What is the income anti-risk ability of career establishment?

In a successful system, although the income is not high without a professional title, the biggest advantage of financial salary is stability and security, and the income is guaranteed through drought and flood. And the salary income will rise sharply after the subsequent professional titles are gradually evaluated and promoted.

The subject asked whether the salary of a professional editor could meet the family expenses. According to the current general situation, I'm afraid there are some difficulties. When I was young, my family had a small population and my expenses were relatively small, but my career salary was not too high. When I get older, my professional title goes up, and my salary is high, but the family burden is gradually increasing. If they retire, it is estimated that their salary income can basically meet their expenses.

In addition, subjects asked family members or their own serious illness or accident whether the risk could be offset. This question is difficult to answer. Now the medical insurance policy is fully covered, the reimbursement rate is high, and general diseases can be effectively treated, which has little to do with career income. For risk prevention and control, the wage income within the system, including career establishment, can basically not resist big risks. For the staff in the examination or compilation, it is of little significance to consider this issue. The examination is mainly for stable work and income. According to the topic, the career compilation basically can't meet your concerns and requirements, and its ability to resist risks is somewhat low.

Welcome to discuss!

Here in Yangzhou, it is roughly like this:

The wages of public institutions in Yangzhou are mainly composed of four parts, namely, basic wages, performance wages, allowances and other wages.

First of all, Yangzhou's institutions are divided into:

Fully funded institutions are also called fully funded institutions: they are established as fully funded institutions.

A public institution with comprehensive budget management is a management form in which all its required business funds are allocated from the state budget. This form of management is generally applicable to institutions with no or unstable income, such as schools, scientific research institutions, health and epidemic prevention, industrial and commercial management and other institutions, that is, personnel funds and public funds must be provided by the state finance.

"Participating in official business (i.e. referring to civil servants)" institutions shall be prepared according to participating in official business.

As a special institution, public institutions have certain characteristics, mainly in the differences and connections with administrative organs and general institutions. For institutions and administrative organs, their staffing management is different, but the same personnel management system is implemented, that is, the civil service system. According to the staff of civil servant management institutions, their establishment is still in the sequence of career establishment, but it is managed according to the civil servant management measures.

Balance Allocation Institution: prepared as balance allocation institution.

Financial appropriation subsidy: that is, financial approved subsidy, that is, institutions in balance allocation, generally including hospitals and other units that have income and undertake government social functions.

Self-supporting institutions: established as self-supporting institutions.

Refers to institutions that do not need direct local financial allocation.

Research on the salary structure of public institutions in Yangzhou;

Basic salary.

1. post salary: it reflects the responsibilities and requirements of the post where employees are employed. It is divided into: professional and technical posts (with 13 grade), management posts (with 10 grade) and logistics skill posts (with 5 grades), and each post grade corresponds to a salary standard.

2. Salary scale: mainly reflects the work performance and qualifications of staff. Professional and technical personnel and managers set up 65 salary scales, and workers set up 40 salary scales, and each salary scale corresponds to a salary standard.

Under the basic salary structure, the salary of professional and technical posts in Yangzhou institutions ranges from 1000 to 6000, and the salary scale ranges from 200 to 7000. The salary of management positions ranges from 1000 to 6000, and the salary scale ranges from 200 to 7000. The salary of logistics skill posts ranges from 1000 to 2000, and the salary scale ranges from 200 to 2000.

Performance pay.

Mainly reflects the performance and contribution of employees. Total adjustment and policy guidance of performance-based wage distribution in public institutions in Yangzhou. Yangzhou public institutions shall, in accordance with the standardized procedures and requirements, independently issue performance pay within the approved total amount.

Subsidies. Subsidies.

1, allowance for hard and remote areas. According to the differences between natural geographical environment and social development, appropriate subsidies will be given to those who work and live in hard and remote areas. Subsidies vary from a few yuan to a dozen yuan per day according to the post and regional conditions. For example, the allowance for hard weather stations varies from 1 yuan to 5 yuan every day according to different levels.

2, special post allowance subsidies, etc. Institutions in Yangzhou will also give certain subsidies in special positions. For example, the post allowance for urban sanitation workers varies from 3 to 5 yuan per person per day.

Provident fund and social security.

Institutions in different parts of the country have different payment policies for five insurances and one gold. For the proportion of five insurances and one gold paid by institutions in specific provinces and cities, you can consult the local social security bureau or the housing provident fund management center.

Generally speaking:

The contribution rate of the endowment insurance unit is 20%, and that of the individual is 8%.

The contribution rate of medical insurance units is 8%, and that of individuals is 2%.

