Of course not! Please make clear the concepts of housing provident fund and enterprise annuity first!
Housing provident fund is a housing subsidy paid by the state to employees by compulsory enterprises, which is borne by the state and enterprise employees in proportion and is mandatory!
The enterprise annuity is paid to employees voluntarily by the company. Generally speaking, companies that give employees enterprise annuities are relatively large and powerful companies! Enterprise annuity is essentially a kind of welfare!
The housing provident fund is earmarked for special purposes. If it is changed to enterprise annuity, it is difficult for employees to withdraw cash. And for many people, one advantage of provident fund is that it can be used for loans and mortgage repayment. Can it be so convenient to use after changing it into an enterprise annuity?
Some people don't know what they are thinking all day. How to implement this kind of thing that is not conducive to most enterprise employees?
Therefore, in the short and long term, it is impossible to cancel the housing provident fund, let alone change it into an enterprise annuity!
I only say one or two things, and I will tell you about saving money and making money!
Housing accumulation fund is a special fund that the state has to pay, while enterprise annuity is a voluntary behavior of employers and employees on the basis of paying social insurance. The two are not the same thing and cannot replace each other.
The Regulations on the Management of Housing Provident Fund clearly stipulates that,
Article 37
In violation of the provisions of this Ordinance, the unit does not handle the registration of housing provident fund deposit or the establishment of housing provident fund account for its employees, and the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed.
Article 38
In violation of the provisions of this Ordinance, the unit fails to pay or underpays the housing provident fund, and the housing provident fund management center shall order it to pay within a time limit; If the deposit is not made within the time limit, it may apply to the people's court for compulsory execution.
Therefore, the employer must pay the housing accumulation fund for employees, otherwise it will be punished.
Enterprise annuity, namely supplementary endowment insurance, is based on paying social insurance. In order to better improve the quality of life of retirees and achieve better enterprise benefits, an annuity system can be established. This system is not mandatory, and the unit can be exempted from poor efficiency.
To sum up, the employer must pay the housing provident fund for employees, but it may not pay the enterprise annuity.
Why do China people form many groups and are unhappy with each other? It is because of the discontinuity of the policy that everything is like catching the last bus. Those who catch up will go up, and those who can't catch up will be lost forever, resulting in imbalance after crop. For example, housing provident fund and enterprise annuity are all well paid. If we have to change the provident fund into an enterprise annuity, we will change the policy in a small way. How many people do you want to harm?
First: the essential difference between the two kinds of gold. Housing accumulation fund is compulsory and enterprises must pay it. The enterprise annuity is paid by the enterprise voluntarily. The binding force on enterprises is different. If the housing provident fund is converted into an enterprise annuity, the enterprise can find various reasons not to pay it, and it is the employees who suffer. At present, most enterprises have no enterprise annuity at all.
Second, the functions of the two gold are different. The law requires that the housing accumulation fund be paid by enterprises to protect the interests of employees in buying houses. First, you can take out a house, decorate it, and even see a serious illness. Second, you can use provident fund low-interest loans, and the interest of provident fund loans is much lower than that of commercial loans. However, the enterprise annuity can only be withdrawn after you retire. If you don't formally retire and resign early, you won't get the enterprise annuity.
Third, the income of the two funds is different. The minimum housing accumulation fund is 5% and the maximum is 12%. Unit contribution 12%, individual contribution 12%, which is 24%. For example, the upper limit in Beijing is 6680 yuan per month. Enterprise annuity, the enterprise chooses to pay or not to pay voluntarily, and the payment ratio is 65438+ 0% for individual and 2% for unit, or 2% for individual and 4% for unit. The amount is limited, not as high as the provident fund. The unit reduced the cost and the employees lost a lot.
I agree. Is it useful? I don't agree. Is it useful?
Unfortunately, I don't know who is the person who exercises my rights on my behalf, and I don't know whether this representative will agree or disagree to cancel the provident fund in the future.
However, I know that some bosses recently, including serving officials, former community leaders of officials and business owners, all support the abolition of housing provident fund.
Of course, the big boss of the enterprise on the internet once said that the housing provident fund should be abolished and everyone should be equipped with a suite. If so, I am supported by both hands and feet, but can I do it? Probably not.
