Legal analysis: it is illegal not to pay five insurances. The unit shall go through the five insurance procedures within one month after the employee joins the company. Employees who are unwilling to take out insurance can be dismissed. All listed companies should buy five insurances and one gold for their employees. Second, provident fund is not mandatory. However, listed companies generally have wages, indicating that the welfare of the unit is good. Personal accounts of provident fund include fees paid by themselves and their units, which can be withdrawn if they meet the conditions, and the loan interest rate is lower than that of commercial loans. On-the-job employees shall pay the housing provident fund in accordance with the regulations.
Legal basis: Article 4 of the Social Insurance Law of People's Republic of China (PRC) * * * Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.