In today’s society, it is very important to understand the calculation method of three insurances and one gold and its related regulations for personal financial planning.

First of all, let’s understand that "three insurances and one fund" usually include endowment insurance, medical insurance, unemployment insurance and housing accumulation fund.

The calculation of endowment insurance is usually based on the individual’s salary base and contribution ratio. Taking an area as an example, assuming that the salary base of an individual is 5,000 yuan and the contribution ratio is 8%, then the monthly pension insurance fee that an individual needs to pay is 5,000× 8% = 400 yuan.

The payment calculation of medical insurance is similar, and the general individual contribution ratio is 2%. If the salary base is still 5,000 yuan, the individual’s monthly medical insurance payment is 5,000× 2% = 100 yuan.

The contribution rate of unemployment insurance is relatively low, usually around 0.5%. According to the salary base of 5,000 yuan, the individual’s monthly unemployment insurance contribution is about 5,000× 0.5% = 25 yuan.

The contribution ratio of housing provident fund is between 5% and 12%. Assuming that the contribution ratio is 10% and the salary base is 5,000 yuan, the individual’s monthly contribution to housing provident fund is 5,000× 10% = 500 yuan.

The following is a simple table to summarize the above calculations:

These regulations have a direct impact on personal income. First of all, the three insurances and one gold paid by individuals will be directly deducted from the salary, resulting in a decrease in the actual salary. But in the long run, this part of the payment provides an important guarantee for the individual’s future.

The payment of endowment insurance ensures a stable pension income after retirement and guarantees the quality of life in old age. Medical insurance can reduce the burden of personal medical expenses when you are sick. Unemployment insurance can provide financial support for a certain period of time when unemployed. Housing provident fund helps individuals to enjoy lower loan interest rates or withdraw housing-related expenses when buying a house.

However, for some people with lower income, the higher proportion of three insurances and one gold payment may cause some pressure on the current life. However, from the perspective of overall social welfare and personal long-term interests, the system design of "three insurances and one fund" is to realize social equity and protect the basic rights and interests of individuals.

In short, a deep understanding of the calculation and regulations of three insurances and one fund will help individuals to plan their finances better and fully enjoy the benefits brought by social security.

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Chip, optical fiber and optical cable are the hardware foundation of today’s information-based, intelligent and networked society, and electronic-grade quartz sand with purity of 99.999% is the basic raw material for manufacturing chip, optical fiber and optical cable. For a long time, China’s electronic grade quartz sand has relied on imports. Breaking the "ceiling" of 80% purity of domestic mainstream quartz sand, breaking foreign technical barriers and solving the "stuck neck" problem … Xie Dachun, technical director of Jiangsu Xinyiding Shi Ying Science and Technology Co., Ltd., did not stop, still buried himself in the laboratory all day, holding his sleeves, and continued to seek breakthroughs in quartz sand raw materials whose purity has reached the world’s top level.

"Ingenuity is the determination to break through and the patience to study."

On the afternoon of April 3rd, in the roasting workshop of Jiangsu Xinyiding Shi Ying Science and Technology Co., Ltd. in Shuyang County, Suqian City, a "big guy" connected with a huge water tank was rising with white steam, which was a "unique weapon" for enterprises to purify quartz sand. This reformed equipment led by Xie Dachun won the national invention patent.

In the purification process of quartz sand, many impurities are micron-sized and need to be treated by cold explosion. That is, using the principle of thermal expansion and cold contraction, high-temperature quartz sand is put into cold water to burst, so as to achieve the effect of separating impurities. However, as soon as the high-temperature quartz sand enters the water, the cold water becomes boiling water, and the effect of cold explosion is greatly reduced. Many domestic technical teams are stuck in the "cold explosion" level.

"In those years, I walked repeatedly in my mind to do simulation tests, and finally I had this machine." Xie Dachun said that a few years ago, he happened to pass by a popcorn stand. At that time, the sound of popcorn startled him, but it was this "bang" that reminded him of the solution of "cold explosion" technology from the production principle of popcorn. Then, he immediately rushed back to the company and took his colleagues to discuss. Finally, he invented the current dynamic roasting and cold explosion technology: in a quartz tube with a constant temperature of 930℃, Shi Ying blocks were continuously put in, and during the falling process, they were evenly heated to complete the cold explosion.

