What is the difference between a salary with five insurances and one gold and a salary without five insurances and one gold?

The difference lies in the actual salary.

The specific analysis is as follows:

(1) includes five insurances and one gold.

That is to say, personal contributions are included in the salary, which is directly deducted from the salary of 5,000 yuan per month, and the money you actually get is less than 5,000 yuan.

(2) Excluding five insurances and one gold,

After deducting the personal contributions of insurance and provident fund, the actual salary is 5000 yuan.

The final explanation should be recognized by both employers and employees, or clearly written in the labor contract. In order to avoid falling out because of the ownership of the interpretation right in the future.

Five insurances and one gold will be deducted from your salary. According to national regulations, enterprises will withhold from employees' wages. If your salary is 5,000 yuan, less than 5,000 yuan after deducting social security and housing accumulation fund, including 8% of endowment insurance, 2% of medical insurance, unemployment insurance 1%, maternity insurance and industrial injury insurance. You won't pay the housing provident fund.

If the salary does not include five insurances and one gold, the salary is 5000, and the actual salary is 5000.

Extended data

deal with

(1) social security and provident fund account opening

Enterprises need to open accounts for social security and provident fund at the Social Security Bureau and the Provident Fund Center within 30 days from the date of establishment. After opening a social security account, you will get the social security registration certificate, and after opening a provident fund account, you will get the unit provident fund registration number.

(2) Increase or decrease personnel

Every month, the company will add new employees to the company's five insurance and one gold account and delete employees who have left the company from the account.

(3) Confirm the payment base

The unit needs to declare the correct payment base of five insurances and one gold for employees every month to ensure the normal payment of five insurances and one gold. The payment base of five insurances and one gold is the average salary of employees in the previous year or the salary in the first month of employment.

(4) Five insurances and one gold payment

Enterprises, banks, social security/provident fund management institutions sign bank payment agreements, and directly deduct five insurances and one gold fee from the enterprise bank account at a fixed time every month.

Baidu encyclopedia: five insurances and one gold