Is the working class very low? The meaning of working class: refers to those who rely on migrant workers to obtain wage income. In the past, the working class was limited to those who worked in state-owned enterprises or collective enterprises. The atmosphere of the working class is already very strong now. Let's see if the working class is very low.

Is the working class very low? 1 No, the extension of the working class is too broad.

People at the bottom of society belong to the bottom of society, generally referring to people with less economic income and lower living standards.

People at the bottom of society generally include:

1, people who sell things in the streets and lanes and have conflicts with urban management from time to time;

2. Sanitation or cleaning personnel who use simple cleaning tools and are insulted from time to time;

3, engaged in heavy manual labor, less pay.

If people at the bottom of society want to move upward, they need to spend more of their limited income on developing their intelligence and cultivating their ability.

Is the working class low? Is the income of the working class low?

Many netizens believe that the working class is a low-income class, and the collection of personal income tax on the working class cannot reflect the adjustment of high-income people. Liu Lijian said that with the deepening of the reform of China's income distribution system, the big pot of rice has long been broken, and the wage income is high or low, even the gap is wide. At present, it is not uncommon to earn hundreds of thousands or even millions of yuan a year.

According to reports, at present, wages and salary income are taxed at an excessive progressive tax rate. The higher the wage income, the higher the applicable tax rate, and the more taxes paid accordingly.

Liu Lijian, for example, said that in 2005, taxpayers with an annual wage income of more than 250,000 yuan accounted for 0.48% of working-class taxpayers, and the wage income tax paid accounted for/kloc-0.4 and 63% of wage income tax; Taxpayers with an annual salary of more than 60,000 yuan in Beijing account for 9% and 52% of working-class taxpayers, and the wage income tax paid accounts for 74% of wage income tax; In Guangzhou and Foshan, Guangdong, taxpayers with annual salary above 70,000 yuan and above 20,000 yuan account for 8%, 68% and 1 and 34% of working-class taxpayers respectively, and their income tax accounts for 60%, 9%, 46% and 5% of income tax respectively.

"This shows that there are many high-income earners in the working class, and their personal income tax per capita is much higher than other working classes." Liu Lijian said that after the deduction standard for wage income items is raised to 1600 yuan this year, the proportion of high-income earners who pay individual taxes will further increase. Therefore, the collection of personal income tax on the working class has also realized the adjustment of some high-income people.

Liu Lijian said that strengthening the collection and management of high-income earners has always been the focus of personal income tax. At present, the tax authorities mainly strengthen the management of high-income people from five aspects: clarifying the key collection and management targets, and strengthening the collection and management of high-income industries and individuals; Formulate and improve the systems and measures to strengthen the collection and management of high-income industries and high-income individuals; Establish key taxpayer files and strengthen the management of high-income people; Strengthen special inspections of high-income industries and individuals; Require high-income earners with an annual income of more than 6.5438+0.2 million yuan to declare themselves and clarify their legal responsibilities.

In addition, some netizens asked how to apply for the tax payment certificate for the personal income tax withheld by the bank.

Liu Lijian said that when a savings institution withholds personal income tax from the interest on savings deposits, it should indicate the amount withheld on the list of interest paid to depositors. The interest list indicating the deduction of taxes shall be used as the tax payment certificate. So the interest list is the tax payment certificate.

Liu Lijian also explained that according to the provisions of this tax law, "income from interest, dividends and bonuses" obtained by individuals shall be subject to personal income tax at the rate of 20%. The interest income mentioned here includes the interest earned by holding corporate bonds.

She said that although this tax law has been revised three times since the implementation of 1980, it has never changed the provisions on taxation of corporate bond interest. Therefore, when individuals buy corporate bonds in the primary market or the secondary market, regardless of whether there is a statement in the corporate bond issuance announcement or not, and whether the underwriter has informed them that personal income tax should be paid for bond interest, individuals must pay personal income tax in accordance with the tax law, and the tax will be withheld and remitted by the interest-paying unit when paying interest. If the unit that pays the interest fails to withhold and remit it, the individual who obtains the interest shall declare and pay taxes on his own.

Is the working class very low? The working class refers to those who earn their wages by working. In the past, the working class was limited to those who worked in state-owned enterprises or collective enterprises. With the development of private economy, the scope of the working class has gradually expanded. Migrant workers, low-level professional managers and long-term migrant workers in private enterprises all belong to the working class. Senior managers and temporary migrant workers should not fall into this category.

The price belt is a huge crowd, just like workers, it is the price belt and the largest class. They are by no means a class, and there are not many classes, such as intellectuals and businessmen. Just look at Chairman Mao's analysis of various classes in China. It is completely wrong to describe workers as working-class people now, because it involves major issues of exploitation, and socialism is a system in which no one exploits people, so some people talk nonsense to workers.

Compared with the elite and middle class, the cash income of the working class is relatively low, the source is relatively stable and the growth rate is relatively flat, so it is easy to predict the future income. These characteristics determine that working-class individuals have more expectations for family financial management: first, they hope that their limited financial assets will appreciate; The second is to increase disposable income beyond wages and wages; Third, I want to reduce unnecessary expenses through careful calculation. How can we achieve the above goals?

