Difference between the social security of individual businessmen and the social security of employees

The main difference between social security for individual businessmen and social security for employees lies in the main body of the insurance, the standard of contribution, the scope of protection and the way of management. The social security for individual businessmen is mainly for individual businessmen and their employees, while the social security for employees is mainly for enterprise employees.

One, the main body of different

Individual industrial and commercial social security is mainly for individual businessmen and their employees, who are usually operating as individuals or families. On the other hand, the main participants of employee social security are enterprise workers, i.e., those who work in companies, enterprises and other forms of organization.

Second, there is a difference in the contribution standard

The contribution standard of social security for individual businessmen is usually more flexible and can be adjusted according to the actual situation of the operators. Generally speaking, the social security contribution ratio and base for individual businessmen and their employees are relatively low. On the other hand, the contribution standard for employees' social security is relatively fixed, which is borne by both the enterprise and the employees***, and is usually paid in accordance with the stipulated ratio and base amount.

Three, the scope of protection is different

Self-employed social security mainly covers basic pension insurance, basic medical insurance and other core protection programs, designed to meet the basic needs of self-employed businessmen and their employees. On the other hand, employee social security usually includes five major insurance programs, including pension, medical care, work injury, unemployment and maternity, providing more comprehensive protection for employees.

Four, different management

Individual businessmen's social security management is relatively simple, mainly by the local social security department. The management of employees' social security is more complicated, involving enterprises, employees, social security departments and other aspects, and requires the establishment of a sound management system and regulatory mechanism.

In summary:

There are significant differences between the social security of individual businessmen and the social security of employees in terms of the main body of the insurance, the standard of contribution, the scope of protection and management. The social security for individual businessmen mainly applies to self-employed persons and their employees, and is characterized by its flexibility, while the social security for employees applies to enterprise employees and provides more comprehensive protection.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 10 stipulates:

"Employees shall take part in the basic pension insurance, and the employer and the employees*** shall pay the basic pension insurance premiums together."

The Social Insurance Law of the People's Republic of China*** and the State of China

Article 23 stipulates:

"Employees shall participate in basic medical insurance for employees, and the employing unit and the employees shall pay the basic medical insurance premiums in accordance with the state regulations*** together."

Article 20 of the Regulations on Individual Industrial and Commercial Enterprises

provides:

"Individual industrial and commercial enterprises may recruit employees according to their business needs. Individual industrial and commercial households shall, in accordance with the law, conclude labor contracts with the recruited employees, fulfill the obligations stipulated in laws and administrative regulations and agreed upon in the contract, and shall not infringe upon the legitimate rights and interests of the employees."