Sou Hu Cai Jing·2025-10-29 13:49Core Viewpoint - Meituan has announced that its rider pension insurance subsidy will be available nationwide, allowing all riders to choose to pay in their registered or working locations starting in November [1] Group 1: Policy Implementation - The subsidy policy for riders' social insurance was first piloted in Quanzhou, Fujian, and Nantong, Jiangsu, in April 2023, and has now expanded to a national level within six months [1] - The rapid implementation reflects intensified competition in the platform economy and increasing societal demands for platform companies to take on more responsibilities [1] Group 2: Coverage and Financial Implications - Meituan's model is based on "voluntary insurance participation by riders + platform subsidies," which allows for more flexible labor costs and encourages riders to opt for insurance [1] - The company has covered over 22,000 riders in the pilot regions, and with 745,000 riders earning income through orders in 2023, the potential annual subsidy for high-frequency riders alone could reach nearly 8 billion yuan, significantly impacting profits [3] Group 3: Challenges Ahead - The first challenge is how to establish a national subsidy standard, as the current model provides a 50% subsidy for riders meeting specific income criteria [3] - The second challenge involves addressing the needs of low-frequency riders, who make up 41% of the total, as their sporadic work patterns complicate social insurance contributions [4] - The third challenge is managing the transfer and continuity of social insurance across different regions, which is complicated by varying local policies and administrative processes [5] - The fourth challenge is to prevent the increased costs of subsidies from being passed on to consumers or riders, which could lead to reduced income for riders despite the benefits of social insurance [5]