origin: People's daily
recently, the Ministry of housing, the Ministry of finance, the three ministries of the central bank issued "the improvement of the housing provident fund deposit mechanism further reduced." "Low enterprise cost notice" will reduce the proportion of enterprise housing provident fund deposit policy extended to April 30, 2020. In addition, the payment unit can set the proportion between the lower limit of the provident fund reserve ratio and the upper limit of 12%, and determine the proportion independently. 5% It is reported that this can reduce the burden of about 30 billion yuan for the enterprise. How much will the employees' provident fund be affected by the policy reduction of enterprises?
the lower limit of the deposit ratio is 5% not exceeding 12% "notifications", and the monthly salary base of the housing provident fund shall not be higher than the staff of the last year, which is published by the Statistics Department of the city and city city. 3 times the average monthly salary. If more than 3 times, the law should be regulated. It is clear that the lower limit of the proportion of housing provident fund is 5%, and the upper limit is determined by the procedures stipulated in the regulations of the housing provident fund management, and the maximum shall not exceed 12%. The deposit unit can determine the proportion of housing provident fund deposit within 5% to the local upper limit. In addition, the notice also requires that enterprises with difficulties in production and management can apply for the reduction of the proportion of the housing provident fund and the suspension of payment by the staff congress or the trade union. The housing provident fund management committee shall authorize the housing provident fund management center to examine and approve, and the time limit for examination and approval shall not exceed 10 working days.
reducing or causing a decline in employees' income, experts point out that, unlike social security and pension insurance, the housing provident fund is the disposable income of the workers, and this part of the income does not need to pay a personal tax. For many workers, the reduction of the proportion of the accumulation fund will directly affect this part of the income, although the wages of workers to the hand increase, but also pay a tax, so the increase in the cash income of workers is not too obvious. Experts believe that the general enterprise will not reduce the payment of the accumulation fund, because the reduction of provident fund means that the wages will be reduced, and the salary reduction will directly reduce the attraction of the enterprise to the talent. Some enterprises hope to reduce their expenses and gain more profits by paying less pension and social security costs.