20 19 what is the payment ratio standard for five insurances and one gold in Ningbo?

Ningbo social security and provident fund payment standards are as follows:

(1) Ningbo Social Security Five Insurance and One Gold Payment Standard

Enterprise units (including other units that refer to enterprise payment) shall truthfully declare the individual monthly payment base of the insured according to the monthly average level of all wage income (including wages, bonuses, various allowances, overtime wages, etc.). ) June 1 to February 65438+2, and the average monthly salary level is higher than the upper limit of the payment base, which shall be approved according to the upper limit of the payment base; If the average monthly wage level is lower than the lower limit of the payment base, it shall be approved according to the lower limit standard of the payment base.

The upper and lower limits of Ningbo's five insurances and one gold social security payment base: 2878 yuan -65438 yuan +04387 yuan.

Ningbo five insurance and one gold social security contribution rate;

Basic old-age insurance: unit standard 14%, individual standard 8%.

Basic medical insurance: unit standard (8.5+0.5)%, individual standard 2%.

Unemployment insurance: unit standard 1%, individual standard 0.5% (not borne by migrant workers).

Maternity insurance: the unit standard is 0.7%, which is not borne by individuals.

Work-related injury insurance: unit standards are classified by industry, and individuals do not bear it.

(2) The payment standard is the provident fund with five insurances and one gold in Ningbo.

The maximum deposit base of housing provident fund is 263 15.00 yuan, and the minimum deposit base is 1350.00 yuan (among them, the minimum deposit base of urban area and five sub-centers of Yuyao, Cixi, Yinzhou, Zhenhai and Beilun is 1650.00 yuan, and the minimum deposit base of Fenghua, Ninghai and Xiangshan is/kloc). Monthly deposit of housing provident fund = deposit base × (unit deposit ratio+individual deposit ratio). The wage base of employee housing provident fund deposit is calculated according to the provisions of the National Bureau of Statistics on the composition of total wages.

According to the Notice of Ningbo Municipal People's Government on Adjusting the Minimum Wage Standard (20 142[20 15]), Ningbo Housing Provident Fund Management Center according to the Notice on Adjusting the Deposit Base of Housing Provident Fund in Ningbo City (20 153): "If the municipal government adjusts the minimum deposit base this year, new employees will be adjusted after the standard adjustment. Starting from 65438+1 October1,the minimum deposit base of housing provident fund for newly opened employees in the center is adjusted to 1860 yuan.

Five insurances and one gold or four insurances and one gold?

Streamlining the "five insurances and one fund" has set the direction and merged maternity insurance with basic medical insurance. This means that with the merger of maternity insurance and basic medical insurance in the future, the familiar "five insurances and one gold" will become "four insurances and one gold".

"Let enterprises lighten their burdens a little more, and let employees get more cash", which was expressed by People's Republic of China (PRC) Li Keqiang, Premier of the State Council of the People's Republic of China when he answered the questions related to "five insurances and one gold" at the Chinese and foreign press conference on March 16. The reporter noted that recently, Shanghai, Guangdong, Tianjin and other places announced the reduction of social security rates.

In addition, streamlining the "five insurances and one gold" has also set the direction. The recently announced "Thirteenth Five-Year Plan" outlines that maternity insurance and basic medical insurance should be implemented together. This means that with the merger of maternity insurance and basic medical insurance in the future, the familiar "five insurances and one gold" will become "four insurances and one gold".

Help enterprises reduce costs: reduce social security rates more often.

Reducing costs is one of the main tasks of China's economic work. Under the background of high social security burden, reducing social security burden has become a practical measure for local governments to reduce costs for enterprises.

The reporter found out that recently, Shanghai, Guangdong, Tianjin, Yunnan, Gansu, Hangzhou, Zhejiang, Xiamen, Fujian and other regions have successively introduced new policies to reduce social security rates to varying degrees.

On March 2 1 day, Shanghai announced that the unit contribution rate of employees' basic old-age insurance and employees' basic medical insurance would be lowered by 1 percentage point and the unit contribution rate of unemployment insurance would be lowered by 0.5 percentage point from June 65438+ 10/day.

