Is there a relationship between paying social security and having a bad credit record?

Paying social security has nothing to do with bad credit records.

Social insurance is paid cumulatively.

There are two ways to pay social security:

Paid by the unit. That is, the units and individuals jointly pay, the unit pays part, and the individual pays part according to a certain proportion of the individual's average monthly salary income in the previous year. The individual part is paid according to 8% of the average salary of the individual in the previous year, 2% for medical insurance and 0.5-1%for unemployment insurance;

Is an individual who pays social insurance as a freelancer. In accordance with the provisions of the payment base (hundreds to thousands, each with its own local regulations) according to a certain proportion of payment, different places. Endowment insurance is generally paid at the rate of 18-28%, and medical insurance is generally paid at the rate of 6- 10% of the local average wage level in the previous year.

The main contents of the basic old-age insurance system combining social pooling with individual accounts;

1984, China began to explore the reform of the original old-age insurance system. 1997, a basic old-age insurance system was established (hereinafter referred to as the unified account old-age insurance system).

The goal of the system is only to provide basic living security for the insured, and the wage replacement rate of pension will be gradually reduced from nearly 100% before the reform to about 60%;

The system combines social pooling with personal accounts, which embodies the combination of fairness and efficiency;

The system is shared by enterprises and employees;

The system implements a financial system that combines pay-as-you-go and accumulation;

The payment of basic old-age insurance consists of basic pension and personal account pension, and the payment condition is that the individual payment period is accumulated to 15 years.

Characteristics of social security:

The objective basis of social insurance is the risks existing in the labor field, and the object of insurance is the laborer himself;

The subject of social insurance is specific, including workers (including their relatives) and employers;

Social insurance is compulsory insurance;

The purpose of social insurance is to maintain the reproduction of labor force;

Insurance funds come from contributions and financial support from employers and workers. Insurance coverage is limited to employees, excluding other social members. The insurance coverage is limited to all kinds of risks in labor risks, excluding other risks such as property and economy.

Remarks: Social insurance refers to the system that the state establishes a social insurance fund through legislation to provide necessary material assistance to workers who participate in labor relations when they lose their ability to work or are unemployed. Social insurance is not for profit. Social insurance is mainly through raising social insurance funds, coordinating and adjusting social insurance funds within a certain range, and giving necessary help to workers when they encounter labor risks. Social insurance provides basic living security for workers. Workers can enjoy social insurance benefits as long as they meet the conditions for enjoying social insurance, that is, they have established labor relations with employers or paid various social insurance premiums according to regulations. Social insurance is the core content of social security system.