Proportion of social security units and individuals in Xiangyang City

In reality, the more developed areas, the more employees pay attention to social security. Especially in first-tier cities, social security has become an important criterion for finding a job because it is linked to the qualification of buying a house and a car. 1. What is the ratio of individual contributions to unit contributions? Social security should be paid according to the actual salary, and the proportion is generally 25% for the unit and 8% for the individual. Please consult the Social Security Bureau for details. Second, the characteristics of social insurance 1: the objective basis of social insurance is the risks existing in the labor field, and the object of insurance is the personal life of workers; Feature 2: The subject of social insurance is specific. Including workers (including their relatives) and employers; Feature 3: Social insurance is compulsory; Feature 4: the purpose of social insurance is to maintain the reproduction of labor force; Feature 5: The insurance fund comes from the contributions and financial support of employers and workers. Insurance coverage is limited to employees, excluding other social members. The insurance coverage is limited to all kinds of risks in labor risks, excluding other risks such as property and economy. Third, the collection method of social insurance premiums 1, proportional insurance system This method is based on the salary income of the insured and stipulates a certain proportion, thus collecting insurance premiums. Adopting the proportional system, the initial main purpose of social insurance is to compensate the income lost by the insured in risk accidents in order to maintain their minimum living. Therefore, we should refer to his usual income, on the one hand, as a standard to measure payment, on the other hand, as the basis for premium calculation. The biggest drawback of the work-based proportional insurance system is that the burden of social insurance is directly related to wages. Whether employers and employees bear social insurance premiums or one of them bears social insurance premiums, the burden of social insurance is manifested in the increase of labor costs, which will lead to capital crowding out labor, which will lead to an increase in unemployment. 2. The system of matching insurance premium means that no matter how much the insured or his employer earns, the same amount of insurance premium should be charged. The advantages of this system are simple calculation and easy to be universally realized. Moreover, countries that collect insurance premiums in this way generally adopt an equal share system when paying fees, which is of equal significance. But its defect is that low-income people and high-income people pay the same premium, which is obviously unfair in terms of affordability. To sum up, we can know that social security should be paid according to the actual salary, and the payment ratio is generally 25% for the unit and 8% for the individual.

Legal objectivity:

Article 12 of the Social Insurance Law of People's Republic of China (PRC) * * * 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. "People's Republic of China (PRC) Social Insurance Law" Article 23 * * * employees shall participate in the basic medical insurance for employees, and employers and employees shall pay the basic medical insurance premiums in accordance with state regulations. Article 35 of the Social Insurance Law of People's Republic of China (PRC), the employing unit shall pay the work-related injury insurance premium according to the total wages of its employees and the rate determined by the social insurance agency. Article 47 of the Social Insurance Law of People's Republic of China (PRC) shall be determined by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government, and shall not be lower than the minimum living standard for urban residents. Article 53 of the Social Insurance Law of People's Republic of China (PRC) * * * Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with state regulations, but employees shall not pay maternity insurance premiums.