Office workers must read 70% of corporate social security contributions.

This is a very dangerous signal. Most companies are facing the risk of cardinality, which means that many of our companies are streaking, regardless of whether they run ahead or not.
Recently, the "Chinese Corporate Social Security White Paper 2016" (hereinafter referred to as "White Paper") was released. The "White Paper" shows that due to economic downturn and cost pressure, Chinese corporate social security compliance has stagnated and base compliance has declined;
Moreover, it still faces multiple challenges, high cost, large differences, troublesome things, and complicated policies; the sense of value of social security posts within the enterprise is declining, and the growth trend of social security outsourcing is obvious. The social security management of enterprises faces the challenge of transformation and upgrading.

Corporate social security enters the stage of “paid but insufficient base”
According to the "White Paper" survey, due to the economic downturn and cost pressure, the compliance of corporate social security began to stagnate in 2016, and even fell sharply in the payment base compliance.
The data shows that 74.89% of the enterprises have not actually been approved according to the employee's salary, and 36.06% of the enterprises have paid the minimum base. This means that the employee's social security is "reduced by the standard", which will inevitably affect the future treatment.
It is understood that there are three main points in measuring the compliance of social security, the timeliness of insurance participation, the coverage of insurance types and the compliance of payment base. According to the White Paper, 79.12% of the companies are insured within 30 days of their employment, and this data has been basically stable at around 80% in the past two years.
At the same time, 17.66% of the respondents still handled after the end of the probationary period, 2.92% of the units were subject to leadership arrangements, and 0.29% of the units had never been covered by social security. This reflects the overall compliance of the company's insurance time compliance, but the problem of timely participation in the trial period is still very prominent.

The social security contribution base is only 25% of the units that are fully compliant.
From the perspective of insurance coverage, from 2013 to 2016, there has been a trend from mandatory to supplementary and welfare. This reflects the change in corporate social security awareness, and begins to think about the synergy between statutory and autonomous benefits from the perspective of welfare and employees.
According to the survey, social insurance coverage remained high (over 90%); housing provident fund increased from 65.22% in 2013 to 79.79% in 2015, and 75.18% in 2016, which was slightly lower in stability; supplementary medical insurance was 27.51% in 2015. It reached 29.05% in 2016. Overall, companies have about 30% coverage for purchasing supplementary commercial insurance.
However, what is worrying is that the issue of corporate social security payment base compliance in the past year is still grim, and the overall situation is worrying and the risks are huge. The survey found that the compliance of corporate insurance bases decreased from 38.34% in 2015 to 25.11% in 2016, and the social security contribution base is only 25%.
"This is a very dangerous signal. Most companies are facing the risk of base, which means that many of our companies are streaking, regardless of whether they run ahead or not," said Yu Qingquan, the founder of the White Paper and 51 social security founder.
The "White Paper" also stated that these conditions actually reflect that the social security compliance of enterprises has gradually passed the stage of "not paying social security" and "paying social security late" and entering the stage of "paid but insufficient base". Under the pressure of economic downturn and cost increase, corporate social security base compliance pressure is huge.

Only 9.2% of HR can fully explain the calculation of pensions
The "White Paper" also proposes that there are still four major problems in the current social security management of Chinese enterprises that need to be solved: cost is too high, differences are large, things are troublesome, and policies are complicated.
At present, cross-regional management of enterprises has become the norm, but the practical differences in social security policies have brought new problems to corporate social security management. The changes from human resources management within the enterprise are also at the right time, confused and confused. Corporate social security management faces multiple difficulties.
According to the survey, more and more enterprises are distributed nationwide, and 49.05% of the companies surveyed operate across regions. Even among small enterprises with less than 50 employees, about 25.93% face the problem of nationalization of employees.
However, the combination of Chinese characteristics and the design of the social insurance system draws on and combines various experiences, and the pilots in various places have formed the fragmentation situation today. The local policies vary greatly; some groups involve historical evolution and restructuring. More complexity.
According to the survey, taking the current pension calculation method as an example, only 9.2% HR can be completely explained clearly. 14.01% HR chose “completely do not understand”, and 43.80% HR means “know one or two”. Policy complexity is undoubtedly one of the biggest difficulties faced by corporate social security management.
In addition, the "White Paper" shows that the internal social security payment accounting information is very low, 71.53% of enterprises still use EXCEL manual calculation, only 10.51% of enterprises use ERP or e-HR software tools, the internal social security practice mode needs to be changed Informationization has a long way to go.

