15 how much does it cost to pay social security for retirement?

Legal analysis: after the social security payment 15, the monthly pension after retirement is about 150~3000.

What is social security?

There are two types of social security, including five insurances and one gold paid by employees and civil servants (social insurance for urban employees) and social insurance for urban and rural residents. The payment group is generally the insurance paid by rural residents, self-employed and migrant workers in their hometown.

The biggest difference between the two is that social insurance for urban workers is compulsory, that is, the unit must pay social insurance for on-the-job workers, and the social insurance rate is high, which is borne by individuals and enterprises respectively. At present, individuals bear about 10% of the total wages, and units bear about 29% of the total wages. Social insurance premiums for urban and rural residents are relatively low. Generally, there is a payment grade of100 ~ 2,000 yuan * * 12. After the insured chooses the payment grade, he will pay the fee on schedule every year, while the social insurance for urban workers will be paid monthly.

Because the social insurance for urban workers has the greatest influence, the highest total cost and the largest coverage in real life, the social insurance for urban workers that we analyze next is the default social insurance for urban workers.

Why should we lower the social security rate?

1. As mentioned above, social security rates account for a large proportion of personal and corporate expenditures. Take Xiaobai as an example (if individual: unit = 10%: 29%), if the monthly salary is 10000 yuan, then the salary balance after deducting social security is 9000 yuan, and the social security fee paid by the enterprise for Xiaobai is 3900 yuan, which is Xiaobai's. If all these taxes and fees are deducted, the salary that Xiaobai can actually get in the end is about 8000 yuan, and the labor cost of the enterprise reaches 14400 yuan-15 100 yuan, which is a great burden for the enterprise.

Comparatively speaking, China's social security rate is relatively high in the world. According to the data of Zheshang Securities, as of 20 15, the total social security rate in China is 27.75% (the social security rate varies in different cities), only 8.25% in the United States and 16% in Singapore. According to some analysts, among the 20 largest economies in the world, the social security rate of China ranks second, second only to French (5 1%).

2. In the past, the high social security rate did not bring too much business burden to enterprises, especially small and micro enterprises, because many enterprises paid according to the minimum payment base. For example, Xiaobai's salary is 10000 yuan, but the unit pays social security based on 2300 yuan. In the end, the costs borne by these enterprises are not high. The White Paper on Enterprise Social Security in China shows that in 20 17 years, 75.9% of enterprises failed to meet the social security standards.

According to the "Reform Plan of National Tax and Local Tax Collection and Management System", social security will be uniformly collected by the tax authorities. In other words, in the future, tax and social security can only be the same account. The salary declared in the Social Security Bureau can no longer be 2,300 yuan as before, and the salary applied in the Tax Bureau is 1 10,000 yuan, which means that social security and individual taxes are levied on the basis of 1 10,000 yuan, which will greatly increase the cost for 75% enterprises that fail to meet the standards.

What is the pension system in China?

China's pension system is divided into three parts, one is the basic pension insurance, that is, the social security pension insurance mentioned above, and the other is the annuity system, which is a supplementary pension insurance system voluntarily established by enterprises and their employees on the basis of participating in the basic pension insurance according to law. Simply put, individuals and enterprises use one account, and both parties pay fees within a fixed period of time. The third is commercial endowment insurance, that is, buying corresponding insurance from insurance companies for future pension.

At present, China mainly focuses on basic old-age insurance, and the development level of the latter two is still relatively low. However, foreign countries are different. The American pension system is divided into three parts, one of which is basic pension insurance, but its proportion in the total pension scale is not high as a whole. By the end of 20 15, the accumulated retained assets of American basic old-age insurance were about 2.78 trillion US dollars, accounting for 1 1.2% of the total assets of the old-age insurance system.

The second part is the employer's pension insurance plan, which is similar to China's enterprise annuity system. By the end of 20 15, the total assets of the employer's pension insurance plan were 14.70 trillion US dollars, accounting for 59.25% of the total assets of the pension insurance system, which is the most important source of retirement pension for American employees.

The third part is personal savings pension insurance, that is, everyone has his own pension account, but the funds in this account can only be used after retirement. If you put a sum of money into this account, the government will give some tax relief to improve everyone's enthusiasm.

The social security rate is lowered. What measures may be taken in the future to ease the pressure on pensions?

First, social security can be supplemented by transferring state-owned assets. 20 17, 10 In June, the state issued the Implementation Plan for Transferring Part of State-owned Capital to Enrich Social Security Fund, which will transfer 10% equity of state-owned enterprises to enrich social security fund and endowment insurance fund. The second is to extend the retirement age. So far, the government has not officially released the delayed retirement plan, but I believe that with China gradually entering an aging society, it should be a matter of time before this plan is released.