Why is Guangzhou social security so much more expensive than Shenzhen social security?

Many people from other places came to Guangzhou to work, but they left before they finished 15. At this time, even if the social security is transferred, the part paid by the company cannot be transferred, which is equivalent to contributing to the registered population in Guangzhou. Therefore, compared with Shenzhen, the registered population is relatively small, and there are many young people. Most of them will leave before the age of 35, so the pension paid by Shenzhen is not so much, and social security can be paid less. No matter how much social security you pay, it is good for you. When choosing a city to pay social security, if the job is stable, you must first choose the work place.

Calculation of social security payment base in Guangzhou:

The upper and lower limits of the "five insurances and one gold" payment base have changed greatly.

According to the 20 16 social insurance payment base comparison table issued by Guangzhou Local Taxation Bureau and the relevant data of last year, it can be seen that from July 20 16 to June 20 17, the upper limit of the employee pension insurance payment base in Guangzhou was raised from 14958 yuan to 16575 yuan, and the lower limit was maintained.

The upper limit of employee medical insurance payment base is raised from 1856 1 yuan to 20292 yuan, and the lower limit is raised from 37 12 yuan to 4058 yuan.

The upper limit of unemployment insurance payment base is raised from 1856 1 yuan to 20292 yuan, and the lower limit is still 1895 yuan (the minimum wage has not been adjusted).

Guangzhou Housing Provident Fund Management Center said that the upper limit of the deposit base and the deposit ratio of the provident fund have also changed. After July, the upper limit of the provident fund deposit base was raised from 30,935 yuan to 33,820 yuan, and the lower limit was still 1.895 yuan.

The upper limit of the deposit ratio is reduced from 20% to 12%. According to the structural reform plan of the supply side in Guangdong Province, the upper limit of the contribution base of the provident fund has been reduced from 5 times to 3 times of the average monthly salary. However, the notice issued by Guangzhou Housing Provident Fund Management Center on July 1 day did not make a rigid provision.

It is only stipulated that the average monthly salary of employees in the deposit unit with good economic benefits is higher than 20,292 yuan, and the employee deposit base may not be truthfully declared for the time being, but the maximum amount shall not exceed 5 times, that is, 33,820 yuan.

The adjustment of the upper and lower limits of the payment base mainly affects people with higher incomes. The reporter found that the adjustment of the upper and lower limits of the payment (deposit) base has a great impact on the after-tax wages of people with higher incomes, and the maximum deposit ratio of provident fund has been lowered from 20% to 12%, which has greatly increased wages.

After adjustment, the adjusted individual contribution for five insurances and one gold =16575× 8%+19000× 2%+19000× 0.2%+19000×12% = In other words, the adjusted salary is lower than before 152.5 yuan.

Legal basis:

People's Republic of China (PRC) social insurance law

Eighth social insurance agencies to provide social insurance services, responsible for social insurance registration, personal rights and interests records, social insurance benefits payment and other work.

Article 9 Trade unions shall safeguard the legitimate rights and interests of employees according to law, and have the right to participate in the research on major social insurance issues, participate in the social insurance supervision committee, and supervise matters related to employees' social insurance rights and interests.

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.

Thirteenth employees of state-owned enterprises and institutions to participate in the basic old-age insurance, the basic old-age insurance premiums payable during the payment period shall be borne by the government. When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.

Article 14 Individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.

Fifteenth basic pension consists of overall pension and individual account pension.