In Fujian Sanming, a social security base of 21,300 yuan likely represents the upper limit of the payment base. Here are the reasons broken down by different aspects:
- Based on general social security regulations: Nationally, social security payment bases often have upper and lower limits, with the upper limit typically set at 300% of the average monthly wage of urban employees in the region. In Sanming, 21,300 yuan may be the result of calculating 300% of the local average wage, serving to regulate high - income earners' social security contributions.
- Implications for different types of social security:
- Pension insurance: For employees, the contribution is calculated as a percentage of the payment base. If the base is 21,300 yuan, and assuming an individual contribution rate of 8%, the individual would contribute 21300×8% = 1704 yuan per month. For employers, with a contribution rate of around 16%, they would contribute 21300×16% = 3408 yuan per month. A higher payment base means more contributions during the working years, which may lead to a higher pension amount after retirement.
- Medical insurance: The employer usually contributes around 8% of the payment base, and the employee contributes 2%. So for a base of 21,300 yuan, the employer's contribution would be 21300×8% = 1704 yuan per month, and the employee's would be 21300×2% = 426 yuan per month. This higher contribution amount may also be related to better medical insurance benefits in the future, such as a higher reimbursement ratio or a larger reimbursement scope.
- Comparison with local economic development: Sanming's economic development, including factors such as average wage levels, per capita income, and GDP growth, affects the determination of the social security payment base. A relatively high payment base like 21,300 yuan may indicate that Sanming's local economic development is at a certain level, with higher - income industries and a relatively high - level overall income structure in the region, which can support such a high payment base standard.
In summary, 21,300 yuan as a social security base in Sanming is likely the upper - limit standard determined based on local economic development and relevant national social security regulations, which has important implications for employees' social security contributions and future benefits.
