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</div> <div class="i2i2jyu4k" id="content"> <div id="i2i2jyu4k" class="pv_box m_p ov_hi"> <div id="i2i2jyu4k" class="bw_750 fl"> <h1 class="pv_title_2"><span id="i2i2jyu4k" class="site fr"><a href='/'>首页</a>><a href='/xywy/'>寻医·问药</a>><a href='/xywy/yxtqs/'>医讯同期声</a></span><span id="i2i2jyu4k" class="t" id="a1"><a href="/xywy/yxtqs/">医讯同期声</a></span></h1> <div id="i2i2jyu4k" class="pa_0_5_0_10"> <h1 class="Content_title" id="hh"> <span id="a" style="">多地下调社保费率小企业减负需下调养老和医保</span> </h1> <script>/*jQuery('#hh').width(jQuery('#a').width());*/</script> <div id="i2i2jyu4k" class="Remark"> <span>2016年04月12日 11:09 | 来源：<a target="_blank">中国经济周刊</a></span> <span id="i2i2jyu4k" class="fr"> <div id="i2i2jyu4k" class="jiathis_style_24x24"> <a class="jiathis_button_qzone"></a> <a class="jiathis_button_tsina"></a> <a class="jiathis_button_tqq"></a> <a class="jiathis_button_weixin"></a> <a class="jiathis_button_renren"></a> <a class="jiathis jiathis_txt jtico jtico_jiathis" target="_blank"></a> </div> <script type="text/javascript" src="http://v3.jiathis.com/code_mini/jia.js?uid=1399539302485450" charset="utf-8"></script> </span><span id="i2i2jyu4k" class="fr">分享到：<img src="/images/fx.jpg" /> </span> </div> <div id="i2i2jyu4k" class="text_box"> <p align="center"> <p style="text-indent: 2em; text-align: left;">多地下调社保费率，“五险变四险”；小企业：不动养老、医保，没什么用</p><p style="text-indent: 2em; text-align: left;">文章导读：目前，中国企业和个人缴纳的社会保险费率总和占工资的比重较高，造成企业负担过重。鉴于当前经济形势不景气以及企业利润持续下滑，降低社会保险费率、为企业减负，成为应有之义。</p><p style="text-indent: 2em; text-align: left;">目前，中国企业和个人缴纳的社会保险费率总和占工资的比重较高，造成企业负担过重。鉴于当前经济形势不景气以及企业利润持续下滑，降低社会保险费率、为企业减负，成为应有之义。</p><p style="text-indent: 2em; text-align: left;">日前公布的“十三五”规划纲要提出，将生育保险和基本医疗保险合并实施。这意味着，未来随着生育保险和基本医疗保险的合并，人们熟悉的“五险一金”或将变为“四险一金”。纲要还提出，适当降低社会保险费率。</p><p style="text-indent: 2em; text-align: left;">这一轮降费率，将为企业带来多少“降成本”利好？中国劳动学会副会长苏海南接受《中国经济周刊》记者采访时表示，通过降低三项社会保险费率，能为企业减轻一些负担，假设某企业工资总额1亿，降一个点社保费就可省100万以上；若企业工资总额100亿元，则可节省一个亿以上。</p><p style="text-indent: 2em; text-align: left;"><strong>先降低工伤、失业、生育三险费率</strong></p><p style="text-indent: 2em; text-align: left;"><strong>专家：这三险结余较多、规模较小</strong></p><p style="text-indent: 2em; text-align: left;">社会保险费率，是指单位和个人缴纳的社会保险费占缴费工资的比例。我国城镇职工法定社会保险为五项，即职工基本养老保险、医疗保险、失业保险、工伤保险、生育保险。</p><p style="text-indent: 2em; text-align: left;">人社部最近公布的数据显示，当前，我国社会保险五项费率合计为39.25%，总体偏高。为此，“十三五”规划纲要提出，适当降低社会保险费率。