Guangdong will reduce the unemployment insurance payment rate from 2% to 1% in March this year, and it is required to promote the urban-rural integration of basic medical insurance from the second half of this year and gradually reduce the unit rate to about 5.5%.

At the beginning of February this year, Tianjin launched the first batch of 20 policies and measures to reduce the cost of enterprises in the real economy, and proposed to reduce the payment rates of unemployment, maternity and work-related injury insurance. Among them, the rate of unemployment insurance paid by enterprises decreased from 2% to1%; Maternity insurance payment rate decreased from 0.8% to 0.5%; The minimum standard of industrial injury insurance payment is reduced from 0.5% to 0.2%, and the maximum standard is reduced from 2% to 1.9%. After adjustment, the comprehensive rate level was lowered from 0.67% to 0.54%.

In addition, Yunnan and Gansu also reduced unemployment, work injury and maternity insurance rates; Hangzhou City, Zhejiang Province decided to reduce the basic medical insurance premium paid by enterprises 1 month every year, the maternity insurance premium rate decreased by 0.2 percentage points, and the benchmark industrial injury insurance premium paid by enterprises decreased by 0.2 percentage points on average. Xiamen, Fujian Province also issued a notice to reduce the employer's contribution rate of basic medical insurance for enterprise employees 1 percentage point.

In some areas, the personal contribution rate will be lowered.

-Your salary may increase.

It can be seen from the observation that according to the local actual situation, the range of social insurance coverage and rate decline is not consistent with the implementation period, and most of the downward adjustments are unit payment rates.

Take Shanghai as an example. This adjustment in Shanghai involves three types of insurance: pension, medical care and unemployment insurance. The overall rate dropped by 2.5 percentage points, but only the unit contribution rate was reduced. According to estimates, after this rate reduction, it is expected to reduce the burden on enterprises by about 654.38+03.5 billion yuan throughout the year.

However, the reporter noted that Guangdong, Yunnan and other regions not only reduced the unit payment rate, but also took into account the reduction of individual payment rate.

For example, the unemployment insurance rate in Guangdong dropped from 2% to 1%, in which the unit rate dropped from 1.5% to 0.8% and the individual rate dropped from 0.5% to 0.2%. According to estimates, it is estimated that the insured enterprises in the province can pay less than 5.3 billion yuan, and individuals can pay less than 2.4 billion yuan in premiums.

The contribution rate of unemployment insurance in Yunnan decreased from 3% to 2%, in which the employer's contribution rate decreased from 2% to 1.4% and the individual's contribution rate decreased from 1% to 0.6%.

This means that employees in Guangdong, Yunnan and other places may get more wages. Take Yunnan as an example. Employees of enterprises with a monthly salary of 5,000 yuan shall pay unemployment insurance premium at 1% and 50 yuan every month. After the personal rate is lowered to 0.6%, they only need to pay 30 yuan every month, and they can get an extra salary of 240 yuan every year.

On the other hand, people are generally worried about lowering the social security rate. After the social security rate is lowered, will the treatment level of the insured in the future also decline?

In this regard, Shanghai said in the policy interpretation that at present, the income and expenditure of the social insurance fund for employees in this city is good, with a certain accumulation and an annual balance. The downward adjustment of basic old-age insurance, medical insurance and unemployment insurance rates will not affect the overall treatment level of the insured.

Maternity and medical insurance will be merged.

-"Five insurances and one gold" or "Four insurances and one gold"

In addition to reducing the social security rate, some areas also proposed to merge maternity insurance and basic medical insurance.

The "Overall Plan for Supply-side Structural Reform in Guangdong Province (2016-2018)" published in February this year proposes to optimize the structure of social insurance types and promote the combined implementation of maternity insurance and basic medical insurance in accordance with the unified national deployment.

"Several Opinions of Hangzhou Municipal People's Government on Reducing Costs, Reducing Burden and Removing Capacity to Promote the Healthy Development of the Real Economy in an All-round Way" also requires that maternity insurance should be included in the scope of medical insurance management in a timely manner according to the unified arrangements of the state.

The reporter noted that the recently announced "Thirteenth Five-Year Plan" clearly stated that maternity insurance and basic medical insurance should be implemented together.

This means that with the merger of maternity insurance and basic medical insurance in the future, the familiar "five insurances and one gold" may become "four insurances and one gold"