Is the social security payment base cost-effective

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The determination of the payment base is different:

1, company payment: the base is linked to the employee's salary, and it is declared according to the average monthly salary of the previous year (new employees are declared according to the first month's salary), but not according to the salary. If the wage is lower than 60% of the average social wage in the previous year, the base shall be calculated according to 60% of the average social wage in the previous year; If it is higher than 300% of the average social wage of last year, it shall be calculated according to 300% of the average social wage of last year; The social salary in the last year is between 60% and 300%, and it is declared according to my actual salary.

2. Individual payment: the base is fixed, which is 60%- 100% of the average social wage in the previous year, and the term is freely selected in five grades.

Different payment ratios:

1, unit contribution: unit contribution ratio is 19%, and individual contribution ratio is 8%. 8% paid by the individual is included in the personal account, and 19% paid by the unit is kept by the pooling fund country. What is related to our retirement salary is the amount contained in the personal account. The more, the better. Because the proportion remains the same, the payment base is related to wages. The higher the salary, the higher the base, and the more money will enter the personal account.

2. Personal payment: the payment ratio is 20%, of which 8% is included in the personal account. Payment ratio 12% is put into the overall fund, and 8% is put into the personal account. If an individual pays, it is equivalent to an individual paying the company's money. It can be seen that it is actually more cost-effective for employers to pay insurance.

Different subjects bear the expenses.

1, unit insurance: the social security expenses of the insured personnel in the unit shall be borne by the unit, and the individual shall bear the personal part. Under normal circumstances, the amount paid for the Lantern Festival is much higher than that paid by employees themselves.

2, individual contributions, for individual insured units, all social security costs can only be borne by themselves, and the payment amount is high.

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