Corporate social security outsourcing trends
The problem of corporate social security management has been plaguing HR people. In 2013, the White Paper on Social Security of Chinese Enterprises found that the self-awareness of corporate social security management personnel on the value of social security posts remained at a high level within three years. After three years, the sense of value and sense of accomplishment declined sharply.
This year's survey also shows that only 35% of the company's social security management has an absolute positive sense of value (think "very important to the company"); it believes that social security is "running the leg", accounting for 26.80%, which is considered to be a last resort. For it, 25.01%. More and more corporate social security managers will encounter professional bottlenecks after reaching the level of transaction experts.
The survey also showed that outsourcing is becoming a trend, with a pure outsourcing rate of 18.54% (referred to as “labor dispatch” or “social security agent”); the pan-outsourcing rate reached 36.93% (plus “partial outsourcing”). Overall, the social security outsourcing trend is obvious, with a significant increase of 6 or 7 percentage points.
"On the first day of my social security, a grandmother has been doing it for decades. She said that social security is not a errand. No company has gone public because of its social security." Yu Qingquan said.
At the same time, employees' awareness of social security has been significantly enhanced. In the survey of the first-line social security management personnel, 64.53% of HR felt that the heat of employees' social security issues and the awareness of employees' social security showed a slight increase or a significant increase.
HR is not willing to act as an agent for “running the errands”, and employees’ social security awareness is increasing. What should I do? The "White Paper" pointed out that with the further development of the service industry, the division of labor is becoming more and more detailed, and professional outsourcing is being accepted by more people.

How important is social security?
1. Why can't I break social security?
First, people in big cities know how important social security is. For example, in Beijing, if you are a foreign resident, only social security that lasts for 5 years can buy a car and buy a house in Beijing. The social security here only includes five insurances. As long as the middle breaks one day, it will be recalculated in five years.
Second, pension insurance has to be paid for 15 years, and it is only after retirement that you can enjoy life. The same is true for medical insurance, where women are 20 years old and men are 25 years old, and they can enjoy life for retirement. The most uneconomical thing is that it is not enough years. It should be explained here that both pension and medical care can be accumulated, and they can be continued if they are broken.
Other insurances have not affected much. Unemployment insurance, maternity insurance, and housing provident fund are three types. As long as they are handed over for one year before use, work-related injury insurance is payable. In addition, social security is compulsory, that is, you have to pay a day of social security on the day of the unit, so there is no choice but to pay which one to pay during work.

2. What should I do if the social security is broken?
If you are buying a house and buying a car, be sure to pay attention: don't break!
Even if it is broken for one month, according to Beijing's regulations, it will be paid for without a play, and it will be counted from the beginning in five years. A lot of friends who change jobs will face such problems. If there is no work to help you, you must find an intermediary to make a transition. There are a lot of intermediary companies that help social security on the Internet, and pay according to the minimum base.
If you are going to enjoy lifelong care, pay attention to the following two points:
1. The age of pension and medical insurance can be accumulated. If it is interrupted, it can be enough. If it is the retirement age, it is still not enough for the minimum payment period. Beijing account can apply for deferred payment. If the foreign account is enough for 10 years, the deferred payment can be processed. If it is not enough for 10 years, it can only be transferred back to the place where the account is renewed.
2. The medical insurance is broken, the medical insurance treatment will stop from next month, and re-delivery can still be reimbursed. In case of payment, the medical insurance card will have a recovery period of 2 to 3 months. In these 2 to 3 months, only manual reimbursement can be made, and the medical insurance card cannot be automatically reimbursed. Of course, this is only the rule of Beijing. There are also local regulations that if you pay more than 2 months, there will be a waiting period of 6 months. You can't reimburse them in these 6 months.

3. How to give social security to freelance?
As long as you are on your own, you can only go to three insurances (nursing, medical, unemployment) in the normal channels. You can find five companies and one gold for the agency.
If you are a local account, you can pay at the local job referral service center and talent service center. If you want to be a freelancer in a foreign country, such as a foreigner in Beijing, you can only find a social security agency. Usually, you can pay hundreds of service fees a year, and the company can help you with five insurances and one gold.
Take Beijing as an example. The three bases in the normal channel have these three bases to choose from, the low price is 2089 yuan, the mid-range is 3134 yuan, and the high-end is 5223 yuan.
Which one should I choose to pay? There is also the problem of a large pot and a small pot. The small pot can be eaten as soon as it is seen, and how much is paid; the cauldron is not much related to the amount of the last pot. Look at the size and size of the freelance social security, only 8% of the pension insurance, the other is planned to the national pooling fund. Because the money is all out of the way, so you can make a low-end file. You have to choose your own idea.

4. How to do social security when changing the workplace?
Of course, you have to continue, be sure to transfer!
Many people have left Beishangguang now, and they have given up the social security they paid before. They feel that it is useless. They will pay back later. If you have been in Beijing for 15 years of social security, from 25 to 40 years old, when you return home at 40, you have not transferred social security. If you go back to your hometown, you will not be able to pay for medical insurance. You can retire at that time. Jin and lifelong medical insurance benefits are gone, and the social security that had worked so hard for so many years has not been a big loss.

5. How does the five insurance turn?
In the original unit and the social security center of the city where you have issued the insurance payment certificate, bring it to your social security agency. If you have a unit in your hometown, you can hand it over to the unit.
Among them, your personal part of the pension insurance can be transferred away, and the unit can transfer 12%. Medical insurance can transfer your payment period, and the personal part will take it out. Unemployment, work-related injury, and maternity insurance generally do not need to be transferred. It is only necessary to go directly to the new unit.

6. How does the provident fund turn?
You have to go to the old family's provident fund management center to issue the "new unit acceptance certificate", "local provident fund center establishment account certificate", "local provident fund center bank account bank name" three materials, to the original unit for account transfer. If you don't transfer, you will be sealed up here and you can take it out after retirement.

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