Peninsula metropolis daily News Compared with commercial loans, provident fund loans have always been favored by property buyers because of interest rates and other reasons. More and more employees who pay provident fund will take provident fund loans as the first choice for housing loans. The rapid economic development and the widening income gap between citizens also reflect the deposit of housing provident fund. On xx, xx, the reporter investigated many industries in the island city and found that some units pay employees five or six thousand yuan a month, while others only pay one or two hundred yuan. The amount of provident fund deposits in different industries varies by dozens of times. The phenomenon of "paying less can't afford it, but paying more is more and more serious".
The voice of "uneven fat and thin" needs urgent attention.
As a housing security system, housing accumulation fund has played a great role in improving residents' housing conditions. According to the data of Qingdao Housing Provident Fund Management Center, in the first three quarters, Qingdao opened 22 new employee accounts 1 16 122, and collected 7.748 billion yuan of housing provident fund, a year-on-year increase of 16.77%. At present, the number of people covered by housing provident fund deposit has reached? 1557,200 people, with a total deposit of 58.257 billion yuan, realizing a deposit balance of 26.748 billion yuan, and accumulating housing savings of several hundred thousand yuan to several thousand yuan for employees to solve housing problems.
"With the economic development and the widening national income gap, problems such as low coverage of the provident fund system and uneven collection have begun to appear." Zhang Bairen, an analyst in the property market, said that high-income groups have a high proportion of housing provident fund deposits and can naturally enjoy various benefits of the system; However, it is difficult for low-income groups to directly enjoy the benefits of this system. An industry insider who asked not to be named said that the provident fund policy should have been tilted towards low-income groups, but at present, the housing prices in the island city are high, and the role of provident fund loans for low-income families is limited.
The average bank employee is 2000 yuan and the supervisor is 6400 yuan.
"The house I bought needs to repay 4500 yuan a month, and the provident fund is enough. Wages are not needed at all. " Mr. Lin, the supervisor of a joint-stock bank, said that the amount of his provident fund deposit is 3,200 yuan from his salary every month and 3,200 yuan from the unit. If the employee currently has a mortgage, the unit will give another part, but depending on the length of service, the high length of service can approach 10,000 yuan.
Mr. Li, the head of the human resources department of Qingdao Branch of a joint-stock bank, said that the provident fund for new employees in their bank is generally around 2,000 yuan, which is paid in full by the unit, and individuals are not responsible, and there are several hundred yuan of housing subsidies every month.
"The general employees of our bank, the total amount of provident fund paid by themselves and their units is about 2,000 yuan, which should be considered relatively low in the banking system." Ms. Gao, a staff member of a branch of the Agricultural Bank of China Island City, told the reporter that such a level of provident fund deposit should be the lowest among the four state-owned banks built by workers and peasants, and it can't be compared with joint-stock banks.
Judging from the deposit level of housing provident fund in various industries in the island city, the industry with relatively high monthly deposit level is the financial industry. However, insurance and futures companies belonging to the financial industry pay relatively little provident fund. According to the reporter's understanding, some insurance companies pay less provident fund for their employees every month than 200 yuan.
1600 yuan ordinary civil servant, director of 2000 yuan.
Many citizens may think that the payment standard of civil servant provident fund is relatively high, but on the 24th, the reporter interviewed many civil servants and learned that the payment standard of civil servant provident fund in Island City is actually at the average level, perhaps not as high as the public guessed. Moreover, civil servants in different departments have different payment standards for provident funds.
"Our bureau common cadre provident fund, a month to buckle 800 yuan, a buckle. A month 1600 yuan. The section chief will deduct about 900 yuan every month, director 1000. "Mr. Liu, a civil servant of a vertical management agency in Qingdao, told reporters. A civil servant in the High-tech Zone said that ordinary cadres in their unit will be deducted from 600 yuan's provident fund every month, and the section chief and director should be higher accordingly.
However, according to the reporter's understanding, the payment standard of some civil servants' provident fund in the island city is to deduct one and make up two, so the total amount of provident fund is still considerable. "If 600 yuan is deducted and the unit pays 1.200 yuan, then the total amount of one month is 1.800 yuan, which is not small." A civil servant in the island city said that many institutions are implemented according to this standard.
200 yuan, an ordinary employee of a private enterprise, not at all.
