Collective Plans in this Municipality "(hereinafter referred to as" Several Measures ").
"Several Measures" encourages enterprises to collectively negotiate with employees to formulate an enterprise annuity plan and submit it to the staff (representative) conference for discussion and approval before joining the collective plan established by the annuity management agency. Specific measures include the establishment of a unified platform, government preferential policy incentives, innovative breakthrough policies, optimized handling services, and the establishment of joint conference mechanisms to strengthen coordination and supervision.
First, build a unified platform
The government led the establishment of a unified platform for the city's enterprise annuity collection plan (hereinafter referred to as the "unified platform"), and smoothed the three-way communication channels between the government, enterprises and annuity management agencies. The unified platform mainly played the following roles:
1. Display of products, information and data. Provide transparent display and convenient query of basic information of insured enterprises, annuity management institutions and annuity products, so that companies can quickly and low-costly select annuity management institutions and annuity products on a unified platform, and gradually realize a unified record of basic data of insured employees. , Transfer and connection.
2. Publicity mechanism of "annuity policy into enterprises". Various government departments and relevant annuity management agencies proactively go deep into key regions and key enterprises and combine them with each other to carry out multi-dimensional, multi-level, and multi-directional publicity activities to improve the mastery and understanding of policies by enterprises and employees, and solve the problem of enterprise annuities. Who will do it? "
3. Improve the corporate credit evaluation system. Gradually incorporate the enterprise's participation in the enterprise annuity plan into the enterprise credit evaluation system and display it on a unified platform. This evaluation system will be used as a priority condition for enterprises to enjoy various government preferential policies. The unified platform will also regularly announce the comprehensive evaluation of the performance and service capabilities of various annuity management agencies.
2. Government incentives
The government has introduced various preferential policies to encourage enterprises to establish enterprise annuities. In particular, science and technology innovation and SMEs are encouraged to participate in the enterprise annuity pooling plan. The main measures include:
1. Strengthen the integration of corporate annuities and government preferential policies. The participation of employees in the enterprise annuity will be gradually used as a reference condition for the selection of harmonious labor relations units, talent introduction, and credit settlement, as well as an important condition for enjoying preferential policies such as encouraging industry development, attracting or training talents.
2. The government pilots give financial incentives. Encourage international and domestic talents who meet the functional positioning of the “Four Centers” to participate in the enterprise annuity pooling plan, and give pilot incentives within a certain range. The standard does not exceed 60% of the actual contribution paid by the talents themselves, and the absolute amount does not exceed 15,000 yuan per capita per year. . Specific incentive schemes and pilot scopes are researched and formulated by the competent authorities of various districts and industries, and the required funds are solved by the districts (industries) according to the actual situation to adjust the structure of the use of existing funds, and apply to the relevant municipal departments for pilot work as needed .
3. "High-end Talent Government Annuity". The "Several Measures" also put forward the policy idea of "Government annuity for cutting-edge talents". Special funds for talents will establish an annuity plan for qualified high-level, high-tech, high-skilled cutting-edge talents to further strengthen the city's social security policy. Attraction of cutting-edge talent. Specific personnel coverage and implementation rules are formulated separately.
3. Innovative breakthrough policy
Through preliminary investigation, combined with the pain points reflected by enterprises and annuity management agencies, combined with the actual situation, put forward innovative and breakthrough policy points.
1. Enterprise annuities can give priority to covering some employees. The enterprise reflects the establishment of annuity for all employees, the burden of payment is too heavy, and some young employees are highly mobile, frequently increasing or decreasing the number of insured personnel, which brings heavy management costs to the enterprise. Therefore, the "Several Measures" stipulates that enterprises can give priority to the establishment of enterprise annuities for core technical personnel, key management personnel and other groups, and gradually exert the demonstration and guidance effect.
2. Solve the problem of employees participating in enterprise annuities in labor dispatch and other forms of work. "Several Measures" stipulates that such employees can participate in the employer or employer's enterprise annuity pooling plan on the basis of participating in basic pension insurance according to law.
3. Further flexible the conditions for receiving enterprise annuity benefits. The "Several Measures" further relaxed two types of enterprise annuity receiving conditions. One is that employees who have withdrawn from work at the first to fourth levels of work injury can withdraw their personal annuity accounts in advance; the second is that the employees themselves, their spouses and children's hospitalization expenses exceed the medical insurance reimbursement limit You can withdraw from your personal annuity account in advance.
4. To further simplify the filing procedure of the enterprise annuity plan. In accordance with the work requirements to deepen the reform of "decentralization of service" and optimize the business environment, the "Several Measures" vigorously promoted a simple procedure template. For those who applied for the application, a window of acceptance, face-to-face review, and immediate settlement were implemented.
Fourth, optimize handling services
Specific annuity management service procedures are handled by each annuity fund management agency. Therefore, the "Several Measures" put forward various requirements for each agency to optimize the management service. One is to be oriented to the needs of science and technology innovation and SMEs. Enrich and optimize product supply, simplify the working procedures of the enterprise annuity collective plan, optimize the workflow of participation payment, equity inquiry, account transfer, payment of benefits, improve the level of annuity fund income, and improve service quality. Second, according to their own business conditions, combined with the industry self-discipline convention, the management costs of trusteeship, accounts, custody and investment can be further reduced, and the management fee for retaining accounts of resigned employees can be waived conditionally. The third is to combine enterprise annuities and other additional high-quality products to provide a package of financial services to enterprises and employees.
V. Establish a joint meeting mechanism to strengthen coordination and supervision
Establish a "Beijing Joint Conference Mechanism to Promote the Development of Enterprise Annuity Collection Plans", with member units including the Municipal Human Resources and Social Security Bureau, the Municipal Science and Technology Commission, the Municipal Finance Bureau, the Municipal Financial Supervision Bureau, the Municipal Talent Work Bureau, and the Municipal Cultural Resources Center. The main responsibilities are: to research and formulate innovation and preferential policies to promote the development of enterprise annuity pool plans, to review and report the work of promoting enterprise annuity pool plans in various districts, and to implement the fund incentive plan for enterprise annuity pool plans formulated by the district and industry authorities Review. Each district can establish a corresponding coordination mechanism according to the actual situation.
The competent authorities of various districts and industries, together with the discipline inspection and supervision and auditing departments, check the implementation of the talent incentive plan of the enterprise annuity collective plan introduced to ensure the compliant use of incentive funds. The municipal joint meeting shall coordinate and supervise various preferential policies. If there is any illegal or illegal act, it shall be held accountable in accordance with relevant state regulations.