In the following years, Xie Dachun and the company constantly improved their equipment in the process of updating their production technology, and only the equipment for producing electronic-grade quartz sand was updated for more than ten times, finally achieving self-sufficiency of electronic-grade quartz sand.

The reporter noticed that there are not many operators in such an important roasting workshop, and a large number of operation links have been replaced by hanging rails and electric cranes. Workers only need to control them remotely. "This is also a bitter credit! In the traditional process, there is a great demand for workers in the roasting workshop, and at the same time, because of the high temperature, workers are easily burned if they are improperly operated, so the turnover rate is very high. " Wang Wei, the production director of the company, told the reporter that at that time, when the company was troubled by this "industry problem", Xie Dachun took the task without saying anything.

In the next three months, Xie Dachun "closed the door" in the workshop and kept researching and experimenting all day. There were more than 500 drawings drawn alone. After repeated experiments for more than 260 times, we finally found such a "machine substitution" method, which solved the production problem satisfactorily and thoroughly. Now this method has been widely used in the whole industry.

"I am a farmer, and I failed in the college entrance examination. Even when I entered the business, I only had some electrician foundation, so as long as I am willing to study, I can always find a solution to the problem." Xie Dachun told reporters that he is a veritable "soil expert". All scientific research achievements and invention patents were explored in workshops and laboratories, and this experience also reflected his understanding of "ingenuity": the determination to break through and the patience to study.

"Social terrorism" experts break the technical blockade

Xie Dachun has a dazzling "report card": in the past 30 years, he has won more than 20 national, provincial and municipal scientific and technological innovation achievement awards and science and technology awards, and has more than 100 invention patents and utility model patents, among which five scientific and technological achievements such as "domestic preparation technology of electronic quartz sand" have filled the domestic gap and reached the international advanced level.

Due to the particularity of the industry, electronic quartz sand is mainly used in high-tech fields such as semiconductors, electrical and electronics, aerospace, national defense and military industry. "For a long time, the purification technology of electronic grade quartz sand has been firmly stuck in foreign countries. Because of technical barriers, the previous domestic quartz sand products can only be used in some low-end products such as halogen lamps, and they can’t touch the threshold of high-end market at all." Director Wang Wei told the reporter that even the leading domestic companies, with the same foreign equipment, have only got the "admission ticket" to the high-end market, and for a long time, 80% of the purity of the domestic mainstream quartz sand products industry has been "ceiling".

Due to the high cost of R&D, many manufacturers have no choice but to give up and import from abroad at a high price of nearly 100 times after entering a "dead end" again and again, but Xie Dachun has been insisting.

"Increase 80% to 99%, and then increase the’ 9′ after the decimal point of 99.9% to three, five or even more, and each step will take three years or more to try and make mistakes." Liang Haidong, Xie Dachun’s apprentice, said that for this goal, Xie Dachun has become the most "social fear" person in the company: in the past 20 years, he has been eating and living in the laboratory, and rarely has any work-related communication with outsiders.

"Striving for Excellence and pursuing the ultimate" is a feature that Xie Dachun once exhorted and taught Liang Haidong more than once, and it is also the best embodiment of Xie Dachun’s "artisan spirit". With the ingenuity of this craftsman, he has endured loneliness for more than 20 years, and has successfully developed a number of high-efficiency, energy-saving and environmentally-friendly mechanical and electrical equipment. More than 20 new products have been widely used in high-tech fields such as semiconductor integrated circuits, aerospace satellite testing, and fiber-optic chip manufacturing for national defense and military industry.

In 2021, Jiangsu Xinyiding Company solved the purification problem of electronic grade quartz sand and became the only enterprise in China that can improve the purity of quartz sand to "six 9s".

Over the years, under his example, more than 300 people have grown into the technical backbone of Shi Ying products manufacturing industry and become a new force to promote technological innovation of enterprises in the industry.

The industrial craftsman "Jin Gangzuan" brought in income of nearly 3 billion yuan.

Replace the old baking oven with a new intelligent baking oven with automatic temperature control, popularize the use of frequency conversion governor for automatic speed regulation, and automatically control the continuous melting furnace with laser controller …

During the interview, Chen Qiong, general manager of Jiangsu Xinyiding Shi Ying Science and Technology Co., Ltd., pointed to the equipment in various production workshops from time to time and proudly told reporters that these were the results of the company’s independent research and development or improvement, most of which were attributed to Xie Dachun.

