What are the specific rules of five insurances and one housing fund, and what are the contents of fi

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Including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance, and housing provident fund.

Article 2 of the Social Insurance Law of the People's Republic of China: The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' rights to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Legal analysis: The grade of five insurances and one housing fund actually refers to the "payment base" and "payment ratio" of five insurances and one housing fund.

1. Payment base: The state stipulates that the average monthly pre-tax salary of employees in the previous year shall be the base for the payment of five social insurances and one housing fund, and the maximum shall be 3 times of the average monthly pre-tax salary of the local society in the previous year, and the minimum shall be 60%.

2. The contribution ratio, pension, medical care, unemployment, maternity, work-related injury insurance and provident fund, all have a payment ratio, and the regulations vary from place to place.

Legal basis: Article 15 of the Social Insurance Law of the People's Republic of China The basic pension consists of a pooled pension and a personal account pension. The basic pension is determined according to factors such as the cumulative number of years of individual contributions, the contribution salary, the average salary of local employees, the amount of personal accounts, and the average life expectancy of the urban population.

Legal analysis: "five insurances" refer to five types of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance. "One gold" refers to the housing provident fund.

Among them, endowment insurance, medical insurance and unemployment insurance, these three types of insurance are jointly paid by enterprises and individuals, and work-related injury insurance and maternity insurance are fully borne by enterprises. Individuals do not need to pay. It should be noted here that the "five insurances" are statutory, while the "one gold" is not.

Legal basis: Labor Law of the People's Republic of China

Article 70 The State shall develop social insurance, establish a social insurance system, and establish social insurance** so that workers can receive assistance and compensation in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Article 71: The level of social insurance shall be commensurate with the level of social and economic development and the capacity of society to bear it.

Article 72 Social insurance** shall determine the funds according to the type of insurance**, and gradually implement social pooling. Employers and workers must participate in social insurance and pay social insurance premiums in accordance with the law.

The five insurances and one housing fund include endowment insurance, unemployment insurance, medical insurance, work-related injury insurance, maternity insurance, and housing provident fund.

1. Five insurances and one housing fund refer to the collective name of the six types of guaranteed treatment given by the employer to the employee. Among them, individual employees should make contributions to the housing provident fund in accordance with relevant regulations. The housing provident fund is a "payable" project, which should be equivalent to a necessity in law, and the payment also reflects that it is an obligation;

2. Social insurance is based on the Constitution, the basic social policy and labor policy of the state, and is enforced through national or local legislation. Commercial insurance is an aspect of the country's economic activities, and it is the business activities carried out by the people's insurance company using economic means, which are realized by the insurer and the insured in accordance with the principle of voluntariness and through the signing of contracts;

3. Social insurance is based on the workers and their immediate family members as the insurance objects, and its role is to ensure the basic life of the workers when they lose their ability to work and become unemployed, which is conducive to maintaining social fairness and social stability. Commercial insurance is to take the insured natural person as the insurance object, and its role is to give the insured a certain amount of economic compensation according to the provisions of the contract;

4. Social insurance starts from ensuring basic livelihood and stabilizing society, and focuses on the guarantee of long-term basic life, and the level of security gradually increases with the rise in prices and the improvement of social production level. Commercial insurance only focuses on one-time economic compensation, and the determination of the level of payment only considers the amount of the insured contribution, without considering other factors;

5. The management system of social insurance is based on the functional departments in charge of social insurance at all levels and the affiliated social insurance institutions as the main body, in order to realize the right of workers to enjoy social insurance benefits granted by law, and implement unified management of personnel, finances and materials for workers' social insurance affairs. The management system of commercial insurance is that each economic entity operates independently, and its management work is all centered on the strict performance of insurance contracts.

Legal basis] Social Insurance Law of the People's Republic of China

Article 2: The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.