1, seize the opportunity to make your property appreciate. For the working class, the most valuable property is probably the house. If we can seize the opportunity and do a good job in housing, we can step into the middle class. At this time, there are two true stories that may give you some inspiration. Ms. Li is used to helping others stand at the counter. After meeting several suppliers, she sold the newly renovated house, rented a counter in a technology market and started her own software wholesale business. A few years later, she had a bigger house. Mr. Wang is not satisfied with the small and old house allocated to him by his unit. Unexpectedly, his house was demolished in the transformation of the old city, and the government compensated him for a new house.

Having tasted the sweetness, he studied the government work report and the municipal renovation plan, simply sold the new house, moved to his father-in-law's house, and bought two old houses in the old city for renovation. As the days passed, two old houses were really demolished-he made a net profit of 300 thousand in a few years.

2. Use the external brain to make your assets appreciate. The development of China's financial market has begun to take shape. In addition to savings, there are many investment products to choose from, such as treasury bonds, insurance, funds, stocks, foreign exchange, gold trading and so on. If it is difficult to grasp your investment options only by your personal ability, if you simply choose savings or insurance, the annual rate of return will not exceed 2%; Blindly following the trend of stock trading will take great risks. If you go to a bank or insurance company to find a professional, let him design a portfolio plan according to your existing assets, expected income and expenditure, family status and personal investment preferences, which can not only avoid risks, but also improve the rate of return.

3. Use your own characteristics and specialties to increase extra-wage income. The way to make money under the market economy is to discover and innovate, and the most taboo is to blindly follow suit and imitate. If the working class wants to increase their income beyond wages, they must give full play to their intelligence and make use of their own characteristics or specialties to do something that others have no conditions to do or want to do, but the cost is too high. For example, Mr. Zhao, who is a literature lover, can't send two literary manuscripts a year, and he has to go to midnight every day. The unit stipulates that every press release will be rewarded according to the media level. He turned to write the news of his unit, and he earned thousands of dollars a year.

Mr. Liu's family is in the countryside, and it costs more than ten yuan to go home every time. I had a "special meal" in the newly opened restaurant across the street, and suddenly I had inspiration. Every time I go home, I bring some sesame leaves, sweet potato leaves, elm money and other things that belong to the countryside, and I earn a lot of money. Later, he contacted several restaurants, and once needed, he simply called his hometown in the countryside to see him off and started his own "broker".

4, learn to "no books" to collect spare money. Specializing in the collection of stamps and antiques requires both professional knowledge and more money and energy, which is difficult for ordinary working-class people to do well. First, according to your living environment, professional characteristics, hobbies and other conditions, be a conscientious person and choose certain varieties, such as work license plates, lighters, cards, newspapers, cigarette cases and so on. You may earn a lot of money by collecting them without books (or at a low price) and doing nothing. Second, if you have nothing to do, just look through the "old things" at home, sort out those unremarkable old things, or pay more attention to the old things of relatives and friends in rural areas, which may give you a surprise.

5. Learn to save money in a "joint" way. For enterprises, both manufacturing and service industries have a problem of economies of scale. The more people buy products or services, the lower their unit cost. Therefore, if you need to buy a product or service, you can buy it together with several people and bargain with the merchants, which can save money. A trade union cadre of a unit signed up for a two-day tour of Lushan Mountain in a travel agency and habitually chatted with the other party about the starting price. The travel company said, "You can take me as a tour group for free." This sentence reminded her that she really persuaded the unit leader to organize a tour group. Later, before the "Golden Week" came, she made full use of her network to attract tourists for the tour group and get commission from it.

6. Learn to use public facilities to save money. Public facilities in modern cities, such as public transportation, communication and rescue facilities, are perfect. Whether in the local area or on a business trip, you can really save a lot of money if you are good at using and skillfully using the public facilities in the city. The following is the monthly expense account of a working family in Xi 'an: living expenses in 720 yuan, transportation expenses of 293 yuan, childcare expenses in 400 yuan, communication expenses of 432 yuan, cigarettes of 325 yuan and others of 5 17 yuan, totaling 2688 yuan.

(Excerpted from Lover, 200 1, 7) The analysis shows that if families change the taxis they often take to buses, the transportation expenses can be reduced to 30 yuan; If you use a calling card when you go abroad, you can make good use of your company's and home's fixed telephones locally and choose a suitable calling card for your mobile phone, so that the communication cost can be reduced to within 80 yuan. Only these two items can save 6 15 yuan every month, which is equivalent to a part-time job for one year.

7. Learn to save money moderately. China is a big country that pays attention to "face". If we are stingy with everything, it will affect our "image". If the degree of "pulling out" can adapt to our income and status, we can reduce expenses and take care of face. First, control children's consumption and educate children to develop good habits of thrift from an early age; Second, don't fight for money every time a friend gets together, and don't fight for money every time at work, at a gathering of relatives and friends, for weddings and funerals. Third, learn some maintenance skills, be diligent in maintaining household items, and don't ask people to repair or update them at every turn; Fourth, don't go to the supermarket if you have nothing to do. Make a list when you really need to shop. Fifth, avoid shopping in peak season (such as winter clothes and summer clothes) and peak season (such as not buying food after work), and don't buy staged supplies if you can rent it.