The pension insurance for retired employees is comprehensively calculated according to the deposit base, payment period, personal account balance and the average monthly income of employees in the previous year when they retire. Among various factors, in the payment period, the average monthly income of employees in the previous year only needs to be retired in the same place, which seems to have no effect on the old-age insurance, and the most harmful thing is the deposit base.
although there is a basic standard for the deposit base in the same overall planning area, that is, the average monthly income of employees in the previous year published by the provincial and ministerial social security institutions, which is used as the calculation reference for the payment index, has the effect of balancing the deposit base in the middle of the place and in the middle of the field, but it only considers the standard of my own payment index. As freelancers, they all pay according to this deposit base, so they only need to choose the ones that meet their own economic conditions.
But for on-the-job employees, the pension is actually related to the enterprise to which they belong. On-the-job employees use their actual income as the deposit base. Only when their actual income is less than 61% of the average monthly income of employees in the previous year, or when their actual income is higher than 311% of the average monthly income of employees in the previous year, can they use 61% or 311% of the average monthly income of employees in the previous year as the deposit base, which only needs to be higher than 61% or less than 311% of the average monthly income of employees in the previous year.
However, the actual income of an individual is closely related to the salary of his city and industry. For example, in Chongqing, the employment of students in restaurants in urban areas is different from that of students in restaurants in counties. Similarly, the wages in processing manufacturing, financial industry, information technology industry and oligopoly market are not exactly the same. If the actual income of an individual is used as the deposit base, the deposit base in various fields will be very low, and the pension insurance will be relatively low in the future.
as we can see from the industry wages released by Chongqing in 2117, because this figure is in 2117, although it will increase gradually afterwards, the structural characteristics of industry wages will not change greatly. From the perspective of industry categories, the three areas with the highest average annual salary are the financial industry, which is 1.23836 yuan, which is 1.75 times the average of our city; Data communication, software information technology service industry 112143 yuan, 1.58 times the average of our city; The scientific research and technical service industry is 112239 yuan, which is 1.44 times the average of our city.
The three areas with the lowest annual average wage are 38,974 yuan in accommodation and catering industry, which is 55.1% of the average in our city. Residents' service, maintenance and other service industries are 47,979 yuan, which is 67.7% of the average in our city; The rental and commerce industry is 48,456 yuan, which is 68.4% of the average in our city. The ratio of the largest field to the least field of the annual average wage is 3.18.
According to the structure salary of Chongqing industry, the hourly salary of employees in financial industry, information technology industry, scientific research and technical service industry is very high, and their contribution base is also very high, so is the pension insurance after retirement. At the same time, employees in hotels, hotels, restaurants, leasing and commerce, residents' service and maintenance have low hourly salary and low deposit base, so the pension insurance for employees after retirement in this field is also very low.
Generally speaking, although the amount of pension has a certain relationship with the field, it is closely related to the city where it is located and the form of ownership. Different types of fields, different types of regions and different types of ownership forms have different salaries at work and different payment bases, and the pension insurance after retirement is also very different. Naturally, from the perspective of enterprises, employees in hotel accommodation, catering service, commerce and trade, residential service and other fields have the lowest old-age insurance premiums because of their low wages and low payment base, coupled with the unstable employment of students in this field and the short payment period.