What are the four golds, and the fifth gold is shrimp?

What we usually call the "three golds" mainly refer to: endowment insurance, medical insurance, unemployment insurance; "Four golds" refers to: "three golds" housing provident fund; "Hardware" refers to:

Four golds" Injury Insurance; "Six gold" refers to: "hardware" maternity insurance money. The specific contribution rate is:

Individual contribution part of pension insurance - salary 8% medical insurance premium - salary 2% unemployment insurance premium - salary 1% housing provident fund - salary 7% company contribution part pension insurance - salary medical insurance - salary 12% unemployment insurance premium - salary 2% housing provident fund - salary 7% In addition: "hardware" in the "work-related injury insurance" is paid, but not by the individual, all paid by the company. After deducting the payment, the salary is the actual salary.

It is the sum of the pre-tax salary minus the part paid by the company. Regarding the payment of the "four golds" in Shanghai, the base of the back cover is: not less than 60% of the average monthly salary in Shanghai in the previous year; The cap base is:

300% of the average monthly salary in Shanghai in the previous year. However, now some companies only pay "three golds" for employees, so the "housing provident fund" is useless for people who don't buy houses? Of course not, the "housing provident fund" is of great use in addition to when you buy a house; When you retire, you can also settle and withdraw the entire MPF principal balance at once; Other contributions are not allowed to drop.

Pension, public foundation, unemployment, and medical care are just these four golds! Ha ha.

"Four golds"It refers to pension insurance, medical insurance, unemployment insurance, housing provident fund, and work-related injury insurance.

Social insurance refers to a social and economic system that provides income or compensation to people who are incapacitated, temporarily unemployed, or have lost their jobs due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance.

The social insurance program is organized by **, forcing a certain group to form social insurance ** as a part of its income as a social insurance tax (fee), and under the condition of meeting certain conditions, the insured can receive a fixed income or loss compensation from **, it is a redistribution system, its goal is to ensure the reproduction of material and labor force and social stability.

Legal analysis: The four golds are the part (endowment insurance, medical insurance, unemployment insurance, housing provident fund) paid by individuals (endowment insurance, medical insurance, unemployment insurance, maternity insurance, and housing provident fund) of the five insurances and one housing fund (endowment insurance, medical insurance, unemployment insurance, and housing provident fund).

Generally speaking, when we say "pay four golds" and "pay five insurances and one housing fund", they all refer to the same meaning. That is, the employer pays five social insurances and one housing fund for the employee (the employer pays separately), and four of the employees also have to pay (deducted from the employee's pre-tax salary).

The Administrative Provisions on the Declaration and Payment of Social Insurance Premiums require that an employer shall apply for social insurance registration and declare and pay social insurance premiums for its employees within 30 days from the date of employment. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

The term "social insurance premiums" mentioned in the regulations refers to the basic pension insurance premiums, basic medical insurance premiums, work-related injury insurance premiums, unemployment insurance premiums and maternity insurance premiums paid by the employer and its employees in accordance with the law.

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.

Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.

The four golds are: endowment insurance, medical insurance, unemployment insurance, and housing provident fund. The proportion of payment is:

Pension insurance: 22% for units, 8% for individuals; 12% for medical insurance units and 2% for individuals; Unemployment insurance: 2% for units, 1% for individuals; There is also work-related injury insurance and maternity insurance, which are paid by the unit.

Fourth, the proportion of gold payment: the part paid by the individual and the part paid by the company.

Pension insurance: base * 8% + base * 22% (it seems that it has recently changed to this ratio) medical insurance premium: base * 2% + base * 12%.

Unemployment insurance premium: base * 1% + base * 2%.

Housing Provident Fund: Base * 7% + Base * 7%.

Among them, the individual is the left part, i.e., 8%+2%+1%+7%=18%, and the company is the right part, i.e., 22%+12%+2%+7%=43%.

That is to say, the salary after deducting the four golds is: x = worker's wage - base * 18%; The total amount of funds paid by the company is y = workers' wages + base * 43%.

Legal Analysis:"Four golds"It refers to pension insurance, medical insurance, unemployment insurance, and housing provident fund.

1. Pension insurance refers to the annuity paid by the enterprise to ensure that the old age is supported or the income paid in a lump sum when the employee is unwilling to continue to serve because he or she has worked in an enterprise for a certain number of years or permanently loses his or her ability to work due to old age and infirmity or work-related disability accidents.

2. Medical insurance benefits are generally divided into: inpatient medical treatment and accidental medical treatment. That is, the insurance benefit is paid for hospitalization due to illness or the insurance benefit is paid for hospitalization due to accidental injury.

3. Unemployment insurance money refers to the basic living expenses paid by unemployment insurance agencies to eligible unemployed persons in accordance with the law, and is a temporary compensation for the loss of wage income by unemployed persons during the period of unemployment.

4. Housing provident fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their in-service employees.

Legal basis: Regulations on the Administration of Housing Provident Fund

Article 1 These Regulations are formulated in order to strengthen the management of the housing provident fund, safeguard the legitimate rights and interests of the owners of the housing provident fund, promote the construction of urban housing, and improve the living standards of urban residents.

Article 2 These Regulations apply to the deposit, withdrawal, use, management and supervision of housing provident funds within the territory of the People's Republic of China.

The term "housing provident fund" as used in these Regulations refers to the long-term housing savings fund paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, public institutions, private non-enterprise units, social organizations (hereinafter collectively referred to as units) and their employees.

Article 3 The housing provident fund paid by the individual employee and the housing provident fund paid by the employee's unit for the employee belong to the individual employee.