What unit pays five insurances and one housing fund, and what kind of unit can pay five insurances a

The new social insurance law stipulates that all companies must pay five social insurances and one housing fund, with the exception of some irregular companies, which is being carried out uniformly across the country.

Generally, large companies and foreign companies will have.

Article 4 of the Social Insurance Law of the People's Republic of China stipulates that employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the 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 law stipulates that all employers within the territory of China, including enterprises, institutions, private enterprises, foreign-funded employers and individuals, have the legal obligation to pay social insurance premiums. Therefore, at present, except for the state organs that are discussing the implementation of social insurance, all employers must participate in social insurance and pay social insurance fees in accordance with the law.

At present, the "five insurances and one housing fund" refer to the collective name of several types of protective treatment given by employers to employees, and "five insurances" refer to five types of insurance, including endowment insurance, medical insurance, unemployment insurance (including serious illness 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, housing provident fund are premiums jointly paid by enterprises and individuals, and work-related injury insurance and maternity insurance are fully borne by enterprises, and individual employees do not need to pay. It should be noted here that the "five insurances" are statutory, so the insured units must pay endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance in full and on time, and any arrears, concealment, and refusal to pay are illegal acts.

For the payment of "one gold", the state has not yet used the law to clarify, only the "Housing Provident Fund Management Regulations" issued by ***, but it lacks binding. At present, the housing provident fund is mostly based on the regulations and is bound by the local administrative regulations or local regulations of various provinces, municipalities and autonomous regions. Some provinces and cities have already introduced mandatory payment regulations and penalty measures, which is also the trend of future development.

However, for a considerable number of areas where there are no mandatory provisions, whether to pay the housing provident fund depends to a large extent on the efficiency and integrity of the employer.

According to the provisions of the Labor Contract Law, enterprises, individual economic organizations, private non-enterprise units and other organizations, state organs, public institutions, and social organizations within the territory of the People's Republic of China are required to purchase insurance if they establish labor relations with employees.

Legal analysis: To pay five insurances and one housing fund, the law stipulates that the five insurances and one housing fund must be purchased by the employer and the employee, and it is illegal for the employer not to purchase five insurances and one housing fund for the employee.

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

Article 7 Demolition of the 12th Social Insurance ** Funds shall be determined according to the type of insurance, and social co-ordination shall be implemented step by step. Employers and workers must participate in social insurance and pay social insurance premiums in accordance with the law.

Article 73 Workers shall enjoy social insurance benefits in accordance with law under the following circumstances:

a) retirement; 2) Sickness, negative travel cover orange injury;

3) Suffering from work-related disability or occupational disease;

iv) unemployment; 5) Childbearing. After the death of a worker, his surviving family members are entitled to survivors' allowances in accordance with the law.

China's state-owned enterprises will definitely pay off five social insurances and one housing fund for their employees. Some large private enterprises also pay five insurances and one housing fund for employees. For small and medium-sized enterprises, they generally only pay five insurances and do not pay housing provident fund.

In addition, some individual enterprises do not pay maternity insurance and loss insurance; others only pay work-related injuries and medical insurance; Individual enterprises with better development scale will pay unemployment insurance.

1. Individually-owned industrial and commercial households: refers to citizens who have the ability to operate and have been registered with the administrative department for industry and commerce in accordance with the provisions of the Regulations on Individually-owned Industrial and Commercial Households, and are engaged in industrial and commercial operations.

Paragraph 1 of Article 2 of the Regulations on Individually-Owned Businesses stipulates that citizens with the ability to operate shall be individually-owned businesses if they are registered with the administrative department for industry and commerce in accordance with the provisions of these Regulations and engage in industrial and commercial operations.

2. Enterprise: generally refers to the purpose of making profits. It is an economic organization with legal personality that uses various factors of production (land, labor, capital, technology, etc.) to provide goods or services to the market, and implements independent management, self-responsibility for profits and losses, and independent accounting.

Legal basis] Article 58 of the Law of the People's Republic of China on Social Insurance shall apply to the social insurance agency for social insurance registration 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.