Seafood business is booming, but because some seafood products are expensive and the import and transportation costs are high, some lawless elements aim at another "way to get rich" and gain benefits through smuggling.

　　A few days ago, the Anti-smuggling Bureau of Beijing Customs seized a family-run smuggling criminal gang headed by Hong Moge. Hong’s smuggling gangs have been smuggling frozen seafood from South America, Vietnam and other overseas areas for a long time to sell in China, seeking illegal benefits, and the amount is huge. Beijing Customs decided to close the net against Hong’s smuggling gang. At 7 o’clock in the morning, the sky was still dark. The police came to the residential area where the suspect lived. Because they didn’t understand the situation inside the house, the police decided to enter the unit building first to explore.

　　Hong Tao (a pseudonym) is the eldest son of Hong Moge, the principal criminal of the Hong smuggling gang. At present, Hongmou Pavilion has almost retired behind the scenes, and Hong Tao has taken over the smuggling gang. Hong’s smuggling gang members are family-run crimes, with six strongholds throughout the country. On the day of the arrest, Beijing Customs, together with other provinces, cities and customs offices, wiped out Hong’s smuggling gang, arrested 15 suspects and seized and sealed more than 20 tons of frozen seafood, with a case value exceeding 200 million yuan. A few days ago, this smuggling case was heard in public in the Beijing No.4 Intermediate People’s Court. More than a dozen defendants were either father and son, husband and wife, or relatives. This also opened the inside story of the rise and fall of this smuggling family.

　　Hong Moge, 56, is not only the leader of the Hong family, but also the pioneer of the family business. Among all commodity categories, the profit of imported aquatic products is higher, and Hongmou Pavilion has gradually locked its business in it. After more than ten years’ operation, Hongmouge has become a big seller of imported shrimp in the industry, and buyers from all over the world have found Hongmouge one after another, because the imported shrimp in Hongmouge is of good quality and low price. The key to lower prices is that Hongmou Pavilion has a "golden waterway" for purchasing goods.

　　Residents who live near the border and meet the requirements are called border residents. The border trade policy is a beneficial policy for China to promote the healthy development of border trade and prosper border economy. In this way, Hongmou Pavilion used the border people to transport imported shrimps into China and then distribute them to all parts of the country, thus successfully escaping import duties and value-added tax. Hong Moge knows that this kind of behavior is illegal, so he has been looking for ways to avoid the blow and ensure the continuation of the family smuggling business.

　　The smuggling territory is getting bigger and bigger, and Hong Moge began to think about successors. Smuggling, illegal and profitable, Hong Moge identified his eldest son Hong Tao (a pseudonym) as the first successor. The smuggling behavior of the Hong family has attracted the attention of the Customs Anti-smuggling Bureau. According to the investigation, during the four years from 2015 to 2019, the smuggling gang in Hongmouge smuggled 498 containers of aquatic products into the country through the process of breaking up the frozen shrimp, and the tax evasion amounted to more than 59.6 million yuan. At the time of the crime, Hong Moge and his two sons, as well as his daughter-in-law and brother-in-law, were all arrested, and the smuggling business of the Hong family stopped.

　　Over the years, Hongmou Pavilion has worked hard and accumulated huge wealth, and the whole family has purchased many properties in Beijing. The Beijing No.4 Intermediate People’s Court found that the defendant Hong Moge was guilty of smuggling ordinary goods, sentenced to 13 years in prison and fined 15 million yuan; His son Hong Tao was sentenced to 10 years in prison and fined 3 million; The remaining ten people were also punished accordingly. After the trial, Hong Moge, who was over half a century old, expressed such feelings. Tax is taken from the people and used by the people. The purpose of taxation is to ensure the normal operation of the country. Whether it’s Hongmou Pavilion, which smuggled imported aquatic products to avoid paying customs duties, or Weiya, the queen of goods, who was previously fined 1.341 billion yuan, who evaded taxes, she will definitely be punished.

　　Reporter: Wang Jing Camera: Liu Hang

Calculation method and standard of three insurances and one gold

Before understanding the calculation of three insurances and one gold, let’s make clear the contents of three insurances and one gold. Three insurances usually refer to endowment insurance, medical insurance and unemployment insurance, while one gold refers to housing accumulation fund.

The calculation of endowment insurance is mainly based on the individual’s salary base and contribution ratio. Generally speaking, the unit contribution ratio is about 16%, and the individual contribution ratio is 8%. Suppose your monthly salary is 8,000 yuan, then the unit will pay about 1,280 yuan (8,000× 16%) for your old-age insurance, and the individual will pay about 8,000× 8% for your old-age insurance.

The calculation of medical insurance is also related to the salary base. The unit contribution ratio is usually around 8%, and the individual contribution ratio is 2%. Taking the monthly salary of 8,000 yuan as an example, the unit pays about 640 yuan (8,000× 8%) and the individual pays about 160 yuan (8,000× 2%) every month.

The contribution rate of unemployment insurance is relatively low, the unit contribution rate is generally about 0.5%, and the individual contribution rate is 0.5%. Similarly, taking the salary of 8,000 yuan as an example, the unit pays about 40 yuan (8,000× 0.5%) and the individual pays about 40 yuan (8,000× 0.5%) every month.

The deposit ratio of housing provident fund is between 5% and 12%, and the deposit ratio of units and individuals is the same. Assuming that the deposit ratio is 10% and the monthly salary is 8,000 yuan, each unit and individual will pay 800 yuan (8,000× 10%) each month.

In order to show the calculation method of three insurances and one gold more clearly, the following is a simple table:

It should be noted that the above payment ratio and calculation method are only a general reference, and the specific ratio and calculation standard may be different due to factors such as regional and unit policies. In addition, the payment base also has upper and lower limits, which are generally determined according to a certain proportion of the local average social wage in the previous year.

In the actual calculation of three insurances and one gold, you can consult the human resources department of your unit or the local social security department to obtain the most accurate information and calculation results.

In a word, it is of great significance to understand the calculation method of three insurances and one fund for protecting one’s rights and interests and planning personal finance.

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