The deposit base of the island city housing provident fund is adjusted according to the change of the average monthly salary of employees in the previous year. The upper limit of the monthly deposit of the island city housing provident fund is 2730 yuan. If the deposit base exceeds 3 times the average monthly salary of employees in this city in the previous year (8 190.75 yuan) or the deposit ratio exceeds 12%, the overpaid housing provident fund will be incorporated into the individual's current salary and salary income in accordance with relevant policies and regulations. The lower limit is calculated and determined according to the average monthly minimum wage standard of employees in this municipality last year and the deposit ratio of 5%, that is, 20 12 years, with seven districts in 54 yuan and five cities in 46 yuan. Many private enterprises pay fees according to this lower limit standard.
There are nearly 30 listed companies in Qingdao, many of which are labor-intensive enterprises. Before the company went public, some front-line employees did not have provident fund. In order to go public, enterprises began to pay provident fund to employees. As can be seen from the prospectus, private enterprises such as Jiaozhou Oriental Building (002545) and Jimo Hailimeida (002537) all pay the provident fund to the employees who sign the contract, but the amount of the provident fund for ordinary employees is not large.
Ordinary employees of state-owned enterprises 336 yuan Zheng Ke 1 120 yuan.
The provident fund of state-owned enterprises is closely related to the level. Mr. Liu is an employee of Shandong Ginza Investment Development Co., Ltd. "The employees of our company deduct 168 yuan from the provident fund every month on average, and the supervisor deducts 280 yuan, and the assistant deducts 433 yuan, which officially deducts 560 yuan." Mr. Liu said that directors and bosses are generally based on annual salary system, and the amount of provident fund is definitely more.
When Mr. Mou, a grass-roots employee of Qingdao Sifang Locomotive Factory bought a house, he withdrew more than 10,000 yuan from the provident fund account. "I graduated for more than three years, and the provident fund has to be paid for about two years. Therefore, the total amount of provident fund paid by me and my unit for one month should be four or five hundred yuan. For a junior college student, it is not bad among classmates. Many of my classmates have no provident fund. Listening to colleagues, the provident fund for undergraduates and leaders is higher than ours. "
Ms. Yuan, a staff member of the Qingdao Sales Department of CSI Futures, said that their unit is also a state-owned enterprise. In the past, provident fund units were paid to them according to the basic salary, and even the commission was counted this year. "For us, the basic salary only accounts for half of the income. After the commission was also averaged into the provident fund, everyone's contribution to the provident fund increased a lot. "
600 yuan and Ou Lingao, ordinary employees of foreign companies.
There are a large number of foreign-funded enterprises in Island City. It is understood that foreign-funded enterprises are generally standardized in terms of employee benefits, and the provident fund is paid in proportion to wages, which basically belongs to more work and more pay.
Ms. Qu, an employee who just left a Sino-Japanese joint venture named Qingdao, said that the provident fund paid by the company to employees is strictly in accordance with the standard of 10% of employees' wages, and the company will naturally pay more provident fund. "The provident fund deducted from the salary of ordinary employees ranges from three or four hundred yuan to five or six hundred yuan a month, and there will be more leaders." Ms. Qu said that the company also deducted one and made up one.
"Many of my classmates work in foreign-funded enterprises. By comparison, we find that foreign-funded enterprises in Europe and America pay relatively high provident funds for their employees, while some enterprises in Japan, South Korea and other countries often pay less provident funds for their employees. " Ms. Yuan, who graduated from a university of finance and economics in Shandong, said that she works in a foreign-funded financial institution, and the total monthly provident fund is about 3,000 yuan, which is probably at a medium level compared with her classmates who work in foreign-funded enterprises.
How much the monopoly enterprise provident fund is a mystery.
There are many rumors that monopoly industries such as tobacco, electricity and two barrels of oil are more profiteering than banks, and the welfare pattern is richer, so it is natural to say that provident fund.
On the afternoon of xx, the reporter tried to understand the provident fund situation of monopoly industries such as power supply companies, but did not get a reply. "How much the provident fund is personal privacy, just like personal income, how can it be announced at will? Would you like to talk about your income? " The staff of Qingdao Power Supply Company told reporters that their income is not high, and many people often say that the annual income is mostly rumors. "Our income is only average, and the provident fund is also average. If you want to know the specific figures, I can't tell you now. I can only tell you if I go to the unit for instructions on Monday. "
In the afternoon, the reporter also contacted a staff member of the tobacco company and did not get a positive answer.
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