What is the cost pressure of five insurances and one gold on private enterprises? Why do you say that?

Five insurances and one gold are not only the pressure of private enterprises, but also the pressure of all enterprises with the current payment system. The payment base of five insurances and one gold is the average monthly income of an individual in the previous year. For example, an employee's annual income is 1.2 million, and his payment base is 1.2 million/.2 months = 1.0 million.

If it is a new employee, the payment base of the first year is the salary income of the first month. In addition, if the payment base is lower than 60% of the local average social wage in the previous year, it will be calculated at 60%; If it is higher than 300% of the social wage, it will be calculated as 300%. At present, the minimum base is increasing year by year.

For the old-age insurance, the money in the old-age personal account and the medical insurance personal account is not cleared, and the accumulated payment period is not cleared. The payment period of endowment insurance is cumulative, and it is not afraid of interruption. As long as the accumulated payment period before retirement is greater than 15, you can receive a pension.

For medical insurance, if medical insurance is broken, the impact will be great. The most direct impact is that medical expenses cannot be reimbursed. Most areas can no longer use medical insurance from the second month, that is to say, if social security is cut off in March, then from April, if you are hospitalized, you can definitely not use medical insurance to reimburse expenses.

For employees, the annual income is 60 thousand, but for the company, the labor cost of employees is 83.7 thousand. Suppose this company has 100 employees, all with an annual salary of 60,000, and pays 2.37 million for five insurances and one gold. For any enterprise, this expenditure is not a negligible cost.

Small factories, in particular, only pay social security to managers, not to workers at all, and force them to sign the so-called "voluntary waiver of social security" to avoid legal responsibility. I want to make it clear here that this kind of document has no legal effect after being signed, because the payment of social security is not agreed by both parties, but stipulated by law.

So sometimes, five insurances and one gold is actually a very important treatment, but now most work units are more formal and strictly abide by the provisions of the labor contract law, so we will pay five insurances and one gold to employees in time, but we will also encounter some informal work units, and he is unwilling to pay five insurances and one gold to employees, so we must pay attention to such a problem in the process of finding a new unit.

It is closely related to each of us, inseparable and even affects our lives. Because five insurances and one gold include employee pension insurance, and the purpose of employee pension insurance is to enjoy a pension in the future. If you can participate in pension insurance normally, there will definitely be no problem with the level of pension in the future.

Buying a house and buying a car will also be affected. In many big cities, buying car points will also refer to your social security payment time. As far as the qualification of buying a house in Wuhan is concerned, those who don't have a Wuhan hukou need to pay social security 1 year continuously. Once the mortgage is cut off, it will be recalculated. In short, in some provincial capital cities, the continuous payment period of social security is directly linked to the qualifications for buying a house, shaking the number and settling down.

Five insurances and one gold are a heavy burden for enterprises, which is not the reason why enterprises pay less or not. There are risks in business operation. As employees, they have no obligation to bear the business risks of the enterprise, just as the enterprise makes money, and the boss will not give them a reason.