Annual growth rate of social security in Beijing

At the beginning of the new year, Tianjin, Chongqing, Fujian, Jiangxi and other places have raised the social security payment base standard. Compared with 20 14, the social security fees paid by employers and employees have increased. Why is the payment rate high and the payment base is still rising? Is the burden heavier after the increase? The reporter tracked this. According to Xinhua News Agency's "Xinhua Viewpoint"

Is it a general increase?

Tianjin Human Resources and Social Security Bureau recently announced that in 20 15, the minimum and maximum standards for employers and employees in Tianjin to pay urban workers' basic pension, basic medical care, unemployment, work injury and maternity insurance premiums are 28 12 yuan and 14058 yuan respectively. According to this calculation, the lower limit of social security contribution base is raised by 282 yuan, and the upper limit is raised by 1278 yuan, with the increase ranges of 1 1% and 10% respectively. This means that even if the monthly salary is less than 2,000 yuan, enterprises and employees should pay social security according to the lower limit of the payment base of 28 12 yuan.

The reporter found out that in addition to Tianjin, Fujian, Jiangxi and other places have also raised the lower and upper limits of the social security contribution base. According to the introduction of social security departments in Guangxi and Hubei, in recent years, the base of social security contributions has increased every year, which is generally determined according to the "average social wage" of the previous year.

Relevant experts said that this means that the average social wage will increase and the payment base will also rise, which is a common phenomenon. According to public information, in 20 12 years, the lower limit of Beijing social security contribution base was 1869 yuan, and it was raised to 23 17 yuan in 20 14 years; The lower limit of Zhejiang's payment base has also increased from 20 12 1908 yuan to 2230 yuan14.

The national social insurance fund issued by the Ministry of Finance has also increased year after year. In 20 13, the total income of the national social insurance fund was 3,599.4 billion yuan, an increase of15% over the previous year; 20 12 and 20 1 1 increased by 22% and 34% respectively.

Is the contribution rate of 40% too high?

At present, the payment ratio of "five insurances" in China is 29.8% for enterprises and 1 1% for individuals, which is more than 40% of personal salary.

"Social security expenditure accounts for a high proportion of employee expenditure, which leads to the inability of enterprises to pay, employees are unwilling to pay, and some simply do not pay." Liu, president of Wuhan Catering Association and chairman of Little Blue Whale Group, said that the salary of ordinary employees in Wuhan catering industry is 1.500 yuan per month, but the minimum standard of social security participation is increasing year by year, and the social security expenditure of enterprises is also increasing year by year. At present, each employee pays more than 800 yuan, more than half of the employee's salary.

Mr. Hong, the general manager of an intermediary company in Liuzhou, Guangxi, said that the minimum payment base of local social security is 2 1.3 1.9 yuan, which is higher than the average wage of employees in this enterprise. "According to this payment base, the company has to pay 658.85 yuan for each employee every month, and the individual employee has to pay 234.7 yuan. Based on an employee's monthly income of 2,000 yuan, the cost paid by social security accounts for 45%. "

According to Bai Zhongen, a professor in Tsinghua University, the sum of the five social insurance statutory contributions in China is equivalent to 40% of the wage level, and even reaches 50% in some areas; China ranks first among 18 1 countries in the world, which is about twice the average level of the other three BRICS countries, three times that of the five Nordic countries, 2.8 times that of G7 countries and 4.6 times that of East Asian neighbors.

Is the payment base reasonable?

Yan, a professor in the insurance department of capital university of economics and business, said that according to relevant laws and regulations, the social security payment base is determined according to the average social wage. "The average social wage in China is growing at a faster rate every year, so it is natural to increase the payment base."

So does the average social wage used to determine the payment base reflect the real income level of workers?

Qiao Jian, director of the Labor Relations Department of China Institute of Labor Relations, said that in the past, the average social wage was mainly urban workers, but now the main body of workers has become migrant workers. "This has caused many people to fail to reach the average social wage and feel that they have been averaged. The average social wage itself is artificially high, but because it is linked to many things, it will face many problems when it is changed. "

Statistics show that in 20 13 years, the average annual salary of employees in urban non-private units nationwide was 5 1474 yuan, and the average annual salary of employees in urban private units nationwide was 32,706 yuan. The income gap between private enterprises and non-private enterprises is large, and the income difference between industries is not small.

Regarding the increase in the payment base this year, Qiao Jian thinks, "In fact, in the case of bad years this year, the increase in the social security collection base should not be so great. This growth does not meet the overall needs of the overall economic downturn and social insurance reform this year. Reality. "

Can the social security rate be reduced?

According to the experts interviewed, the deeper reason behind the rising social security payment base year after year is that China's social security system was established late, and some people still enjoy social security benefits without paying or accumulating insufficient contributions, which makes the contribution growth of China's social security fund greater than the contribution growth. The Third Plenary Session of the 18th CPC Central Committee clearly pointed out that the social insurance premium rate should be appropriately reduced in a timely manner. Experts believe that reducing the social insurance premium rate is based on expanding the income source of the social security fund and maintaining the balance of the fund. The key is where the money comes from.

Increase financial subsidies and strengthen fund management. Relevant experts pointed out that reducing the social insurance rate should pay off old debts by allocating state-owned assets, increasing dividends of state-owned enterprises and increasing financial subsidies. It is necessary to strengthen the management of pension investment and strive for "letting Qian Shengqian". The data shows that the current social security expenditure accounts for 12% of China's fiscal expenditure, which is far lower than the ratio of 30% to 50% in western countries.

Steadily promote the integration of endowment insurance. Statistics show that the pension replacement rate of employees in government agencies and institutions in China exceeds 80%, and some even reach 100%. At present, the pension replacement rate of enterprise employees is below 50%. Xiang Yunhua, a professor at the Social Security Center of Wuhan University, believes that how to balance the pension replacement rate will be the key to the steady progress of the "merger".

Improve the enthusiasm of workers to pay fees. The reporter learned that there are still many phenomena of "abandoning insurance". Therefore, how to protect the income of workers while reducing social security contributions is the key to improve the enthusiasm of workers to pay.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.