Ingenuity brings prosperity to all industries. "Every industrial craftsman is a’ Jin Gangzuan’ that will never change in the high-quality development of enterprises!" Chen Qiong sincerely said that thanks to Xie Dachun’s continuous technological innovation for many years, numerous innovations have brought direct or indirect benefits of nearly 3 billion yuan to enterprises, and its social and economic benefits are obvious to all.

In the development layout of enterprises in recent years, Jiangsu Xinyiding Shi Ying Science and Technology Co., Ltd. has invested heavily in its own scientific and technological innovation and project research and development, and successively acquired a number of surrounding enterprises. On the basis of lengthening the original industrial chain, it opened a separate research and development workshop, and appointed Xie Dachun to continue to set up a technology research and development team to strengthen the scientific research strength of enterprises and enhance their core competitiveness.

"Use new products and innovative technologies to save enterprises and reduce the burden on society." In Xie Dachun’s view, this is not only a technician’s obligation to society, but also an inevitable requirement for the development of modern industrial system. At this year’s National People’s Congress, new quality productivity and craftsman spirit have become hot topics together, and the close relationship between them is self-evident. He said that at present, it is an excellent stage for high-skilled talents to display their fists and feet, and he will also strive to lead his colleagues to forge a hard-working style of Excellence and diligent study, and strive to move closer to "knowledge-based, skilled and innovative" craftsmen in big countries.

Planning Wang Xiaoying

Text Sun Xuhui

[technology circle]

Yu Chengdong responded to being called Yu Dazui.

According to reports, in the latest CCTV "Meet Big Coffee" program, Yu Chengdong, CEO of Huawei terminal BG, responded that he was called "Yu Dazui" by netizens, saying that bragging is not to leave a way out for himself, not to be modest, but to have a goal to draw everyone. Tianyancha App shows that "Yudazui" has been registered as a trademark by an electronic technology company in Dongguan and a trading company in Shijiazhuang. The two trademarks were applied in September 2019 and November 2020, respectively. The international classification is advertising sales and convenience food. At present, they have all been registered successfully.

Microsoft and the London Stock Exchange Group reached a 10-year cooperation agreement and will acquire a 4% stake.

According to foreign media reports, Microsoft and the London Stock Exchange Group have reached a 10-year strategic partnership agreement on the next generation data and analysis and cloud infrastructure, and will acquire about 4% of the latter. Microsoft announced on Monday that it would acquire the shares held by a consortium composed of Blackstone and Thomson Reuters. Scott Guthrie, Microsoft’s executive vice president in charge of cloud and artificial intelligence, will be appointed as a director. (Interface)

Internet

Taobao opens digital RMB payment in batches.

On the afternoon of December 12th, a column of "Digital RMB" was added to the Taobao APP commodity settlement page, and users can choose digital RMB for settlement during the transaction. At present, this function is being opened to consumers in batches. It is reported that Taobao’s digital RMB settlement function is mainly realized by downloading the new version of the digital RMB APP, opening the wallet and binding Alipay. (Cailian)

Dingdang Express Medicine responded to the online rumor that "medicine is not sold": all medicines must be accepted and put into storage before they can be sold.

On the evening of December 12, @ Dangdang Express Medicine issued a document saying that according to the relevant provisions of the Drug Administration Law, all drugs must be accepted and put into storage before they can be sold; The consumer broke into the store because he was in a hurry to buy medicine, but the store was unable to sell him because it was preparing for warehousing before business. The consumer was emotional and filmed the video and uploaded it to various online platforms. Dingdang Kuaiyao said that in view of the current shortage of epidemic prevention-related drugs, the company is actively docking with major upstream manufacturers, making every effort to increase drug procurement and supply, and doing its best to ensure drug supply.

SF responded that "the system crashed": it was verified that the system was abnormal and has now returned to normal.

On December 12th, Weibo, the official of SF Express Group, issued a document saying that some users’ SF Express clients were slow to place orders, which was verified as abnormal system. After emergency repair, they have now returned to normal, and we are deeply sorry for the inconvenience.

"Tencent meeting collapsed" rushed to the hot search, official response: network problem.