更早之前，在去年召开的国务院常务会议两次要求下调社保费率，涉及失业保险、工伤保险和生育保险。</p><p style="text-indent: 2em; text-align: left;">据记者了解，目前，已有上海、广东、天津、甘肃、江西、北京等多个省市相继出台文件下调降低社保费率，也都主要集中在工伤、失业、生育“三险”。北京、天津工伤保险基准费率由原来的0.5%至2%调整为0.2%至1.9%。天津还提出将企业缴纳失业保险费率由2%降至1%，缴纳生育保险费率由0.8%降至0.5%。上海宣布失业保险费率单位缴费部分从1.5%下调到1%。</p><p style="text-indent: 2em; text-align: left;">为什么降低的是失业、工伤、生育这三险的费率？中国劳动学会副会长苏海南向《中国经济周刊》记者一语道破：“这是根据中央部署，为企业‘降成本’采取的实质性举措。基于工伤、失业、生育这三险基金的收支状况比较好，目前普遍收大于支、结余较多，具备降费的空间和条件，先从这三险降起，最便于实施和见效，还不会影响保险基金正常运行?！?/p><p style="text-indent: 2em; text-align: left;">以北京市为例，2015年北京市财政预算执行情况报告显示，去年全市失业保险基金超收8.5亿元，工伤保险基金超收3.5亿元，生育保险基金超收2.9亿元，“因此适度下调这几个险种的缴费费率，尽管会导致收入减少，但可调剂往年结余；加上这几个基金总量规模较小，即便出现收支缺口要填补压力也不大?！彼蘸Ｄ纤?。</p><p style="text-indent: 2em; text-align: left;"><strong>个人待遇不会降低</strong></p><p style="text-indent: 2em; text-align: left;"><strong>大企业减负绝对额大</strong></p><p style="text-indent: 2em; text-align: left;">三项保险费率下调，人们最关心的是到手的钱是增加还是减少？个人待遇是否会降低？</p><p style="text-indent: 2em; text-align: left;">据记者了解，此轮保险费率下调，多地下调的多为单位缴费费率，个人缴费费率基本没做调整。以上海为例，上海此次调整共涉及养老、医疗和失业保险三个险种，总体费率下降2.5个百分点，但降低的只是单位缴费部分的费率。</p><p style="text-indent: 2em; text-align: left;">但也有一些地方单位缴费费率和个人缴费费率均做了下调。比如，云南失业保险缴费费率统一从3%下调为2%，其中用人单位缴费费率从2%下调为1.4%，个人缴费费率从1%下调为0.6%。</p><p style="text-indent: 2em; text-align: left;">以云南为例，假如一个月薪6000元的企业职工，此前按1%缴纳失业保险费，每月需缴纳60元，个人费率下调至0.6%后，每月只需缴纳36元，那么每年就能多拿到工资288元。下调社保费率对职工个人收入影响并不大。</p><p style="text-indent: 2em; text-align: left;">苏海南向《中国经济周刊》记者进一步解释，此政策的目标就是减企业负担，不减个人保险待遇。国家对养老、医疗、失业、工伤、生育保险缴费和保险待遇分别规定了明确的标准，这次只下调缴费费率，并未也不会下调劳动者个人保险待遇标准。因此，劳动者个人的各项保险待遇不会受到费率调整影响。</p><p style="text-indent: 2em; text-align: left;">那么，此次降低费率能为企业带来多大实质性利好？针对这个问题，大企业和小企业的回答截然不同。</p><p style="text-indent: 2em; text-align: left;">“还没看到文件，还不知道如何执行新的保险费率办法。但是对我们这个只有100人的企业来说，这个只是皮毛?！北本┠趁教宀莆裰鞴芰跣阑姑挥星猩砀惺艿郊醺憾运钦庋男∑笠荡吹暮么?。</p> </div> <p class="Editor">编辑：赵彦 </p> <div id="i2i2jyu4k" class="Paging"> <br /> <a href="/c/2016-04-12/762524.shtml" class="a">01</a> <a href="/c/2016-04-12/762524_1.shtml">02</a> </div> <p class="Keyword">关键词：多地下调社保费率大企业减负小企业减负</p> <h1 class="pv_title_2 mt_15"><a href="/index.shtml" target="_blank" class="more mtb_14">更多</a><span id="i2i2jyu4k" class="t" id="a3"><a href="/index.shtml"><img src="/images/xg_t1.jpg" /></a></span></h1> <div id="i2i2jyu4k" class="pa_0_5_0_10"> <ul class="Related_ul bh_150"> <li><a target="_blank" href="/c/2016-04-12/762138.shtml">好脾胃才有好气色日常保养良方快拿走</a></li> <li><a target="_blank" 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