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上海人才类居住证的秘密(转载)

从上海市政府一推出之初,就一直宣传持有上海人才类居住证,可以享受上海同等市民待遇,那既然可以享受上海高等市民待遇,那市政府为何不直接给那些“人才”以户口呢,而是只给居住证。通过下面的比较,你就不难看出上海市政府的良苦有心了。

持有上海市人才类居住证,用工单位就得为那些外地人来沪的“人才”交纳四金,可以享受上海市民同等待遇,听起来确实非常诱人。四金主要保括养老,医保,失业,公积金(还有工伤,生育由于比例较小,且个人不交费,这里不累述)

第一项, 养老,这个问题是最让上海市政府头疼的问题,因为现在上海老龄化问题尤其突出,再加上以前的历史问题,这部分老人中有很多人自已都没有交纳过养老金,那这部分人这么办呢?现在在职职工养老金交纳,单位承担22%(计入社会统筹),个人承担8%(计入个人帐户),这样的记帐方式,对本地人而言,是无可厚非的,而对居住证持有者来说,就苦了,因为你退休后,不可能持有上海市才类居住证,就算由于特殊原因持有,按现有的规定,也不可以在上海办理退休,按居住证制度,你只能转回原户口所在地,而转回部分只是你个人交纳部分8%,单位为你所交纳大块部分22%,只能留上海,作为上海的社会统筹,光这一项,就能算出,外地人为上海市政府作了多少贡献,另外一方面,也可以算出你的转回原籍,又给自已的家乡增加了多少负担(因为你没有为自已的家乡作出多少贡献,却要回来养老)。

第二项, 医保,单位承担12,个人交纳2%,同样方法,单位交纳的12%计入社会统筹,而只有2%计入个人帐户,这项呢,在上海工作期间还算是实际有用的,但事实上,你这个期间生病的概率应该较小。而在你退休后待到体弱多病时,你唯一的选择是,你的医保也只能转回原籍,同样,你也只能转出你自已交纳的2%,单位为你交纳的12%,也就只能为上海作贡献啦,同样,你又要给自已的家乡增加一份负担。

第三项, 失业保险单位交纳2%,个人承担1%,按上海目前的居住证制度,你基本是不能享受的,交了也白交(因为如果你失业,你就不可能持有居住证,而在上海的人才类居住证中70%以上都是一年期的),而没有居住证,你就不可能享有失业待遇。

第四项, 公积金,单位与个人各交7%,且全部计入个人帐户,只要你想在上海买房就可以100%的享受,这一项是唯一对外地人有实际意义的待遇。不过本项不是强制性的,因为现在的法律没有强制单位一定要为你交公积金,单位有权选择是否给你交,这项待遇得看你的就业运气了。

尾语: 现在的上海本地人和外地人的就业比例都快近3:2,每5个就业者就有两个外地人,那么外地人还有一项为上海所作的最大一个贡献,就是税收,也就是在上海每年的税收中有近40%是外地人所创造,这也是上海越来越繁华的原因之一。看完这些,你应该不难想像出上海市府的良苦有心了吧,一句话 “你的付出上海是需要的,你的负担还是推回你老家去”这就是居住证比户口的好处,这也是上海市府热推居住证的原因,并且推广范围已经加大至民工,因为民工相对于人才,是一个更大的群体,更有利可图,这也是为什么市府规定民工要办居住证,前题必许是你已经交纳过综合合保险的原因。(本来居住证只是一个居住证明,根本就没有必要与交保险挂勾的)

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