Why is Shanghai four gold not five insurances and one gold?

I. Relationship between Shanghai Four Gold and Five Insurance and One Gold The four gold is the part paid by individuals in the five insurance and one gold (endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund). Generally speaking, when we say "pay four gold" and "pay five insurance and one gold", we mean the same thing. That is, the employer pays five insurances and one gold for the employee (the employer pays separately), and four of them are also paid by the employee (deducted from the employee's pre-tax salary). Two. According to national regulations, enterprises should pay "five insurances and one fund" for their employees: endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. If you are an employee, the company will pay for you. Payment standard: endowment insurance: the company pays 20% and the individual pays 8%, of which 8% will be credited to the personal account. Medical insurance: the company pays 8% or 9%, and the individual pays 2%, of which 2.8% enters the personal medical insurance card (once a month). Unemployment insurance: the unit pays 1.5%, and the individual pays 0.5% for employees to receive unemployment benefits from the society when they are unemployed. Industrial injury insurance and maternity insurance increased by 1% and 0.8% respectively. Some local units pay in full, and some places deduct employees 1 yuan every month, and claim compensation from insurance companies when work-related injuries occur. Maternity insurance is the expenses incurred by female employees when they give birth, which shall be borne by the social security department. Housing accumulation fund: the unit pays 7% and the individual pays 7%, all of which are credited to the personal account, which can be withdrawn when buying a house or used as a house loan with low interest. If it is a flexible employee, there are only two kinds of social security: endowment insurance and medical insurance. 3. How to handle five insurances and one gold endowment insurance: Bring my ID card, unemployment certificate and two 1 inch photos to the business window of the local social security center. Medical insurance: After completing the formalities of endowment insurance, go to the business window of the local medical insurance center with the above materials and the newly filled endowment insurance manual. After that, according to the requirements, you can pay the fee on schedule.