What is the minimum standard for five insurances and one gold?

Legal analysis: The minimum standards of five insurances and one gold stipulated by the state are as follows: Five insurances and one gold refer to several security benefits provided by employers, including pension insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

1, pension insurance contribution ratio. Unit 2 1% (all included in the overall fund) and individual 8% (all the insufficient part included in the individual account).

2. Proportion of medical insurance payment. Unit 9%, individual 2%+3 yuan.

3. Unemployment insurance payment ratio. Unit 2%, individual 1%.

4. Work injury insurance. The unit pays you 0.5% every month, and you don't have to pay a penny yourself; Industrial injury insurance determines the industrial injury rate according to the industry scope of the unit, which is between 0.5% and 2%.

5. Maternity insurance. The company pays you 1% every month, and you don't have to pay a penny yourself.

6. Housing accumulation fund. Specific units and individuals each bear 50% of the proportion, calculated according to the average annual salary of individuals.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Article 61 The employing unit shall declare on its own and pay social insurance premiums in full and on time. Except for legal reasons such as force majeure, the payment shall not be postponed or reduced. The social insurance premiums payable by employees shall be withheld and remitted by the employer, and the details of paying social insurance premiums shall be informed to me on a monthly basis. Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.