On December 12th, "Tencent meeting collapsed" rushed to the hot search. In this regard, Tencent Conference responded in Guanwei: Due to network failure, some users’ membership was affected. At present, the service has been restored, causing inconvenience. I am very sorry.

JD Health launches Internet fever clinic.

On December 12th, JD Health upgraded the "Epidemic Prevention Care Clinic" area, and launched the "Fever Clinic" service, providing users with 7×24 hours of consultation, prescription, drug purchase, medication guidance and other services related to Covid-19 infection. (Securities Times)

[Car ring]

Geely declined to comment on the news that its company Krypton has applied for an IPO in the United States.

On December 12, it was reported that Geely’s high-end electric vehicle brand Kyk-kyung had applied for an IPO in the United States, and planned to raise more than $1 billion, and Kyk-kyung sought a valuation of more than $10 billion, which would be the first large Chinese company listed in the United States for more than a year and a half. In this regard, Geely Automobile officials declined to comment on the Shanghai Securities Journal reporter. (SSE)

Contemporary Amperex Technology Co., Limited subsidiary shares in Chery Holdings.

Recently, Chery Holding Group Co., Ltd. has undergone industrial and commercial changes, and its shareholders have added Ningbo Meishan Bonded Port Area Winning Investment Co., Ltd., with a shareholding ratio of 3.73%. The reporter inquired about the industrial and commercial information and found that the company is a wholly-owned subsidiary of Contemporary Amperex Technology Co., Limited. However, as of press time, neither Contemporary Amperex Technology Co., Limited nor Chery responded to this changes in equity.

Weilai’s 300,000th mass production car rolled off the assembly line.

According to Weilai Guanwei, the 300,000th production car of Weilai rolled off the assembly line at Weilai Second Advanced Manufacturing Base on December 12th.

Withdraw from the China market? Skoda’s response: No decision has been made.

Recently, foreign media reported that Skoda Automobile, a Czech automobile manufacturer owned by audi ag, is considering withdrawing from China and will make a final decision next year. In this regard, Skoda said that the company has not yet made any decision on the necessity of adjusting its strategy. (Zhongxin Jingwei)

It is reported that Toyota will outline the strategic adjustment of electric vehicles to suppliers in the next three years.

Reuters reported on December 12th that Toyota Motor Corporation is expected to outline its strategic adjustment of electric vehicles to major suppliers by early next year. Toyota’s strategic changes may include postponing some electric vehicle development projects originally planned for three years. (Interface)

[Big consumption]

For every 10 shares, 10 yuan and Gree Electric plan to pay dividends of over 5.5 billion yuan in the medium term.

Gree Electric announced that the net profit in the first half of this year was 10.13 billion yuan, and the profit available to shareholders was 5.96 billion yuan. It is planned to distribute a cash dividend of 5.54 billion yuan to all shareholders for every 10 shares (including tax).

[Financial Street]

Xiamen International Bank’s Response to "Consideration of HK$ 1.3 billion IPO": False News

Recently, some media reported that Xiamen International Bank was reportedly considering a $1.3 billion Hong Kong IPO. In this regard, Xiamen International Bank responded that the rumors are false news. At present, Xiamen International Bank still focuses on financial services to help the real economy and seeks long-term high-quality development. The information about Xiamen International Bank is subject to the official announcement of the bank. (The Paper)

Pharmaceutical industry

N95 masks are selling well, and many companies respond to the relevant business layout.

With the popularity of N95 masks, many companies have responded to the related business layout. Among them, ENKE Medical said that N95 masks are on sale, but they may be in the state of pre-sale recently. Masks are only a part of the company’s business products. At present, the annual production capacity of masks is about 100 million, and the main business is still disposable gloves. Huaren Pharmaceutical said that N95 masks are produced, but the proportion of business is not very high, and the impact on performance may not be great.

Guizhou Bailing: Product orders are queued for delivery, and the company produces 24 hours a day.

Guizhou Bailing said that the demand for cold drugs in the country is increasing, and the market is in short supply. At present, the company’s product orders are in a state of waiting in line for delivery. In terms of sales volume, the sales volume of the company’s core products has increased significantly recently, and the sales volume of Kesu Stop Syrup and Xiaoer Chaigui Antipyretic Granules are among the top. In terms of production capacity, since October this year, the company has started full-load production. Compared with the same period last year, the production capacity of the company’s core drugs has increased to varying degrees. Among them, Miao medicine "Kesu Stop Syrup" has doubled, and its production capacity has reached 350,000 bottles/day. (The Paper)

Jiu ‘an Medical: At present, the price of antigen reagent has not changed, and it is uncertain whether to adjust the price in the future.

