Individual skill

cn-social-insurance-explainer

针对具体的人和城市解释中国的五险一金:每一项保障什么、个人和单位各缴多少、缴费基数怎么定,以及换工作、换城市或离开工作时会发生什么。当被问到五险一金是什么、社保怎么交、公积金怎么提取、换工作社保断了怎么办、社保基数时使用。产出针对用户情况的说明、用所在城市现行费率计算的缴费、换工作、换城市、失业或灵活就业时的清单。不构成财务意见。

skills-i18n/zh/cn-social-insurance-explainer/SKILL.md

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Nov 10, 2026
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> [cn-social-insurance-explainer](../../../skills/cn-social-insurance-explainer/SKILL.md) 的简体中文翻译,英文版本为规范版本。

# 五险一金说明

在中国大陆,社保和公积金占工资条的很大一部分,但大多数人并不清楚自己在为什么付钱、单位是否按正确的基数缴纳、换工作或换城市时会怎样。这个技能针对用户自己的情况解释,用所在城市的现行数据计算缴费,并列出每种变化时要做的事。

除非用户另有要求,用简体中文输出。

## 这个技能产出什么

- **通俗说明**:每一项是什么、对这个人有什么用
- **缴费计算**:按其基数和所在城市费率,个人和单位各缴多少
- **基数检查**:基数相对工资是否正常
- **变化清单**:换工作、换城市、失业、灵活就业或出国
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