There is no direct connection between fund raising and welfare payment. Reducing the proportion of unit contributions does not affect the calculation and payment of pensions, and personal treatment does not decrease. Reducing the proportion of unit contributions means that enterprises pay less, which will affect the adequacy of pension funds, but it does not mean that less funds will reduce personal treatment. Moreover, pension benefits will increase year by year according to prices and other conditions; The level of unemployment insurance benefits mainly depends on the age of the unemployed and the accumulated payment period, and has no direct connection with the rate itself, so it will not affect the unemployment insurance level of the unemployed. Therefore, personal social security benefits will not be reduced. Guangdong appropriately reduces the contribution ratio of housing provident fund to 12%, and the upper limit of the contribution base is reduced from 5 times to 3 times of the average monthly salary. In other words, employees who have paid more than 3 times before and the proportion exceeds 12% will receive less provident fund.