The actual salary of the person as the contribution base, why the bank employees of the social security contribution base will be so high?

The Agricultural Bank of China was reformed through the former Agricultural Credit Union, belonging to the collective nature of the banking industry, although belonging to the collective nature, but whether it is the management of the cadres of the management method, or the recruitment of employees, in fact, and the state-owned commercial banks are very similar. The banking industry is characterized by financial marketization, that is, within the scope of the relevant laws and regulations by the CBRC management, in the business of the People's Bank of China to accept the supervision of the characteristics of the more special, into the agricultural and commercial banks work, is not a golden bowl, but it is better than a golden bowl. Because the loan is the operation of the money trade, so its economic returns are very good, coupled with the special nature of the financial institutions, whether it is the selection of practitioners, to the scope of business have a certain uniqueness, so the commercial bank workers salary level is also very high.

The contribution base for social security, including social pension and medical insurance, is based on a person's actual income, and the higher the income, the higher the contribution base. However, there is also a principle of keeping the contribution base of social security low and highly limited. The said guarantee low is when the individual's actual income is less than 60% of the average monthly income of employees in the previous year, only in accordance with the average monthly income of employees in the previous year, 60% of the contribution base; height limit is when the individual's actual income is higher than the average monthly income of employees in the previous year, 300% of the average monthly income of employees in the previous year, only in accordance with the average monthly income of employees in the previous year, 300% of the contribution base, which is higher than the 300% of the part of the contribution base above. Part of the calculation is not calculated for the contribution base, in a word to describe, in fact, is the social security contribution base at least not less than 60% of the average monthly income of employees in the previous year, the maximum may not be higher than 300% of the average monthly income of employees in the previous year, in the 60% above the 300% of the range, are in accordance with the actual income of the individual to make contributions to the base.

In accordance with the relevant statistical analysis of data collection and collation, at this stage the average value of the bank staff salary treatment, Ping An Bank is very high, the average value of more than 643,300 yuan per year, the least Postal Savings Bank is the average value of 235,000 yuan per year, naturally, that's just the average income, the actual number of money each employee can get to how much money different types of financial institutions, different types of positions, different types of geographical differences is very very big. The difference between different types of financial institutions, different types of positions, and different types of geographic areas is very, very big. Bank employees by position, there are bank tellers, business managers, product operations, risk managers and so on. By position level, there are bottom-level employees, branch chiefs, business managers, and so on. By employee standards, there are junior, junior, high-end, authoritative experts and so on. Therefore, when it comes to the actual monthly salary of the bank staff is how much there is no actual information, after all, different financial institutions, not the same pay grade salary is different, even if the same financial institution with the same position, in various cities salary income is also completely different.

Although the social security contributions have a low height limit principle, but for bank employees, the limit is not useful, because the financial institutions are unlikely to be less than 60% of the average monthly income of the previous year's employees, more usually only a high limit, the height limit is the standard is the average monthly income of the previous year's employees three times the average monthly income, and for the majority of most of the employees of most commercial banks, the base of their social security contributions are basically the same as the average monthly income of the employees. Its social security contribution base can basically do more than 200%. For example, the average monthly income of employees in the previous year was more than 10,000 yuan, three times the payment is more than 30,000 yuan, each year is about 36 million.

But the average monthly value of the previous year's employees exceeded 10,000 yuan in the region is ultimately very small, in addition to Beijing and Shanghai, other places are almost all within 10,000 yuan, many places issued by the social security contribution limit, to Beijing, for example, Beijing 2021 social security contribution limit of 28,221 yuan, can not reach 30,000 yuan to pay norms, according to the contribution limit for the calculation of the year's salary levels In fact, it is a little more than 300,000 yuan, the Beijing Municipality should be regarded as the highest payment limit in the country. Chongqing Municipality 2021 social security contributions limit of 17,455 yuan, which has a certain symbolism in the central and western regions. In accordance with the requirements of the Chongqing Municipality of this payment limit, each year annual income of about 21 million people, can be carried out in accordance with 300% of the payment, but the bank employees, the annual income of about 21 million is very much.

Overall, the bank employee's contribution base is very high, mainly social security contribution base to their actual income as a contribution base, because the bank employee's salary is very high, so the contribution base is very high is not surprising. Because the salary level of bank employees usually exceeds 60% of the average monthly income of employees in the previous year, only need to exceed 60% of the average monthly income of employees in the previous year, employees need to be in accordance with the actual income of the individual as the contribution base. In the bank staff, the actual income to be less than 60% of the average monthly income of employees in the previous year, there is basically no one, which is the bank employees to pay the base of a wide range of relatively high deep reasons.