Why can't the contribution ratio of provident fund exceed 12%?

From May 1, the deposit ratio of housing provident fund shall not exceed 12%. As we know, all along, the deposit ratio of housing provident fund is determined by each province according to the economic development, and there are many kinds of deposit ratios.

The upper limit of provident fund deposit in some cities has reached 20%. What will be the impact of adjusting the upper limit to 12% this time?

The main purpose is to reduce the burden on enterprises.

For cities with a high proportion of provident fund contributions, the burden on enterprises is relatively heavy, and the high labor cost makes many enterprises face great difficulties in transformation. Support enterprises by reducing the proportion of provident fund deposits. After all, economic development needs the support of market players.

Direct impact-increase in real wages and taxes.

After the proportion of provident fund deposit is reduced, the actual wages of employees will increase. On the premise of a certain total salary, the deduction will be reduced and the actual salary will increase. With the increase of disposable income, employees can have more consumption choices. But at the same time, because the provident fund is deducted before tax, the provident fund is less and the salary is more, and the individual tax will increase slightly accordingly.

Significant impact-personal income reduction

Here, it mainly refers to those employees whose provident fund contribution ratio is higher than 12%. Although the contribution ratio of provident fund has decreased and the actual salary of employees has increased, if it is directly reduced from 20% to 12%, the company will pay 8% less provident fund, which is equivalent to the loss of employees' salary by about 8%.

Calculate an account and you will know:

If your monthly salary is 15000 yuan, the monthly deposit base of the unit is monthly salary, and the deposit ratio is 20%;

1 year before may, the company needs to pay the provident fund for you every month = 15000×20%=3000 yuan.

1 After May, the company needs to pay the provident fund for you every month =15000×12% =1800 yuan.

In the future, the monthly unit provident fund will decrease 1.200 yuan, and the annual loss will be 1.440 yuan.

In 20 15, the provident fund policy continued to be relaxed, the loan interest rate continued to decrease, and the scope of use gradually expanded. The reduction of the loan amount of the provident fund will lead to the reduction of the loan amount, which may also have an impact on the personal credit limit. For ordinary white-collar workers, provident fund running water is a very important credit material.

Provident fund deposit varies greatly.

For a long time, there have been great differences in the proportion of deposits in different industries and enterprises. State-owned enterprises and institutions are higher than other enterprises, and among industries, banks, tobacco, electricity and other industries contribute the most. According to Chutian Metropolis Daily, a department-level cadre in Wuhan earns 3,000 yuan a month, while there are more than 4,000 grass-roots employees in state-owned banks and 7,000 bank-level cadres.

These high contributions may push up the wage base and raise the book wage level by distributing various daily necessities or supplies, thus achieving the purpose of increasing the contribution of the provident fund. There is also payment in different places. For example, someone works in a Beijing branch of a company in Shenzhen, but the salary standard is paid in Shenzhen, and the deposit in Shenzhen is higher than that in Beijing.

There are other ways to manage money, which can raise the salary level and achieve the purpose of increasing the deposit ratio.

The huge difference in the proportion of provident fund deposits has widened the income distribution gap in disguise, which is contrary to the concept that development results benefit all people. This round of adjustment, following the principle of "controlling high and ensuring low", can enable the vast majority of employees to enjoy the dividend of the provident fund.

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