Reduce the social security rate by five insurances and one gold or change to ＂four insurances and one gold＂
Data map. Xinhua News Agency issued Zhang Chunlei photo
BEIJING, Beijing, March 23 (Reporter Li Jinlei) "Let enterprises lighten their burdens a little more, and let employees get more cash", which was Li Keqiang, Premier of the State Council of the People’s Republic of China’s statement when answering questions related to "five insurances and one gold" at a Chinese and foreign press conference on March 16. The reporter of Zhongxin. com (WeChat WeChat official account: cns2012) noticed that recently, Shanghai, Guangdong, Tianjin and other places announced the reduction of social security rates.
In addition, streamlining the "five insurances and one gold" has also set the direction. The recently announced "Thirteenth Five-Year Plan" outlines that maternity insurance and basic medical insurance should be implemented together. This means that with the merger of maternity insurance and basic medical insurance in the future, the familiar "five insurances and one gold" will become "four insurances and one gold".
Help enterprises reduce costs
— — Reduce social security rates in many places
Reducing costs is one of the main tasks of China’s economic work in 2016. Under the background of high social security burden, reducing social security burden has become a practical measure for local governments to reduce costs for enterprises.
The reporter from Zhongxin. com found that recently, Shanghai, Guangdong, Tianjin, Yunnan, Gansu, Hangzhou, Zhejiang, Xiamen, Fujian and other regions have successively introduced new policies to reduce social security rates to varying degrees.
Shanghai announced on March 21 that from January 1, 2016, the unit contribution rates of employee basic endowment insurance and employee basic medical insurance will be lowered by 1 percentage point, and the unemployment insurance unit contribution rate will be lowered by 0.5 percentage point.
Guangdong reduced the unemployment insurance premium rate from 2% to 1% from March 1st this year, and demanded that the urban-rural integration of basic medical insurance should be promoted from the second half of 2016, and the unit premium rate should be gradually lowered to about 5.5%.
In early February this year, Tianjin launched the first batch of 20 policy measures to reduce the cost of enterprises in the real economy, and proposed to reduce the payment rates of unemployment, maternity and work-related injury insurance. Among them, the rate of unemployment insurance paid by enterprises has dropped from 2% to 1%; The rate of paying maternity insurance was reduced from 0.8% to 0.5%; The minimum standard for payment of work-related injury insurance is reduced from 0.5% to 0.2%, and the maximum standard is reduced from 2% to 1.9%. After adjustment, the comprehensive rate level is lowered from 0.67% to 0.54%.
In addition, Yunnan and Gansu have also lowered unemployment, work injury and maternity insurance rates; Hangzhou, Zhejiang Province, decided to reduce the basic medical insurance premium paid by enterprises by one month every year, the maternity insurance premium rate dropped by 0.2 percentage points, and the benchmark industrial injury insurance premium paid by enterprises dropped by 0.2 percentage points on average; Xiamen, Fujian Province also issued a notice to reduce the employer’s contribution rate of basic medical insurance for enterprise employees by 1 percentage point.
Data map. Photo by Zhang Yun
In some areas, the individual payment rate will be lowered.
— — The salary you get may increase.
It can be seen from observation that according to the local actual situation, the types of social security insurance, the rate decline and the implementation period are not consistent, and most of the downward adjustments are unit payment rates.
Take Shanghai as an example. This adjustment in Shanghai involves three types of insurance: pension, medical care and unemployment insurance. The overall rate has dropped by 2.5 percentage points, but only the rate of unit contributions has been reduced. According to estimates, after this rate reduction, it is estimated that the burden on enterprises will be reduced by about 13.5 billion yuan in 2016.
However, the reporter of Zhongxin. com noticed that Guangdong, Yunnan and other regions not only reduced the unit contribution rate, but also took into account the reduction of individual contribution rate.
For example, the unemployment insurance rate in Guangdong has been reduced from 2% to 1%, of which the unit rate has been reduced from 1.5% to 0.8% and the individual rate has been reduced from 0.5% to 0.2%. According to estimates, in 2016, it is estimated that the insured enterprises in the province can pay less 5.3 billion yuan, and individuals will pay less premiums of 2.4 billion yuan.
The payment rate of unemployment insurance in Yunnan was reduced from 3% to 2%, of which the employer’s payment rate was reduced from 2% to 1.4% and the individual’s payment rate was reduced from 1% to 0.6%.
This means that employees in Guangdong, Yunnan and other places may get more wages. Take Yunnan as an example. Employees of enterprises with a monthly salary of 5,000 yuan were required to pay unemployment insurance premium at 1% and 50 yuan every month. After the personal rate is lowered to 0.6%, they only need to pay 30 yuan every month, so they can get more salary 240 yuan every year.
On the other hand, people are generally worried about lowering the social security rate. After the social security rate is lowered, will the treatment level of the future insured also decline?
In this regard, Shanghai said in the policy interpretation that at present, the income and expenditure of the social insurance fund for employees in this city is good, with a certain accumulation and an annual balance. The downward adjustment of the basic old-age insurance, medical insurance and unemployment insurance rates will not affect the overall treatment level of the insured.
Data map. Xinhua News Agency, Fa Jing Wei, photo
Maternity and medical insurance will be merged.
— — "Five insurances and one gold" or "Four insurances and one gold"
In addition to lowering the social security rate, some regions also proposed to merge maternity insurance and basic medical insurance.
The Overall Plan for Supply-side Structural Reform in Guangdong Province (2016— In 2018), it is proposed to optimize the structure of social security insurance and promote the combined implementation of maternity insurance and basic medical insurance in accordance with the unified national deployment.
"Several Opinions of Hangzhou Municipal People’s Government on Reducing Costs, Reducing Burden and Removing Capacity to Promote the Healthy Development of the Real Economy in an All-round Way" also requires that maternity insurance should be incorporated into the scope of medical insurance management in a timely manner according to the unified arrangements of the state.
The reporter of Zhongxin. com noted that the recently announced "Thirteenth Five-Year Plan" clearly stated that maternity insurance and basic medical insurance should be combined.
This means that with the merger of maternity insurance and basic medical insurance in the future, the familiar "five insurances and one gold" may become "four insurances and one gold". (End)