The contribution ratio of endowment insurance unit refers to the proportion that enterprises pay endowment insurance premiums according to a certain proportion on the salary base of employees. According to China's current endowment insurance system, the cost of endowment insurance is shared by units and individuals, and the proportion paid by units is in accordance with relevant national policies and regulations.
According to "People's Republic of China (PRC) Social Insurance Law" and related policies, the current unit payment ratio is 20% of the basic old-age insurance premium. Specifically, the unit should pay 20% of the endowment insurance premium according to the employee's salary base (generally the upper limit of the employee's salary). For example, if the employee's salary base is 5,000 yuan, then the unit will pay the endowment insurance premium of 1000 yuan every month.
It should be noted that different regions and industries may have different specific payment ratios, so the specific pension insurance unit payment ratio may be different. In addition, with the reform of the old-age insurance system and policy adjustment, the proportion of contributions may also change. Therefore, it is recommended that you refer to relevant local policies and regulations in specific operations to ensure the accurate payment of endowment insurance premiums.
In short, the contribution ratio of the old-age insurance unit is stipulated by the national policy, which is generally 20% of the basic old-age insurance premium. However, the specific payment ratio may vary by region and industry. It is recommended that you refer to relevant local policies and regulations in actual operation.
The adjustment of the contribution ratio of pension insurance units has had an important impact on the cost of enterprises. With the increase in the proportion of unit contributions, enterprises need to bear higher pension insurance costs, which will directly increase the labor costs of enterprises. For large enterprises, the increased cost of endowment insurance may put some pressure on their profitability. In addition, the adjustment of the unit contribution ratio may also lead enterprises to face greater challenges in recruiting and retaining talents. Enterprises may need to re-evaluate the salary structure of employees to adapt to the increase in the cost of endowment insurance. Therefore, the adjustment of the contribution ratio of pension insurance units is an important economic factor for enterprises, which requires close cooperation between enterprises and the government to seek a balanced and sustainable solution.
Legal basis:
Social Insurance Law of People's Republic of China (PRC) (revised 20 18);
Chapter II Basic Old-age Insurance Article 15 A basic pension consists of an overall pension and an individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.