First, the payment amount is different: the payment standards vary from place to place. The total monthly payment of five insurances and one gold in Beijing is about 8,000 yuan, while the minimum standard stipulated by the state is about 4,000 yuan.

2. Different payment ratios: According to the Social Insurance Law of People's Republic of China (PRC), the proportion of individuals paying five insurances and one gold is determined by their units and individuals. General units pay a higher proportion and individuals pay a lower proportion, but local governments can adjust the proportion according to actual conditions.

Third, the payment period is different: according to the regulations of different regions, the payment period is different, generally one month, which can also be adjusted according to the actual situation.

Fourth, personal accounts are different: each payer has his own personal account, and the funds in the account are paid by the unit and individual according to law.

5. Different types of insurance: five insurances and one gold cover different contents. For example, some places include pension, unemployment, work injury, maternity and medical insurance, while others pay basic medical insurance and serious illness insurance separately.

Regarding what aspects of five insurances and one gold need to be improved, I think we should start from the following aspects:

1. Unified payment standard: The payment standards for five insurances and one gold are still quite different, and the national unified payment standard should prevail, so that the payment standards in all regions can reach the national minimum standard.

Second, strengthen the responsibility implementation: the responsibility implementation of individual contributions and unit contributions should be strengthened, and the responsibility cannot be pushed to the other party, otherwise it will cause losses to the rights and interests of the payer.

Third, improve the payment rules: the payment rules of five insurances and one gold need to be constantly improved, such as adjusting the payment ratio and improving the payment period, so as to better adapt to market changes.

Fourth, optimize the types of insurance: with the development of society, people's insurance demand is also increasing. Five insurances and one gold should also be optimized according to the actual situation, such as separating basic medical insurance from major illness insurance to meet the insurance needs of different groups of people.

Verb (verb's abbreviation) Strengthen supervision: The government should strengthen supervision over five insurances and one fund, regularly check the relevant payment, and effectively prevent illegal payment or arrears of social insurance benefits.

In short, the perfection of "five insurances and one gold" should start with unifying payment standards, strengthening the implementation of responsibilities, perfecting payment rules, optimizing insurance types and strengthening supervision to better protect the rights and interests of payers.