Is it reasonable for enterprises to deduct social insurance premiums because of the epidemic?

In view of the state's reduction and exemption of social security for enterprises, is it reasonable for enterprises to deduct social security for employees? It can be clearly told here that the company's approach is reasonable.

1. What is the original intention of the state to reduce or exempt social security for enterprises? In view of the implementation of the national social security reduction and exemption policy for enterprises, the most important original intention is to help enterprises reduce the economic pressure of paying social security to employees due to the negative growth of most industries caused by the epidemic. We know that since the epidemic swept across the country, the economy of most industries has been affected to varying degrees. Among them, the tertiary industry will be the most affected by the epidemic. It involves the industries of "eating, traveling, watching, transporting and learning".

To give a simple example: according to relevant statistics, the catering industry has been a big market of more than 4 trillion in recent years, with an average of almost 1 trillion in a quarter. During the period when the epidemic was serious, many areas asked people not to eat out or have dinner together, resulting in the economic loss of the catering industry in the first quarter of at least 500 billion yuan. Many restaurants are experiencing negative economic growth.

But even if there is negative economic growth, employees' wages and social security need to be paid and paid on time every month. This makes enterprises face a great economic crisis. I basically lost money every month during the epidemic. Where can I pay social security for employees?

Because most workers are in different positions, it is difficult to see the dilemma of the company boss. Many workers think that it is natural for enterprises to pay us wages and social security. There is nothing wrong with the law, but in fact, enterprises that pay five insurances and one gold for their employees bear very high labor costs. Take the old-age insurance as an example. Individuals pay 8% of the old-age insurance every month, while enterprises pay about 20%. According to estimates, the amount of social security paid by enterprises every month is about 65438+ 0.5 times that paid by individuals. That is to say, if the total monthly social security contribution of an individual is 800 yuan, then the enterprise will probably pay 1200 yuan. If the company has 100 employees, then only social security needs to pay 120000 per month, which is not counting employees' wages and provident fund.

Therefore, considering the impact of the epidemic on the enterprise economy, the state has formulated relevant rescue policies.

Second, why is it reasonable for the state to reduce social security for enterprises and for enterprises to deduct social security for employees? Friends who have doubts about this may not know much about the payment method of social security in China. First of all, if we are employees of a unit, most of the social security paid is enterprise employee social security. If it is enterprise employee social security, its payment method is mainly composed of two parts, which are paid by both enterprises and employees. Personal contributions are all included in personal accounts as part of personal pension accounting after retirement; The part paid by enterprises is included in the national overall planning, which plays an important role in the distribution of national basic pensions.

And let's take a look at the relevant regulations of the state on reducing social security for enterprises. Total * * * can be divided into three aspects:

1.2-June, the contributions of pension, unemployment and industrial injury insurance units of large enterprises in China (except Hubei Province) can be halved;

From February to June, Hubei province can exempt all kinds of insured enterprises from paying pension, unemployment and work-related injury insurance units;

From March 2 to June, small and medium-sized enterprises in China (except Hubei Province) may be exempted from pension, unemployment and industrial injury insurance units;

It can be seen from the above provisions that the relevant relief policies are aimed at "enterprises". Therefore, the state did not say that the personal part was also reduced. The main reason is that during the epidemic, although many employees did not go to work, most enterprises paid their employees. Since salary is paid, it is equal to wage income. Therefore, individual contributions to social security should still be paid by individuals, so enterprises, as withholding agents, still have the obligation and right to deduct individual social security fees.

Written at the end: To sum up, it is reasonable and legal for the state to reduce or exempt social security for enterprises and for enterprises to deduct social security for employees. So we can't think that enterprises lack "human touch" and humanistic care because of this incident. In this difficult period, enterprises also have their own difficulties. Only when enterprises and workers understand each other can they help enterprises adjust quickly and get through this "economic crisis", which is also beneficial to our workers. After all, as hard-working "workers", we still need to work to support our future life.