The contribution rate of industrial injury insurance unit is 0.2%, and individuals do not pay;

The contribution rate of maternity insurance units is 0.8%, and individuals do not pay;

Unemployment insurance unit contribution rate 1%, individual contribution rate 1%.

Due to the economic situation of different regions and institutions, the contribution ratio of public institutions in Yangzhou is generally 12%, which is paid by units and individuals according to this ratio.

It may not be enough compared with the last one, but it is more than enough compared with the next one.

Want to know how the income of public institutions can resist risks, first analyze the income of public institutions. The annual salary of general institutions is as follows:

The salary of management positions ranges from 1000 to 6000, and the salary scale ranges from 200 to 7000.

The salary of logistics skill posts ranges from1000 to 2000, and the salary scale ranges from 200 to 2000.

Generally speaking, the average salary can basically reach the annual salary of 10w, and there are no research posts here. Compared with other institutions, the salary is similar, but the income from scientific research funds is very different from other incomes, but the number of scientific research posts is still small and generally unrepresentative.

From the overall income point of view, first of all, the income from career establishment can reach the upper-middle income level of society, which is more than enough to meet the expenses of a family.

But if we consider the ability to resist risks from family members or even their own serious illnesses or accidents, I think it is too one-sided. On the one hand, the national medical insurance system is gradually improving, the number of drugs included in medical insurance is gradually increasing, and the price of drugs is gradually decreasing. The problem of difficult and expensive medical treatment is gradually being solved. On the other hand, if it is not rational and objective to analyze the enterprise's ability to resist risks only from income, only a handful of families can resist the risk of major diseases, but now the social security mechanism is gradually improved, whether it is unit assistance, party care or social welfare, it can directly or indirectly help sick families resist risks. Whether it is the flood control in Henan or the earthquake in Sichuan, the ability to resist risks can never be simply attributed to income.

The income from starting a business has great ability to resist risks.

The salary of career establishment is not much, but it is stable. As prices rise, so will wages.

Not affected by the situation and policies. For example, the epidemic in recent years has affected many individual entrepreneurs, but people who have established their careers are very stable and live a happy life.

Anti-risk? What are you thinking, brother?

Coordinate the small county town of the 18th line in the north, and the subordinate institution of the Standing Committee of the county party committee.

The reason why "North" is emphasized is because the wages of public institutions in some parts of the south are really high, which are basically calculated on the basis of annual salary, even 200,000.

We are different in the north. As far as the county compound where I am located is concerned, the department-level leaders with the highest salary in the whole compound and institutions earn more than 7,000 a month, and there are no extra cars. There is still a big gap from the annual salary of200,000.

20 17 to work, the salary has been 3500 yuan, increasing by about 60 yuan every year.

Although our small county town has no expenses and entertainment, the 3500 yuan to maintain a normal life is somewhat stretched.

According to the family division of labor, I am mainly responsible for car loans and children's milk powder, rice noodles and diapers, and my daughter-in-law is responsible for mortgage, household utilities and property fees.

The monthly car loan is 1500, which has been borrowed for three years, and now it is almost finished. Children's milk powder per month 1000 yuan, rice noodles per month more than 300 yuan. Diapers don't cost much, but they need 200 yuan.

Now make a formula: 3500-1500-1000-500 = 500.

That's about it. Leave 500 yuan for personal expenses every month.

Daughter-in-law is also an institution, and there is not much money left every month. At first, my daughter-in-law asked me for one month 1500, and gave up completely after two months.

Because I can't afford it.

Now it's basically moonlight every month, and you even have to support it with flowers and loans.

If my family is seriously ill or has an accident, let me take the money. Do you think I can accept it?

How to resist risks?

Have no ability to resist risks

Personally, I think the ability to resist risks is good.

Take Tianjin Sales Department as an example. The salary is 5000- 1 10,000, and the provident fund is 3000-6000. This level is above the average income in Tianjin. Generally speaking, the deposit of 60,000-80,000 yuan a year is very problematic, and there is no risk of unemployment. Even if you encounter a little bumps in your life, you can still live on this stable job.

Public institutions may not be as good as civil servants in welfare benefits, but compared with private enterprises, their ability to resist risks is much higher.

The establishment of public institutions is relatively small and it is not so easy to obtain. At present, many institutions are gradually canceling the establishment and implementing the contract system. Therefore, if there is a public institution, it is still very good. As for the treatment, it depends on the unit and your professional and technical level.

In short, a city has a public institution, which is either rich or expensive, but a well-off society can still be achieved, and it is more resistant to natural and man-made disasters. It's an iron rice bowl.

Equivalent to national debt

Raising a family is not a problem.