What is the difference between social security of state-owned enterprises and social security of private enterprises?

There is no essential difference between state-owned enterprise social security and private enterprise social security, and both need to pay five insurances.

The social security of state-owned enterprises and private enterprises includes five basic insurances: endowment insurance, medical insurance, unemployment insurance, maternity insurance and industrial injury insurance, but the payment ratio may be different. Under normal circumstances, the contribution ratio of state-owned enterprises will be higher than that of private enterprises, and most private enterprises pay social security according to the minimum base. In addition, some state-owned enterprises have begun to implement the annuity system, while private enterprises have not generally implemented this system. According to the Social Security Law of People's Republic of China (PRC), employees, whether state-owned or private, have the right to inquire about their own payment records and personal rights and interests records and enjoy social insurance benefits.

Proportion of social security contributions of state-owned enterprises:

1, endowment insurance: units generally pay about 16% of the total wages of employees, and individuals pay 8%;

2. Medical insurance: the unit contribution rate is about 10% of the total wages of employees, and the individual contribution rate is 2%;

3. Unemployment insurance: the unit contribution ratio is 65438+ 0%-2% of the total wages of employees, and the individual contribution is 0.5%;

4. Work-related injury insurance: the proportion of unit contributions varies according to the risk level of the industry, and individuals do not need to pay;

5. Maternity insurance: the unit contribution is generally 0.5% of the total wages of employees, and individuals do not need to pay.

To sum up, there is no essential difference between the basic insurance items of state-owned enterprises and private enterprises, but there is a difference between the payment ratio and the annuity system. According to the Social Security Law of People's Republic of China (PRC), employees, whether state-owned or private, have the right to inquire about payment records and personal rights and interests records and enjoy social insurance benefits.

Legal basis:

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

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.