What do you mean by five insurances and one gold?

"Five insurances and one gold" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; \x0d "one gold" refers to the housing accumulation fund. \x0d\ Among them, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay fees. It should be noted here that "five risks" are legal, but "one gold" is not. \x0d\ What is the payment ratio of "five insurances and one gold"? \x0d\ At present, the contribution ratio of endowment insurance in Beijing: 20% for the unit (of which 17% is transferred to the overall fund, 3% to the personal account) and 8% for the individual (all transferred to the personal account); Medical insurance payment ratio: unit 10%, individual 2%+3 yuan; \x0d\ Unemployment insurance payment ratio: unit 1.5%, individual 0.5%; Industrial injury insurance determines the industrial injury rate according to the industry scope of the unit; Maternity insurance payment ratio: 0.8% for the unit, and no payment for the individual. \ x0d \ x0d \ provident fund deposit ratio: choose the housing provident fund deposit ratio according to the actual situation of the enterprise. However, in principle, the maximum wage shall not exceed 10% of the average wage of employees in Beijing.