中经评论：让平台经济承载更多民生温度

Core Points - Meituan is launching a nationwide pension insurance subsidy program for delivery riders starting in November, where the platform will cover half of the insurance costs for riders who meet certain income criteria [1][4] - The program aims to address the lack of pension insurance among riders, many of whom come from rural areas and may not have adequate retirement savings [1][4] - The initiative is part of a broader trend in the industry, with competitors like JD and Ele.me also exploring social security options for their riders [1][4] Group 1 - The program allows riders to purchase pension insurance if they have earned above the local social security contribution base for at least three months in the past six months [1] - For example, in Beijing, the minimum contribution base is 7,162 yuan, with the monthly pension insurance cost being 1,432.4 yuan, where Meituan subsidizes 716.2 yuan [1] - The implementation of this program is significant as it represents a nationwide effort to provide social security for riders, addressing long-term financial security concerns [1][4] Group 2 - The complexity of providing social security for riders is highlighted by the fact that over 7 million riders are registered on Meituan, with only about 10% being full-time [2] - Many riders view delivery work as a temporary job, leading to challenges in determining where and how their social security contributions should be made [2] - The financial burden on companies is substantial, with annual costs potentially reaching billions of yuan for these subsidies [3] Group 3 - The push for social security for riders is driven by market competition, as companies seek to retain riders and ensure service reliability during peak times [4] - Government policies are also influencing this trend, with regulatory bodies promoting the protection of rights for new employment forms and increasing participation rates in social security [4] - Meituan's approach of allowing voluntary contributions with platform subsidies is seen as a practical solution that respects rider preferences while encouraging participation [4]