Pay an extra 980 yuan a year! What signal has been released by raising the social security payment base in many places?
In the past two years, in addition to wages, other prices have really increased everywhere! For example, high-speed rail, hydropower, have been rising in price in the past two years, and medical insurance has also risen, rural medical insurance has risen to 400 yuan per person this year, nearly 40 times in more than 20 years, quite exaggerated. In addition to the above-mentioned price increases for these things, many places in China have recently issued notices announcing the increase in the minimum base of social security contributions.
Taking Zhejiang as an example, the latest lower limit of payment in Zhejiang is 4,812 yuan, assuming that your average salary is only 3,500 yuan a year, then pay according to the minimum payment base of 4,812 yuan. And if you pay employee social security, then according to the payment rules, individuals need to pay 8%, because the payment base has increased by 350 yuan, which means that you need to pay 28 yuan more per month and 336 yuan more a year. Employers also need to pay more social security for their employees, according to the 15% contribution ratio, they need to pay an extra 52.5 yuan per month and an extra 630 yuan a year.
Counting the extra money paid by the enterprise and the individual, it needs to pay an extra 980 yuan in a year, which is the result of calculating according to the minimum standard.
If you are a flexible employee, you need to bear the social security costs, which is calculated according to the payment ratio of 20%, and you need to pay an extra 70 yuan per month and 840 yuan a year.
Speaking of which, I believe that some friends must want to ask, everyone's wages have generally not risen in the past two years, and some have even decreased, but why has the social security payment base increased? What signal does this send? First of all, in my opinion, behind the increase in the payment base of the social security fund, it is positively related to the increase in residents' income, and the social security bureau must be based on the local average wage level when formulating the payment standard, and there is no increase for no reason.
As for why everyone thinks that their income has not risen, the reason is very simple, to put it bluntly, it is because the problem of income differentiation is more serious, for example, if Jack Ma's assets are average with me, then I will also become a billionaire. In the same way, if a person with an income of 3,000 yuan in 10 months is average with a person who earns 100,000 yuan in one month, the average income can easily exceed 10,000 yuan.
As for whether the rule-makers understand this truth, I personally think they understand, even if they don't understand, those who are responsible for statistics under their hands also understand, as for why it should be improved, mainly because, with the increasing number of retirees, coupled with the tight employment opportunities caused by the general environment, the pressure on the social security fund is becoming more and more great, if the payment standard is not raised, then the retired personnel may not be able to receive the pension, the entire social security fund system, may also have problems, this is the core reason.
However, the question also comes, people who work now pay more and more money for social security every year, and when they retire in the future, can they enjoy the treatment they deserve? You know, the domestic social security fund system uses the "pay-as-you-go system", that is, the money paid by people who are now working is paid to those who have retired, but the question is, can our current population structure really support the current group of people to receive their own treatment after retirement?
To be honest, it is indeed not easy for our current group of post-80s and 90s generations who are working. When I was born, I was too much, when I worked, I was too old, and when I retired, I was too early, as if I had never been recognized, it was really too difficult!