編輯同志:
我們是一家公(gong)(gong)司(si)的(de)員(yuan)工(gong)(gong)。公(gong)(gong)司(si)對全(quan)體員(yuan)工(gong)(gong)住房(fang)公(gong)(gong)積(ji)金的(de)繳(jiao)存都是按照員(yuan)工(gong)(gong)本人上一年度月(yue)平均工(gong)(gong)資的(de)10%計算。可近(jin)日公(gong)(gong)司(si)未(wei)經我們同意，也未(wei)經過員(yuan)工(gong)(gong)大(da)會或代(dai)表會議討論，就(jiu)宣布因(yin)為生產效益嚴重下滑，決(jue)定將每位員(yuan)工(gong)(gong)的(de)住房(fang)公(gong)(gong)積(ji)金繳(jiao)存比例降低至5%，繳(jiao)存基(ji)數仍為上一年度月(yue)平均工(gong)(gong)資。請(qing)問，公(gong)(gong)司(si)有權私自降低員(yuan)工(gong)(gong)住房(fang)公(gong)(gong)積(ji)金的(de)繳(jiao)存比例嗎?讀者(zhe)曾春蘭(lan)等
曾春蘭等讀者:
住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)是指單(dan)位(wei)及其(qi)在職(zhi)(zhi)職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)共同繳(jiao)(jiao)(jiao)存的(de)職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)長期住(zhu)(zhu)房(fang)儲(chu)金(jin)(jin)。它有(you)兩部(bu)分(fen)(fen)(fen)來源，一(yi)部(bu)分(fen)(fen)(fen)是職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)所在單(dan)位(wei)繳(jiao)(jiao)(jiao)存，另一(yi)部(bu)分(fen)(fen)(fen)是職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)個(ge)人繳(jiao)(jiao)(jiao)存。職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)個(ge)人繳(jiao)(jiao)(jiao)存部(bu)分(fen)(fen)(fen)由單(dan)位(wei)代扣后(hou)，連同單(dan)位(wei)繳(jiao)(jiao)(jiao)存部(bu)分(fen)(fen)(fen)一(yi)并存到住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)個(ge)人賬戶內(nei)。國務院(yuan)《住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)管理(li)條(tiao)例(li)(li)》第(di)16條(tiao)、第(di)18條(tiao)分(fen)(fen)(fen)別規(gui)定:“職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)的(de)月繳(jiao)(jiao)(jiao)存額為職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)本(ben)人上(shang)一(yi)年(nian)度(du)月平均(jun)工(gong)(gong)(gong)(gong)(gong)資(zi)乘以(yi)職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)繳(jiao)(jiao)(jiao)存比(bi)(bi)例(li)(li)。單(dan)位(wei)為職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)存的(de)住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)的(de)月繳(jiao)(jiao)(jiao)存額為職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)本(ben)人上(shang)一(yi)年(nian)度(du)月平均(jun)工(gong)(gong)(gong)(gong)(gong)資(zi)乘以(yi)單(dan)位(wei)住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)繳(jiao)(jiao)(jiao)存比(bi)(bi)例(li)(li)。”“職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)和(he)單(dan)位(wei)住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)的(de)繳(jiao)(jiao)(jiao)存比(bi)(bi)例(li)(li)均(jun)不得低于(yu)職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)上(shang)一(yi)年(nian)度(du)月平均(jun)工(gong)(gong)(gong)(gong)(gong)資(zi)的(de)5%;有(you)條(tiao)件(jian)的(de)城市(shi)(shi)，可以(yi)適當提高(gao)繳(jiao)(jiao)(jiao)存比(bi)(bi)例(li)(li)。具體繳(jiao)(jiao)(jiao)存比(bi)(bi)例(li)(li)由住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)管理(li)委(wei)員會擬訂，經(jing)本(ben)級(ji)人民政(zheng)府(fu)審核(he)后(hou)，報省、自(zi)治區、直轄市(shi)(shi)人民政(zheng)府(fu)批準(zhun)。”
鑒于(yu)住(zhu)房(fang)公(gong)積金(jin)(jin)(jin)是(shi)單位向勞(lao)動者提(ti)供的(de)購房(fang)資助(zhu)，只要(yao)沒有低(di)于(yu)5%的(de)繳(jiao)(jiao)(jiao)存比例(li)(li)(li)，單位有權(quan)(quan)根(gen)據自身實際情(qing)況自主調整。只有在單位逾(yu)期(qi)不繳(jiao)(jiao)(jiao)或者少繳(jiao)(jiao)(jiao)的(de)情(qing)況下，住(zhu)房(fang)公(gong)積金(jin)(jin)(jin)管理中心才可以(yi)責令單位限(xian)期(qi)繳(jiao)(jiao)(jiao)存。因此，你(ni)(ni)公(gong)司的(de)做法(fa)(fa)并(bing)(bing)無(wu)不妥:一方面，其(qi)降低(di)繳(jiao)(jiao)(jiao)存比例(li)(li)(li)，雖然未經你(ni)(ni)們同(tong)意，也未經過員(yuan)工大會(hui)或代(dai)表會(hui)議討論(lun)決(jue)定(ding)，但(dan)源(yuan)于(yu)生(sheng)產效益(yi)嚴(yan)重下滑，導致資金(jin)(jin)(jin)周轉(zhuan)出現困(kun)難，屬于(yu)行使自主權(quan)(quan)的(de)范圍之列。另(ling)一方面，員(yuan)工的(de)繳(jiao)(jiao)(jiao)存基數并(bing)(bing)沒有發生(sheng)改變(bian)，5%的(de)繳(jiao)(jiao)(jiao)存比例(li)(li)(li)也沒有低(di)于(yu)法(fa)(fa)定(ding)的(de)限(xian)額(e)。因此，公(gong)司的(de)做法(fa)(fa)并(bing)(bing)無(wu)不當。（源(yuan)于(yu)普法(fa)(fa)網）
