Legal Subjectivity: 1. What is the contribution ratio of social security and provident fund in Shanghai? The contribution ratio of the employee and the housing provident fund of the unit is 5% to 7% each.

In principle, the deposit ratio is 7% each. The enterprise can choose a 5% or 6% deposit ratio based on the circumstances of reducing the deposit ratio listed in the Shanghai Provident Fund Management Committee [2016] No. 10, but it should be through the collective

After consultation, a special agreement on adjusting the housing provident fund payment ratio will be formed, and it will be voted on by the workers' representative conference or the all workers' conference, and the Municipal Provident Fund Management Center will no longer review and approve it.

Shanghai social insurance payment units are based on a ratio of 35%: 21% for pension, 11% for medical care, 1.5% for unemployment, 1% for childbirth, and 0.5% for work-related injuries.

For individuals, the ratio is 10.5%: 8% for pension, 2% for medical care, 0.5% for unemployment, 0 for childbirth, and 0 for work-related injuries.

Housing provident fund units and individuals each pay 7%.

2. Methods of collecting social insurance premiums 1. Proportional insurance premium system This method is based on the insured's salary income and stipulates a certain percentage to calculate and collect insurance premiums.

The proportional system is adopted. It turns out that the main purpose of social insurance is to compensate the insured for the income lost during the risk accident in order to maintain his minimum living. Therefore, it must refer to the income he usually relies on for a living. On the one hand, it is used as a measure of benefits.

Standards, on the other hand, serve as the basis for premium calculation.

The biggest flaw of the work-based proportional insurance premium system is that the burden of social insurance is directly linked to wages. Whether the employer and employee pay the social insurance premiums or one of them pays the social insurance premiums, the burden of social insurance is expressed as a share of labor costs.

As a result, capital will crowd out labor, resulting in increased unemployment.

2. The equal insurance premium system means that regardless of the income of the insured or his employer, the same amount of insurance premiums will be charged.

The advantage of this system is that it is simple to calculate and easy to implement universally; and countries that use this method to collect insurance premiums generally adopt an equalization system when paying insurance premiums, which means that all revenue and expenditure are equal.

But its drawback is that low-income people and high-income people pay the same premiums, which is obviously unfair in terms of affordability.

3. Functions of social security 1. Function of stabilizing social life 2. Function of redistribution 3. Function of promoting social and economic development: First, the social insurance system functions as an important tool for demand management, thus playing a positive role in the economy

; The second is that the effective use of social insurance funds can promote sustained economic prosperity; the third is that social security has become a basic condition for enterprises to recruit talents.

Legal objectivity: 1. How to transfer out Shanghai social security and provident funds 1. Provident funds can be withdrawn, requiring procedures: original ID card; original household register; resignation certificate; Shanghai provident fund withdrawal certificate (both certificates must be issued by the original company

) Take the above information to the provident fund business counter of the nearest CCB branch in each district of Shanghai to handle the housing provident fund withdrawal business.

2. For pension insurance, you need to bring your ID card to the social security center where your original employer is located to print the payment voucher and submit it to the social security center at your current workplace to apply for transfer.

3. Medical insurance can be transferred directly to the medical insurance center at your current workplace.

2. How to transfer housing provident funds. If an employee terminates the labor relationship with the unit due to the expiration of the labor contract or other reasons, the housing provident fund transfer procedures should be completed. The specific steps are as follows: (1) The employee opens a provident fund account in the collection department of the newly transferred unit.

, and provide proof of account opening; (2) The transferring unit shall fill out a four-part "Housing Provident Fund Transfer Notice" based on the book balance of the employee's housing provident fund account, and submit it to the collection department for transfer procedures.

When filling out the "Housing Provident Fund Transfer Notice", you should pay attention to filling in the following contents: the full name of the transfer-in and transfer-out unit, the unit number and the collection department to which it belongs; the name and number of the transferred employee should be consistent with those filled in the unit's remittance list.

;The transfer amount shall be the book balance of the employee's account;Signature (seal left in the collection department).

According to the "Regulations on the Administration of Housing Provident Fund" of the State Council, when employees leave their jobs, their original units should seal up the funds. After they work in a new unit, they will be transferred to the new unit and continue to make deposits, but they cannot cancel the account and withdraw.

Only those who meet the withdrawal conditions can apply to withdraw personal housing provident fund details.

3. How to handle the housing provident fund withdrawal procedure 1. Already have a house and have a real estate certificate: Hold the real estate certificate (must be your own), provident fund withdrawal application approval form (go to the provident fund center to get it and get it back with the company's seal and fill in the company's provident fund account number

(Generally, the financial department of large-scale units will have such a form), take your ID card, go to the provident fund center in your city for review, and then go to the bank to withdraw (the provident fund center will tell you which bank it is).

2. Purchase a house with a loan: Bring the house purchase contract, house purchase loan contract, repayment details (printed by the bank, it is best to consult the loan bank and provident fund center in advance to see how long the repayment details will take), provident fund withdrawal application approval form, and personal identity

To apply for the certificate, go to the Provident Fund Center.

It should be noted that if the property is owned jointly by both husband and wife, or the house is purchased with a loan after marriage, or the provident funds of both parties are withdrawn, the ID cards, marriage certificates, and household registers of both parties must be provided.