How does the company pay the provident fund: hot topics and structured guide on the Internet in the past 10 days
Recently, the issue of provident fund payment has once again become a hot topic in the workplace. Especially with the adjustment of local policies and the increase of new employees, many corporate HR and entrepreneurs have questions about the provident fund payment process. This article will combine the hot discussions on the Internet in the past 10 days and explain in detail the entire process of the company's provident fund payment in the form of structured data.
1. Top 5 hot provident fund-related topics in September 2023
| Ranking | Topic content | Search volume (10,000) |
|---|---|---|
| 1 | New Regulations on Provident Fund Base Adjustment | 28.5 |
| 2 | Provident fund reduction and exemption policy for small and micro enterprises | 19.2 |
| 3 | Transfer and continuation of provident fund in different places | 15.7 |
| 4 | Provident Fund back payment process | 12.3 |
| 5 | Provident fund online processing channel | 10.8 |
2. The whole process of the company’s provident fund payment
1. Preparation materials for account opening
| Material name | Remarks |
|---|---|
| Copy of business license | Official seal required |
| Legal person ID card | Copies of front and back |
| Official seal of the unit | On-site filing for use |
| Copy of employee ID card | The first batch of insured persons |
2. Deposit ratio standards (latest in 2023)
| area | Unit scale | personal ratio |
|---|---|---|
| Beijing | 12% | 12% |
| Shanghai | 7% | 7% |
| Guangzhou | 5%-12% | 5%-12% |
| Shenzhen | 5%-12% | 5%-12% |
3. Processing time points
| matters | Deadline |
|---|---|
| Add new employees | Before the 25th of every month |
| Provident fund payment | Before the 15th of the following month |
| base adjustment | every July |
3. Solutions to common problems
Q1: How to calculate the provident fund payment amount?
Calculation formula:Monthly payment amount = payment base × unit ratio + payment base × individual ratio. For example, if an employee in Beijing has a monthly salary of 10,000 yuan, and the employer and individual each contribute 12%, the total monthly contribution will be 2,400 yuan.
Q2: What will be the consequences if you forget to pay?
According to the "Housing Provident Fund Management Regulations", late payment will be charged on a daily basis.0.05% late payment fee, three consecutive months of non-payment may affect the company's credit rating.
4. New changes in provident fund policies in 2023
1.Inter-provincial serviceThe service covers the whole country, and the transfer to other places can be completed online
2. Pilot projects in some citiesFlexible employment staffVoluntary deposit
3. Open in multiple placesProvident fund "withdrawal on a monthly basis"Rental repayment function
5. Expert advice
1. It is recommended for enterprises to adoptOnline provident fund management system, to avoid manual errors
2. Pay attention every JulyLocal deposit base upper and lower limitsAdjustment notification
3. When onboarding new employeesSimultaneous processing of provident fund increase, to avoid missed payments
It can be seen from the above structured data that enterprises need to focus on three dimensions: material preparation, proportion selection and time nodes when paying provident funds. It is recommended that the HR department establish standardized operating procedures and regularly participate in training organized by the provident fund management center to ensure compliance operations.
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