Five insurances and three exchanges refer to the housing accumulation fund, the small enterprise back-pay guarantee fund and the disabled protection fund.

The specific definition is as follows:

1. Housing accumulation fund refers to the long-term housing savings paid by state-owned Buddhist institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees;

2. The wage protection fund refers to the social * * economic system in which the employer is in arrears with the wages of employees and the provisions of this Ordinance exist, and the competent department uses the wage protection fund to advance a certain amount of wages to employees in accordance with relevant regulations;

3. Unemployment insurance for the disabled. Eligible disabled people apply for unemployment insurance, with the aim of ensuring their basic livelihood.

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement when they reach the statutory retirement age, and enjoy the basic medical insurance benefits in accordance with state regulations. Those who have not reached the prescribed time limit may pay the fees within the prescribed time limit.

According to the regulations, unemployed people who meet the following conditions will receive unemployment insurance benefits from the unemployment insurance fund: before unemployment, the employer and I have paid unemployment insurance premiums for one year, and if employment is not interrupted because of my will, they have registered for unemployment and have job requirements.

The housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for disguised employees belong to individual employees. The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes. The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After consulting the construction administrative department of the State Council, it is reported to the State Council for approval.