Shanghai social security provident fund highest

A, Shanghai social security and provident fund payment ratio is how much the employee himself and the unit housing provident fund contribution ratio is 5% to 7% each. In principle, the contribution ratio is 7% each, the enterprise can according to the Shanghai Provident Fund Management Committee [2016] No. 10 listed in the circumstances of the reduction of the contribution ratio, the choice of each 5% or each 6% of the contribution ratio, but should be through collective bargaining, the formation of the adjustment of the proportion of the housing provident fund contributions to the special agreement, and by the workers' representative assembly or the general meeting of all the employees voted to adopt the Municipal Provident Fund Management Center will no longer be approved. Shanghai social security contributions paid by the unit at a rate of 35%: 21% for old age, 11% for medical care, 1.5% for unemployment, 1% for maternity, and 0.5% for work-related injuries. Individuals at the rate of 10.5%: 8% pension, 2% medical, 0.5% unemployment, 0% maternity, 0% work-related injuries. housing provident fund units, individuals pay 7% each. Second, the collection of social insurance premiums 1, proportional premium system This way is based on the insured person's salary income, set a certain percentage, so as to collect insurance premiums. The main purpose of the original social insurance system is to compensate the insured for the loss of income during the period of risky accidents, in order to maintain their minimum living, so it is necessary to refer to the income on which the insured usually depends, on the one hand, as a measure of the standard of payment, and on the other hand, as the basis for the calculation of premiums. The biggest defect of the proportional premium system based on work is that the burden of social insurance is directly linked to wages, no matter whether the employer and the employee both pay social insurance premiums or one of them pays social insurance premiums, the burden of social insurance is manifested as an increase in the cost of labor, which will result in the crowding out of labor by capital and thus lead to an increase in unemployment. 2. Equalization of the premium system, that is to say, no matter how much the income of the insured person or the employer is, the same amount of premiums is charged. This system has the advantage of being simple to calculate. The advantage of this system is that it is simple to calculate and easy to implement universally; moreover, the countries that adopt this method of collecting insurance premiums generally adopt the equalization system in their payment, which has the significance of equality of income and expenditure. But its defect is that the low-income people and high-income people pay the same premiums, in terms of affordability is obviously unfair. Third, the function of social security 1, the function of stabilizing social life 2, the function of redistribution 3, the function of promoting social and economic development: the first is that the social insurance system functions as an important tool for demand management, thus playing a positive role in the economy; the second is that the effective use of social insurance funds can promote sustained economic prosperity; the third is that the social security has become a basic condition for enterprises to recruit talents.

One, Shanghai social security and provident fund how to transfer out 1, provident fund can be withdrawn, need procedures: original ID card; the original account book; proof of separation; Shanghai provident fund withdrawal certificate (both certificates to the original company to open) with the above information to the nearest branch of the construction bank of the Shanghai districts of the provident fund business counters, to handle the housing fund withdrawal business. 2, pension insurance need to bring ID cards to the original unit where the social security center to print payment vouchers to the current workplace of the social security center, apply for transfer. 3, medical insurance directly in the current workplace of the medical insurance center to apply for transfer. Second, how to transfer out of the provident fund employees because of the expiration of the term of the employment contract or for other reasons and the termination of the labor relationship with the unit, should apply for the transfer of housing provident fund procedures, the specific steps are as follows: (1) the employee in the new transfer of the unit of the collection of the Department of the provident fund account, and provide proof of the opening of the account; (2) the transfer of the unit according to the employee's housing provident fund sub-accounts of the book balance, fill out a quadruplicate The transferring unit will fill out a four-part "Notice of Transfer of Housing Provident Fund" and send it to the centralized department for transferring procedures. Fill out the "housing fund transfer notice" should pay attention to fill out the following content: transfer, transfer the full name of the unit, unit number and belong to the collection department; transfer out of the name of the employee, the number should be the same as the unit remittance register filled out; transfer the amount of the account balance of the employee account; signature (in the collection department to stay in the seal). In accordance with the State Council "Housing Provident Fund Management Regulations", the employee should be separated from the original unit for the closure of the deposit, to be transferred to a new unit to continue to contribute to the new unit after the work, but can not be canceled to withdraw the account. Only those who meet the conditions for withdrawal can apply for withdrawal of personal housing fund details. Third, the housing fund withdrawal procedures how to do 1, already have housing and property certificates: with property certificates (must be my own), provident fund withdrawal application approval form (go to the provident fund center to get and take back to the unit to seal and fill in the unit's provident fund account number; large-scale units will generally be stored in the financial department of such a form), my ID card, to the city of the provident fund center for review, and then go to the bank to withdraw (). Provident fund center will tell you which bank). 2, loan to buy a house: with the purchase contract, purchase loan contract, repayment details (bank printout, it is best to consult the loan bank and the provident fund center in advance, how long it takes to repay the details), provident fund withdrawal application approval form, my ID card, to the provident fund center. It should be noted that: if the property is a husband and wife *** with **** have or after marriage loan to buy a house, or to withdraw the two sides of the provident fund, but also to provide the husband and wife's identity card, marriage certificate, household register.