What does three risks mean? What do you mean by five risks? What is gold?

1, three insurances are the most basic social insurance, including endowment insurance, medical insurance and unemployment insurance.

2. Five insurances refer to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

3, a gold refers to the housing provident fund.

The role of five insurances and one gold:

1, endowment insurance. It is used to receive pension, retirement pension and funeral expenses after retirement, which is the guarantee of old age life.

2. Medical insurance. Used for medical reimbursement and medical insurance benefits for the elderly.

3. Unemployment insurance. Used to receive unemployment insurance after unemployment.

4. Work injury insurance. It is used to pay medical expenses for work-related injuries, living care expenses, disability allowance and disability allowance.

5. Housing accumulation fund. Used for personal expenses such as buying a house, decorating and renting a house.

Payment ratio:

1, endowment insurance: 20% paid by the unit and 8% paid by the individual;

2. Medical insurance: the unit pays 8% and the individual pays 2%;

3. Unemployment insurance: the unit pays 0.7% and the individual pays 0.3%;

4. Provident fund: according to the actual situation of the enterprise, choose the proportion of housing provident fund payment. But in principle, the maximum shall not exceed 10% of the average wage of employees.

5. Individuals do not need to pay industrial injury insurance and maternity insurance.

Five insurances and one gold can only be paid by enterprises for employees. After employees join the company, the person in charge of personnel can give it to them, and employees only need to provide the corresponding materials to the company.

Extended data:

Migrant workers feel that their income has not increased much, and enterprises have a hard time saying: 300 yuan's wages give employees a raise, and enterprises are under great pressure to leave 500 yuan.

Enterprises pay more, but employees don't. Where did all the money go? Mainly used in "five insurances and one gold". "Five insurances and one fund" refers to employees' pension insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and provident fund, which are mainly paid by enterprises and employees according to a certain proportion of their wages. In many places, this proportion has accounted for more than 40% of the wages of employees.

When an employee raises his salary, the enterprise has to pay two sums of money: to pay the salary increase, he has to pay more "five insurances and one gold" and bear the double burden; The wages of employees have gone up, and they have also paid more "five insurances and one gold" in proportion. As a result, enterprises have spent a lot of money, and labor costs have increased significantly, but employees' "sense of acquisition" is not strong, and there is not much cash on hand.

In fact, the safety barrier of "five insurances and one gold" is very important for ordinary people, which is related to people's future quality of life. Without basic social security such as pension, medical care and unemployment, the ability of individuals and families to resist risks is declining. How can they live a stable life? The key to the problem is to strike a good balance. While building a "safety barrier", it will not increase the excessive burden on enterprises and bring too much impact on people's current lives.

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