What is the ratio of five insurances and one gold to wages?

Legal analysis: Although the proportion of "five insurances and one gold" is not completely consistent in all parts of China, most provinces and cities pay more than 40% of the total wages. Relevant data show that after comparing the social security rates of 125 countries, only 1 1 countries have social security rates exceeding 40%, and the developed welfare countries are the main ones. The contribution rate of pension insurance units is 20%, and the contribution rate of individuals is 8%. The contribution rate of medical insurance units is 8%, and that of individuals is 2%. The contribution rate of industrial injury insurance units is 0.2%, and individuals do not pay. The contribution rate of maternity insurance units is 0.8%, and individuals do not pay. Unemployment insurance unit contribution rate 1%, individual contribution rate 1%. The contribution ratio of housing provident fund units and individuals is 12% respectively. It should be reminded that the payment policies for five insurances and one gold in public institutions vary from place to place. For the specific payment ratio of five insurances and one gold in public institutions, you can consult the local social security bureau or the housing provident fund management center.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Fifth people's governments at or above the county level shall incorporate social insurance into the national economic and social development plan.

The state raises social insurance funds through multiple channels. People's governments at or above the county level shall give necessary financial support to social insurance.

The state supports social insurance through preferential tax policies.

Tenth employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Eleventh basic old-age insurance to implement the combination of social pooling and individual accounts.

The basic old-age insurance fund consists of employers, individual contributions and government subsidies.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.