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The abstract "Let the enterprise reduce the burden and let the employees get a little more cash", this is the statement made by Premier Li Keqiang at the Chinese and foreign press conference on March 16 at the "Five Risks and One Gold" issue. ...
"Let the company reduce the burden and let the employees get a little more cash." This is the statement made by Premier Li Keqiang at the Chinese and foreign press conference on March 16 when he answered the "five risks and one gold" issue. The reporter noted that recently, Shanghai, Guangdong, Tianjin and other places announced the reduction of social security rates.
In addition, streamlining the "five insurance and one gold" has also determined the direction. The "13th Five-Year Plan" recently announced outlines the implementation of maternity insurance and basic medical insurance. This means that with the merger of maternity insurance and basic medical insurance in the future, the familiar “five insurance and one gold” will become “four insurance and one gold”.

Help companies reduce costs - more underground social security rates
Cost reduction is one of the main tasks of China's economic work in 2016. In the context of the current high social security burden, reducing the burden of social security has become a big trick for local governments to reduce costs for enterprises.
The reporter found out that in the near future, Shanghai, Guangdong, Tianjin, Yunnan, Gansu, Zhejiang, Hangzhou, Fujian and other regions have successively introduced new policies, reducing the social insurance rates to varying degrees.
Shanghai announced on March 21 that starting from January 1, 2016, the unit contribution rate for employees' basic old-age insurance and basic medical insurance for employees will be reduced by 1 percentage point, and the unemployment insurance unit will be reduced by 0.5 percentage points.
From March 1 this year, Guangdong will reduce the unemployment insurance contribution rate from 2% to 1%, and demand that from the second half of 2016, promote the integration of basic medical insurance and urban and rural areas, and gradually reduce the unit rate to 5.5%. about.
In early February of 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 rate of unemployment, maternity and work injury insurance contributions. Among them, the rate of unemployment insurance paid by enterprises fell from 2% to 1%; the rate of payment of maternity insurance decreased from 0.8% to 0.5%; the minimum standard for paying the standard rate of industrial injury insurance fell from 0.5% to 0.2%, and the highest standard was 2%. It fell to 1.9%, and the adjusted overall rate level was lowered from 0.67% to 0.54%.
In addition, Yunnan and Gansu also lowered the unemployment, work-related, and maternity insurance rates; Zhejiang Hangzhou decided to reduce the basic medical insurance premiums paid to enterprises by one month each year, and the maternity insurance rate decreased by 0.2 percentage points. The basic rate of work-related injury insurance paid decreased by 0.2 percentage points on average; Fujian Xiamen also issued a notice that the contribution rate of employers of basic medical insurance for enterprise employees was reduced by 1 percentage point.

Some regions have lowered their personal contribution rates - the wages of getting the hand may increase
Observed, according to the actual situation in the local area, the social insurance types, the rate reduction and the implementation period adjusted by the localities are not consistent, and most of the reductions are the unit contribution rates.
Taking Shanghai as an example, Shanghai's adjustment involves three types of insurance: pension, medical care and unemployment insurance. The overall rate has dropped by 2.5 percentage points, but the reduction is only the rate of the unit payment. According to estimates, after the rate reduction, it is estimated that the annual burden of enterprises in 2016 will be reduced by about 13.5 billion yuan.
However, the reporter noted that Guangdong, Yunnan and other regions not only reduced the unit contribution rate, but also reduced the individual contribution rate.
For example, the unemployment insurance rate in Guangdong has been reduced from 2% to 1%, of which the unit rate has dropped from 1.5% to 0.8%, and the personal rate has dropped from 0.5% to 0.2%. According to estimates, in 2016, the province's insured enterprises are expected to pay less than 5.3 billion yuan, and individuals pay less than 2.4 billion yuan.
The unemployment insurance premium rate in Yunnan was reduced from 3% to 2%, of which the employer's contribution rate was reduced from 2% to 1.4%, and the personal contribution rate was reduced from 1% to 0.6%.
This means that employees in Guangdong, Yunnan and other places may get more wages. In Yunnan, for example, an enterprise employee with a monthly salary of 5,000 yuan has previously paid unemployment insurance premiums at 1%, and has to pay 50 yuan per month. After the personal rate is lowered to 0.6%, only 30 yuan per month is paid, so that each year can be more. Get a salary of 240 yuan.
Another problem that people are generally worried about to reduce the social security rate is that after the social security rate is lowered, will the level of treatment for future insured personnel also decline?
In this regard, Shanghai said in the policy interpretation that the current income and expenditure of the city's employee social insurance fund is good, there is a certain accumulation and there is a balance in the year. The reduction of the basic pension insurance, medical insurance and unemployment insurance rates for employees will not affect the overall level of treatment of the insured.

Fertility and medical insurance will be merged - "five insurance and one gold" or "four insurance and one gold"
In addition to lowering social security rates, some regions have proposed to combine maternity insurance and basic medical insurance.
The "Guangdong Province Supply Side Structural Reform Overall Plan (2016-2018)" promulgated in February this year proposes to optimize the structure of social insurance and promote the implementation of maternity insurance and basic medical insurance in accordance with the unified national deployment.
The "Opinions of the Hangzhou Municipal People's Government on reducing costs, reducing burdens, and de-capacity to comprehensively promote the healthy development of the real economy" also require that maternity insurance be incorporated into the scope of medical insurance management in accordance with national unified arrangements.
The reporter noted that the "13th Five-Year Plan" announced recently announced that the maternity insurance and basic medical insurance will be implemented together.
This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar “five insurance and one gold” may become “four insurance and one gold”.

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