What is the proportion of social security in Xiangyang?

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Calculation formula of minimum payment standard for five insurances and one gold: minimum payment base for five insurances and one gold * minimum payment ratio for five insurances and one gold.

According to the current relevant regulations in China, 60% to 300% of the average salary of the previous year is the base of payment. This means that the average social wage will increase and the payment base will also increase.

Among them, the social security payment base is a hurdle. Generally speaking, it has two standards, the highest standard and the lowest standard. If a person's salary is between the highest and lowest standards, he will pay according to his average monthly salary in the previous year multiplied by the contribution rate; If a person's salary is greater than the highest standard, he will be paid according to the highest standard, and the extra part will not be paid; More importantly, if a person's salary is lower than the minimum standard, then he has to pay according to the minimum standard.

The base of social security contributions in various places is generally based on the average wage, and the Interim Measures for the Administration of Individual Accounts of Employees' Basic Endowment Insurance (Lao Ban Fa [1997] 1 16) is the base. The method stipulates that if my average monthly salary is lower than 60% of the average monthly salary of local employees, I will pay 60% of the average monthly salary of local employees; If it exceeds 300% of the average monthly salary of local employees, it will be paid according to 300% of the average monthly salary of local employees, and the excess will not be recorded in the base of payment salary or pension. Taking the average wage as the base is also of great significance to the unit payment. Although according to the relevant documents, the social security fees paid by enterprises are calculated at 20% of the total wages of enterprises. However, in many places, in practice, enterprises are still bound by personal accounts, requiring enterprises to refer to the highest and lowest base standards when paying fees. In addition to the highlight of endowment insurance, many other four guarantees, such as medical insurance and unemployment, are also based on this.

In addition, according to the regulations, the deposit base of housing provident fund is adjusted once a year according to the average monthly salary of employees in the previous year. The deposit base of housing provident fund shall not be lower than the minimum monthly salary, and the maximum shall not exceed three times the average monthly salary of employees in the previous year.

The payment ratio of five insurances and one gold varies from place to place. Generally speaking, the minimum payment ratio of five insurances and one gold is as follows:

Endowment insurance: the unit pays 20% and the individual pays 8%;

Medical insurance: unit 9%+ 1%, individual 2%+3;

Unemployment insurance: the unit pays 1%, and the individual pays 0.2% (note: agricultural registered permanent residence does not pay);

Maternity insurance: the unit pays 0.8%, and the individual does not;

Industrial injury insurance: the unit pays 0.8%, and the individual does not pay;

Provident fund: unit contribution ratio 12%, individual contribution ratio 12%.