Recently, antigen detection reagents appear "a box is hard to find". The first financial reporter called Jiu ‘an Medical as an investor and learned that the company’s demand for antigen reagents in the near future is indeed relatively large, and the company’s output will be adjusted according to the order quantity. Regarding the price of antigen reagents, the company said that the current price has not changed. The domestic price of reagents for five people is 24.9 yuan, and it is not clear whether it will be adjusted in the future.

Abnormal operation of Chengdu Company, a subsidiary of Nuclear Gene: false disclosure of enterprise information.

According to the national enterprise credit information publicity system, Chengdu Nuclear Gene Technology Co., Ltd. was listed in the list of business anomalies by Chengdu High-tech Zone Market Supervision Administration for concealing the real situation and practicing fraud, and the date of listing was December 9, 2022. According to Tianyancha APP, the company was established in April 2017, with legal representative Zhang Hezhen and registered capital of RMB 5 million, which is wholly owned by Nucleon Gene. (Zhongxin Jingwei)

[real estate circle]

Xuhui intends to sell the property management company

On December 12th, Xuhui Holding Group announced that it intends to sell all shares of Xuhui Yongsheng Service held by the Group through bidding procedures, accounting for about 23.26% of the total issued share capital of the target company. As of the date of this announcement, Xuhui has officially invited potential bidders to bid for the relevant shares, and has started preliminary discussions on the bidding procedures, but has not yet concluded a legally binding agreement with any potential bidders.

Communication industry

The three major operators will delete the travel card user data

Today, three major operators, China Telecom, China Unicom and China Mobile, have indicated that they will delete the data related to the user’s itinerary simultaneously after the "communication itinerary card" service goes offline at 0: 00 on December 13th in accordance with relevant laws and regulations, so as to ensure the safety of personal information according to law.

More exciting content, all in the first financial APP.

Because he often talks big and crazy, Yu Chengdong has a nickname "Yu Dazui" in the IT circle. With the continuous deepening of Huawei in the automotive field, there is also a "big mouth" in the automotive circle.

Recently, Yu Chengdong, managing director of Huawei, CEO of BG, and CEO of BU, a smart car solution, said in an interview that "300,000 units are difficult. It is a miracle to sell 100,000 units and 200,000 units this year." When this statement came out, it immediately triggered a crowd of public opinion. Because not long ago, the news that he "challenged 300,000 vehicles in 2022, turned Tesla over in one year, soared in two years, and the annual sales quickly exceeded 2 million vehicles" was still circulating on the Internet.

The goal of "300,000 vehicles" has only been put forward for a quarter. Should we be happy for him to "wake up" so quickly, or feel uneasy for another "big mouth" in the automobile circle? After all, cars are not mobile phones.

Many years ago, Yu Chengdong made its loss-making mobile phone business a TOP brand in the global and China mobile phone industries step by step. This gave him the confidence to be a car, because in his eyes, both mobile phones and cars are consumer goods, and we should grasp the three elements of experience, quality and brand. But what he ignores is that in these respects, cars are one dimension higher than mobile phones. Otherwise, how can the industry spread the sayings of military, aerospace, vehicle regulation and consumer? Take the chip of Renesas as an example, it is said that the chip can work normally in the electrostatic environment with ambient temperature of -40℃~75℃, humidity of 95% and 15~25KV, and it is also required to have a shelf life of 20 years. Excuse me, which mobile phone chip have you seen that requires a 20-year warranty period?

The above is only the chip field where mobile phones and cars are relatively connected. In addition, there are qualitative differences between cars and consumer products in the fields of manufacturing, supply chain and after-sales. Therefore, it is obviously a lack of in-depth understanding and awe of the automobile industry to make a car with the mentality and experience of making a mobile phone. Otherwise, CAR Inc., Baoneng Automobile and Evergrande Automobile would not be here today.

At the moment when the car and the Internet are highly integrated, it is really necessary to break down the barriers in the circle and integrate innovation. Huawei has also repeatedly emphasized "helping car companies build good cars", but it "flies into the sky" at every turn, which is obviously less awe and more arrogance.