In order to reduce the impact of the epidemic on small and medium-sized enterprises, the the State Council executive meeting decided to launch a new policy of deferred provident fund. What impact will it bring? The following is the impact of the new policy of deferred payment of provident fund that I share. Come and have a look!

Due to the impact of the epidemic, many enterprises did not return to work, and many enterprises that did not return to work faced a lot of pressure. The most important thing is the problem of five insurances and one gold. On February 20th, the State Council Information Office held a press conference to clarify the new policy of 2020 provident fund holdover. Will it affect the normal exit of employees?

First, enterprises can apply for deferred payment of housing provident fund before June 30, 2020 according to regulations. During the holdover period, the deposit time should be calculated continuously, which does not affect the normal withdrawal and application of housing provident fund loans for each employee.

Second, employees, especially frontline medical staff and epidemic prevention and control personnel, need to be isolated or temporarily affected by the epidemic. Similarly, before June 30, 2020, housing provident fund loans will not be repaid normally and will not be overdue. At the same time, considering the paid-in employees who are under the pressure of rent payment, the amount of rent withdrawal can be reasonably increased and the withdrawal time can be flexibly arranged.

3. Enterprises in areas with severe epidemic can decide to voluntarily pay the provident fund before June 30, 2020 on the premise of full consultation with employees. If you continue to pay, you can independently agree on the deposit ratio; If the payment is stopped, the payment time will be calculated continuously during the period of stopping payment, which will not affect the normal withdrawal of housing provident fund and employees' application for housing provident fund loans.

4. Will the deferred payment be a prelude to the abolition of the provident fund system?

Not long ago, Huang, chairman of the Tsinghua Industrial Transformation Advisory Committee and former mayor of Chongqing, suggested that the housing provident fund system should be abolished to reduce the burden on enterprises. Since then, experts from all walks of life have expressed their opinions.

Teng Tai, president of Wanbo New Economic Research Institute, believes that housing provident fund is actually a deformation of employees' wage income. In this case, it should be clear that the part paid by employees is directly converted into wages, rather than simply cancelled directly. Hong Liang, head of the research department of China International Capital Corporation, said that in the short term, the proportion of housing provident fund can be lowered first, and in the medium and long term, it is an inevitable choice to cancel the provident fund system.

Now he suggests that if we want to reduce the contribution ratio of provident fund, we can pay more attention to the first suite, and the second suite's provident fund support is of little significance. Yes At least, if you want to reduce the burden on enterprises, you can let employees take the initiative to save more provident fund and increase some concessions. For example, the amount of crosslinking is relatively high, which will increase the amount of loans in the future; It will take a long time to pay and the loan term will be opened in the future.

Yan Yuejin also said that the abolition of the housing provident fund system must be fully demonstrated, but it does not rule out that after April this year, the existing national policy of reducing the proportion of housing provident fund contributions will be extended for 1-2 years.

5. What do you mean by deferred payment of provident fund?

If it is really difficult for a unit to pay the housing provident fund (for example, it is in a state of suspension or semi-suspension, resulting in serious losses, and the pension insurance and unemployment insurance are deferred after being approved according to law, and other circumstances are really difficult), an application may be filed with the consent of the employee congress or trade union of the unit, and the proportion of deferred payment may be reduced or reduced after being approved by the municipal housing provident fund management center. Units that have been approved to reduce the deposit ratio shall not be less than 5%. If the deposit ratio of housing provident fund is reduced or deferred, the unit shall fill in the Approval Form for Reducing the Deposit Ratio of Housing Provident Fund (Deferred), and provide the written report of the unit, the decision (resolution) agreed by the workers' congress or the trade union, relevant financial statements and the annual tax return of enterprise income tax.

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