Therefore, as far as the present situation is concerned, I don't agree to cancel the provident fund. Because my unit has paid me the housing provident fund, and I am a vested interest, of course I disagree.
And I think enterprise annuity should be paid as compulsory as occupational annuity, that is to say, both housing provident fund and annuity should be available, not an option.
Objectively speaking, the Regulations on the Management of Housing Provident Fund binds enterprises and institutions and stipulates that housing provident fund should be paid for employees. However, we should also objectively see that the proportion of employers paying housing provident fund is not high, including those bosses.
But after all, there are still regulations that bind employers.
Enterprise annuity is different. It is clearly stated in the Regulations on Enterprise Annuity that whether or not to pay enterprise annuities shall be negotiated by both employers and employees.
Let me ask you, if you are a business owner, would you like to discuss with me to give me more money?
Of course, I will actively respond to the call of the country. If the country makes such a decision, I will support it.
Disagree. Provident funds and annuities should be available.
Let's first look at the definitions of housing provident fund and enterprise annuity.
Housing accumulation fund refers to the long-term housing savings paid by state organs, 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. This is a social security system. According to the Regulations on the Management of Housing Provident Fund, the contribution ratio of employees and units' housing provident fund shall not be less than 5% and shall not be higher than 12%.
Enterprise annuity is a supplementary old-age insurance system, which refers to the supplementary old-age insurance system independently established by enterprises and their employees on the basis of participating in the basic old-age insurance according to law.
Enterprise annuity is an important supplement to the national basic old-age insurance, and it is the "second pillar" to improve the old-age insurance system for urban workers in China (consisting of basic old-age insurance, enterprise annuity and personal savings old-age insurance). In countries with modern social insurance system, enterprise annuity has become a common supplementary pension plan for enterprises, also known as "enterprise annuity plan" or "occupational annuity plan", and has become an important part of the old-age insurance system in the host country.
Now we know that the purpose of housing provident fund is that when we want to buy a house, rent a house and other things related to the house, we can withdraw and use it at any time according to the regulations. Enterprise annuity is our supplementary pension. If it is not immigration or death, it can only be withdrawn when we retire. The purpose and usable time of the two are different, which provides a separate guarantee for our housing and old-age care. If the housing provident fund is changed to enterprise annuity, if the normal withdrawal time is in accordance with the provisions of enterprise annuity until retirement, it will inevitably increase the cost of buying a house. If the provisions of the housing provident fund are still used after the merger, it is meaningless to merge the two. So I think I still want to keep the status quo.
First, the provident fund has existed for many years. For those who have poor economic conditions and are unable to improve the housing environment, we low-income people are undoubtedly saviors, who can solve urgent needs and change our living environment.
Second, as an indispensable source of income for ordinary people and office workers, it is not easy for ordinary people to earn money. However, the provident fund is to a large extent to accumulate savings for individuals, which can alleviate economic pressure.
Third, for the economic downturn, especially if you want to decorate your house, it seems that you can't do it, and the provident fund can be solved perfectly.
Fourth, provident fund can promote people's creative enthusiasm. Since the reform of the provident fund, it has not been shared per capita, but deducted according to the percentage of wages, which has invisibly encouraged the emergence of people in front-line positions and brought many experts and even motivation and vitality to the country.
However, enterprise annuity belongs to public individual behavior and is paid voluntarily.
Personally don't agree to cancel! The answer is not good, please forgive me! Don't spray if you don't like it!
Provident fund is the welfare of wage earners, which can improve individuals' ability to pay for buying a house. However, there are some problems in the operation of social capital, such as low efficiency, high consumption and unfairness. If we can formulate preferential loan interest rate policies for different groups of people, we can completely make up 20% of the provident fund loans with commercial loans without increasing the housing loan debt of ordinary people. Different from the provident fund, the operation of annuity can enter the capital market and generate higher income by maintaining and increasing the value.
In short, provident fund or annuity is a saving mechanism. The former is to solve the housing problem; The latter is to solve the problem of providing for the aged. The responsibility of providing preferential loans to employees can be solved by commercial banks or housing banks.
Don't agree!