Is there a difference between state owned enterprises and private retirement?

Pension is generally only related to factors such as the amount of contributions, the total number of years of service, the retirement age, and the average social wage in the region.

Taking enterprise employees as an example, the pension treatment of retirees is: personal account pension + basic pension + other allowances.

1) Personal account pension. The total amount of funds in a personal account is divided by a certain number, which is determined by the age at the time of retirement.

Retirement age figure (number of months of pension accrual in personal account).

Hypothesis: Retire at the age of 60 and retire with 69,500 yuan in your personal account. Personal account pension = 69500 139 = 500 yuan.

2) Basic pension. Multiply the number of years of contribution by 1% by the average monthly wage of the local community in the year of retirement.

Assumption: The local monthly salary is 4,000 yuan, and the contribution is 25 years.

Basic pension = 25 years * 1% * 4000 yuan = 1000 yuan per month.

Note 1: This is assuming that the local average salary has been paid, if the contribution is high, the figure of 1% will be high, such as 2%, and if the contribution is low, it will be less than 1%, such as about that.

In the case of (1) and (2) above, the total of the two items is $1,500 per month.

3) Other allowances. Senior workers (this allowance has been abolished in some places), model workers, only children, local supplements, old age allowances, transitional allowances, and allowances for the years of contributions, etc.

All of the above constitute the pension for the first month of retirement. Generally, a certain percentage may be increased every year, but around 2017.

There is no difference, it is the same in ordinary society that has bought enough for 15 years.

The retirement treatment of private enterprises is the same as that of state-owned enterprises, as follows:

1. This refers to the participation of employees in pension insurance, and there is no difference between the standards of the two insurance, but it depends on the conditions for calculating the pension, which mainly depends on the cumulative payment period, the average payment index and the average social wage in the region. That is, the longer the payment period, the higher the payment index, so that the pension treatment after retirement will be higher. It has nothing to do with the nature of state-owned enterprises or private enterprises;

2. State-owned enterprises will basically handle enterprise annuities for employees as a supplement to basic pension insurance; However, most private enterprises do not apply for enterprise annuities for their employees, so employees of state-owned enterprises will also receive an extra pension than retired employees of private enterprises after retirement.

Legal basisArticle 10 of the Social Insurance Law of the People's Republic of China.

Employees shall participate in the basic endowment insurance, and the employer and the employee shall jointly pay the basic endowment insurance premiums.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance at the employer, and other flexibly employed persons may participate in the basic pension insurance, and the basic pension insurance premiums shall be paid by the individual.

The method of pension insurance for civil servants and staff managed with reference to the Civil Servants Law shall be prescribed by ***.

Hello, the retirement treatment of private enterprises is the same as that of state-owned enterprises First, what is the new retirement policy in 2022The new retirement policy in 2022 mentions the implementation of delayed retirement. If the delayed retirement is implemented from 2022 onwards, which will be delayed by six months each year, the retirement age in 2022 will be years, years and years according to the current retirement framework (50 years old for female employees, 55 years old for female cadres, and 60 years old for male employees). Those who were supposed to retire in this year will have to work for half a year longer.

And so on until the new retirement age is reached. 2. What are the procedures for retirement of special types of work (1) All personnel who require early retirement according to special types of work shall submit a written application for early retirement to their unit (or file ** organization) before the 10th of each month, and provide the name of the type of work they are engaged in, the specific period of employment and the original information that can prove the special type of work they are engaged in. (2) The unit or employee file custodian shall review the reasons for the application, the type of work, the specific period of employment and the original materials submitted by the individual in combination with the personal file, and publicize the basic information such as the age, type of work, working hours, and years of special work of the person requesting early retirement, and the publicity period shall be five days.

3) The unit or employee file custodian shall submit the roster and personal files of the early retirement without objection to the 20th of each month to the County Human Resources and Social Security Bureau for review and summary, and report to the Municipal Human Resources and Social Security Bureau for approval before the 25th of each month. (4) The Municipal Bureau of Human Resources and Social Security is specifically responsible for examining and approving the early retirement of special types of work in the city, and the implementation of examination and approval is once a month, and the basic pension is calculated and paid from the next month after approval. (5) If the county human resources and social security bureau does not meet the conditions for early retirement, the personal file shall be returned to the original unit or employee file custodian institution before the 10th of the next month approved by the municipal bureau and the reasons for the non-compliance shall be briefly explained.

6) The unit or employee file custodian shall inform the applicant of the approval situation and the reasons for non-compliance within 10 days. 3. What is the calculation method of salary increase for retirees Personnel who have participated in the work after January 1 of the year and have paid for 15 years (including the deemed payment period, the same below) shall have their retirement pension calculated and paid according to the monthly standard stipulated in the following provisions: basic pension, basic pension, and personal account pension.

Among them, the basic pension calculation formula is: basic pension (the average monthly salary of the city's on-the-job employees in the previous year, the average monthly indexed monthly contribution salary) 2 as of the retirement of the person to pay 1. The formula for calculating the personal account pension is:

Personal account pension Personal account savings at retirement Number of months Calculation of months Persons who participated in work before December 31, 2006 and retired after January 1, 2006 and have paid contributions for 15 years or more shall be paid according to the monthly standard stipulated in the following provisions: basic pension Basic pension Personal account pension Transitional pension.

