Legal analysis: It can be done online or on site.

(1) online processing. Flexible employees who withhold and pay endowment insurance premiums through banks can stop the endowment insurance business and cancel the bank account withholding business through the mobile APP of Bank of Communications and WeChat official account of Qingdao Rural Commercial Bank.

(2) On-site handling. With a resident ID card, I went to Qingdao Branch of Bank of Communications, Qingdao Rural Commercial Bank, Qingdao Branch of Industrial and Commercial Bank of China, designated outlets of Qingdao Bank and designated outlets of district and municipal social security agencies to handle the formalities of terminating the entrusted withholding and payment of endowment insurance. Please scan the code for the specific address and contact telephone number of the bank.

45 means that by December 31st, 211, flexible employees who meet the 45 standard (that is, men are over 5 years old and women are over 4 years old) can apply for and participate in social insurance subsidies given by the state. Usually, if they apply for three years, women are over 45 years old and men are over 55 years old, the subsidies will be applied until retirement (that is, the longest period is five years).

legal basis: article 58 of the social insurance law of the people's Republic of China, the employing unit shall apply to the social insurance agency for social insurance registration for its employees within 3 days from the date of employment. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Individual industrial and commercial households without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.