New changes of provident fund what are the new changes of provident fund in 2018
4hw.com.cn: provident fund is a major issue related to people's livelihood. Every year, the payment and deposit of provident fund will change according to economic and other policies. What are the new changes in 2018? Let's get to know each other.
The regulation and control of the national real estate market has entered a dense period, and the changes of policies on housing loan and housing accumulation fund always affect the nerves of buyers and renters. On April 11, the Ministry of housing and urban rural development and other three departments issued a notice to extend the policy of reducing the proportion of enterprise housing accumulation fund to April 30, 2020. In addition, the payer can independently determine the proportion between the lower limit of 5% and the upper limit of 12%. It is reported that this can reduce the burden of enterprises by about 30 billion yuan.
At the same time of reducing the burden of the enterprise, how much will the accumulation fund of the staff be affected?
Postpone the policy of reducing the proportion of enterprise accumulation fund
The Ministry of housing and urban rural development, the Ministry of Finance and the people's Bank of China issued the notice on improving the payment mechanism of housing fund to further reduce the cost of enterprises on November 11. According to the notice, in order to reduce the real economic cost and reduce the non tax burden of enterprises, we will improve the mechanism of housing accumulation fund payment and deposit, extend the period of the policy of reducing the proportion of enterprise housing accumulation fund payment and deposit in a phased and appropriate manner, and continue to extend the implementation period until April 30, 2020 after the policy of reducing the proportion of enterprise housing accumulation fund payment and deposit in a phased and appropriate manner issued by all regions expires.
According to the notice, the monthly wage base of housing provident fund shall not be higher than 3 times of the average monthly wage of the employees in the previous year published by the Statistics Department of the city divided into districts where the employees work. If it exceeds 3 times, it shall be regulated and adjusted.
According to the notice, the lower limit of the proportion of housing accumulation fund is 5%, and the upper limit shall be determined by each region according to the procedures stipulated in the regulations on the administration of housing accumulation fund, which shall not exceed 12%. The deposit unit can determine the proportion of housing accumulation fund within 5% to the upper limit of local regulations.
In addition, the notice also requires that enterprises with difficulties in production and operation can apply to reduce the proportion of housing fund deposit or postpone the payment after being discussed and approved by the workers' Congress or the labor union. The Management Committee of housing accumulation fund shall authorize the management center of housing accumulation fund to examine and approve, and the time limit for examination and approval shall not exceed 10 working days.
Policies can reduce the burden of enterprises by about 30 billion yuan
In fact, in April this year, the Ministry of housing and urban rural development announced the relevant policy measures such as the extension of the policy to reduce the proportion of enterprise provident fund. Therefore, the notice jointly issued by the three departments also means the actual implementation of the policy.
On April 9, Zhang Xingye, director of the Department of planning, finance and foreign affairs of the Ministry of housing and urban rural development, said at the regular policy briefing of the State Council that the Party Central Committee and the State Council attached great importance to reducing the burden of enterprises, demanded that the real economic cost be greatly reduced and the non tax burden of enterprises be substantially reduced. In 2016, the Ministry of housing and urban rural development of the people's Republic of China, together with relevant departments, issued the notice on regulating and periodically appropriately reducing the proportion of housing provident fund deposits, which requires all provinces, autonomous regions and municipalities to gradually and appropriately reduce the proportion of housing provident fund deposits from May 1, 2016, temporarily for two years. After the issuance of the documents, the upper limit of the national deposit proportion was all regulated to within 12%.
By the end of 2017, the total cost of enterprises has been reduced by about 40 billion yuan, which has played a positive role in reducing enterprise expenditure, alleviating business difficulties and promoting the steady growth of the real economy. In order to continue to play the role of housing provident fund in reducing the cost of enterprises and consolidate the effect of cost reduction, it is decided to extend the period of the policy of reducing the proportion of enterprise housing provident fund payment and deposit in a proper way. '
According to Zhang Xingye, in order to implement the decision of the executive meeting of the State Council, the Ministry of housing and urban rural development plans to take four main measures: first, extend the policy period of reducing the proportion of enterprise housing accumulation fund payment and deposit by two years to April 30, 2020. The second is to standardize the upper limit of the base of housing accumulation fund. Third, expand the floating range of the proportion of housing accumulation fund. The fourth is to improve the efficiency of examination and approval of reducing the proportion of housing accumulation fund and delaying payment. Through the above measures, it is expected to reduce the burden of enterprises by about 30 billion yuan in 2018.
What is the impact on the staff?
How much influence does the policy of reducing the proportion of enterprise provident fund payment and deposit have on the majority of employees? Zhang Dawei, chief analyst of Zhongyuan Real Estate in Beijing, pointed out that unlike social security and endowment insurance, housing fund is the disposable income of employees, and this part of income does not need to pay individual income tax. For many employees, the reduction of the proportion of the provident fund will directly affect this part of the income. Although the wages of the employees have increased, they still have to pay individual income tax, so the extent of increasing the cash income of the employees is not obvious.
'from this point of view, if the provident fund is reduced, it is good news for the enterprise to reduce the burden, but it is not too good for the employees. '
At the same time, Zhang Dawei also pointed out that some enterprises would like to reduce their expenses and gain more profits by paying less endowment insurance and social security expenses, while ordinary enterprises will not reduce their contributions to the provident fund. "The decrease of provident fund means the decrease of wages, so the enterprises can negotiate with the employees directly to reduce their salaries. 'in his opinion, ordinary enterprises will not do so, and salary reduction will directly reduce the talent attraction of enterprises.
For the real estate market, Zhang Dawei believes that this policy has little impact, because there are not many cities with provident fund deposits higher than 12%.
In addition, Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that the starting point of this policy is to reduce the burden of enterprises. The policy itself adopts a phased approach and will adhere to this idea in the future.