Legal Analysis: The retirement salary of a retired employee is calculated with reference to the salary at the time of non-retirement. That is, the retirement allowance for civil servants after retirement shall be calculated and paid according to a certain proportion of the sum of the salary of the post and the salary of the grade before retirement, of which 90% shall be calculated and paid if the staff has worked for 35 years or more, and the retirement allowance of the staff of public institutions after retirement shall be calculated and paid according to a certain proportion of the sum of the salary of the post and the salary scale before the retirement.

Therefore, retirement pay will be affected by the number of years of service and the salary scale before retirement, and the longer you work, the higher your retirement pay.

Legal basisLabor Law of the People's Republic of China Article 3 Workers enjoy the right to equal employment and choice of occupation, the right to receive remuneration for labor, the right to rest and vacation, the right to labor safety and health protection, the right to receive vocational skills training, the right to enjoy social insurance and welfare, the right to submit labor disputes for settlement, and other labor rights provided by law.

Workers shall complete labor tasks, improve professional skills, implement labor safety and health regulations, and abide by labor discipline and professional ethics.

The retirement age is the same for both private and state-owned enterprises.

According to Article 1 of the Interim Measures on the Retirement and Retirement of Workers, workers in enterprises, public institutions, party and government organs, and mass organizations owned by the whole people should retire if they meet one of the following conditions:

1) Men must be at least 60 years old, women must be at least 50 years old, and have worked continuously for 10 years.

2) Engaged in underground, high-altitude, high-temperature, particularly heavy physical labor, or other work harmful to physical health, with males at least 55 years of age and females at least 45 years of age, with 10 years of continuous service.

This provision also applies to grassroots cadres whose working conditions are the same as those of workers.

3) Men are at least 50 years old and women are at least 45 years old, and have worked continuously for 10 years, and are certified by the hospital and confirmed by the labor appraisal committee, and completely lose the ability to work, and 4) are disabled due to work, and the hospital certifies and confirmed by the labor appraisal committee that they have completely lost the ability to work.

The reason why the gap between the retirees of state-owned enterprises and private enterprises is so large is mainly a matter of the payment base and the number of years of payment.

Private enterprises do not implement the provisions of the state, according to the wages of employees as the payment base, many are in accordance with the minimum payment of insurance procedures, and some enterprises staff wages themselves are very low, resulting in a low payment base, state-owned enterprises are more formal, strict implementation of employee wages as the payment base, the payment base is higher, the payment base is high, is one of the important factors to receive more pensions.

Second, the work of private enterprises is unstable, some of them resign for a few years, or even a year to resign, or the unit has terminated the labor contract, resulting in the interruption of payment, the payment period is too short, some employees have only paid for 15 years, and then no longer pay, this is also an important factor that causes the retirement pension to be low, state-owned enterprises generally from the entry of employees to retirement, has been paying pension insurance, the longest payment is 45 years, and the payment is only 15 years, of course, the gap is very large.

Therefore, the longer the payment period and the higher the payment base, the higher the pension received, and vice versa, which is proportional.

In this way, the boss can pay less for the social pooling fee. Therefore, state-owned enterprises usually pay more social security funds, and the wages of state-owned enterprise employees after retirement are relatively higher, so state-owned enterprises usually pay more social security funds.

Some state-owned enterprises with good economic efficiency pay 100 percent, and some state-owned enterprises in developed areas pay 200 percent. But the private sector will not reach so much, and very few can pay 50%.

According to the Interim Measures for the Management of Personal Accounts of Basic Pension Insurance for Employees, if the salary of an employee exceeds 300% of the average salary of local employees in the previous year, the excess part shall not be included in the contribution wage base. If the salary is less than 60% of the previous year, the contribution will be 60% of the average salary.

For state-owned enterprises, they are all paid according to 300 percent. For private enterprises, between the mandatory policy and the operating costs of the enterprise, they are paid according to the minimum requirements.

The basic pension for retirement of workers is not different because they are state-owned enterprises, private enterprises, private enterprises, individuals, or flexible employment before retirement, and the calculation method is the same, because of their different circumstances.

The pension insurance system of public institutions is mainly to implement the unit and individual payment system, and the payment level and basic pension calculation and distribution method are completely consistent with the enterprise system. The difference between the old and new calculation and payment methods shall be made up by a separately established occupational pension to ensure that the level of treatment of new retirees is not reduced.

Article 15 of the Social Insurance Law: 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.

There are a few differences. At present, enterprises pay social pensions and receive pensions from the society when they retire. But pensions are divided into:

According to the pension issued by the provinces in the current year, pay 50%, 100%, 200%, etc., and the payment is different, and the one you get is different. There are some state-owned units with good efficiency that pay 100 percent, and some state-owned units in developed areas pay 200 percent. But private enterprises will never be so generous, and it is good to pay 50%.

When it comes to retirement, it's different.

China no longer cares about state-owned enterprises or individuals, they are all the same, and the difference is those institutions and institutions.

There is no difference. Exactly the same treatment.