The difference between social security of state-owned enterprises and social security retirement of private enterprises

The difference between state-owned enterprise social security and private enterprise social security retirement varies from company to company. It depends on the level of social security.

Under normal circumstances, wages are different; Different treatment after retirement; The payment base is different. According to the relevant laws and regulations, general state-owned enterprises pay according to the personal salary when the personal salary is higher than the average social salary, while most private enterprises pay employees according to the minimum social security base, so the boss can pay less social pooling fees, so state-owned enterprises usually pay more social security funds, and the wages of employees of state-owned enterprises are relatively higher after retirement.

The proportion of social security contributions of state-owned enterprises is as follows:

1. Old-age insurance: the individual contribution ratio of old-age insurance is 8% of the base, and the unit contribution ratio is 20% of the base;

2. Medical insurance: the individual contribution rate of medical insurance is 2% of the base, and the unit contribution rate is10% of the base;

3. Unemployment insurance: the individual contribution rate of unemployment insurance is 0.2% of the base, and the unit contribution rate is 0% of the base;

4. Maternity insurance: individuals do not pay maternity insurance, and the proportion of unit payment is 0.8% of the base;

5. Work-related injury insurance: the individual does not pay for work-related injury insurance, and the proportion of unit payment is 0.8% of the base;

6. Provident fund: the individual contribution ratio of the provident fund is 12% of the base, and the unit contribution ratio is 12% of the base.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 60

The employing unit shall declare itself and pay social insurance premiums in full and on time, and shall not postpone or reduce the payment except for legal reasons such as force majeure. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis.

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.

Regulations on the administration of housing provident fund

Article 16

The monthly deposit amount of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.