明年财政的钱到底该怎么花？12月27日至28日，全国财政工作会议对此作出进一步部署。明年要扩大财政支出盘子，调整优化国补范 围和标准，促进居民就业增收，完善社会保障体系，财政的钱要更多用于促消费和民生保障。《新闻1+1》连线中央财经大学财税学 院教授白彦锋，带来分析解读。 明年国补政策的范围、力度会有什么样的变化？ 中央财经大学财税学院教授 白彦锋： 第一，2025年国补资金比2024年翻了一番，所以资金规模上，相信2026年资金规模还是值得期待的。 第二，补贴范围上，2025年已经从家电拓展到了电脑、手机这些数码类的产品，所以2026年各个地方也会因地制宜把补贴的范围向消 费领域进一步拓展。 第三，财政的贴息政策，不管是消费还是供给都实行了双贴息政策。下一步，地方政府在进行支出的时候，2026年也要考虑支出进 度，防止前松后紧。 从税收方面，个人所得税这些年有7项专项附加扣除。税前扣除增加了，老百姓税后可支配收入就会增加。 在社保方面，国家每年也会增加城乡居民的养老保险、社保的补贴标准。这样，老百姓花钱时，后顾之忧就会减少，社会保障网就会 兜实兜牢。 建立一个教育经费分配的新机制 意味着什么？ 白彦锋：这两 ...

截至10月，美团已为骑手全额缴纳新职伤保费超23亿，累计参保骑手近1600万人。近期，美团"骑手之 家"在全国新增落地200多座，美团在北京、上海、湖南、浙江、广西、辽宁、福建等多地的骑手之家和 站点，开设600多处骑手社保咨询服务窗口，现场解答骑手问题，收集意见和建议。（智通财经记者 范 佳来） 12月12日，智通财经记者获悉，12月起，在各地有关部门的指导和支持下，全国所有参与缴纳社保的美 团骑手，陆续收到现金补贴。此前11月，美团的养老保险补贴正式覆盖全国，这是首个面向所有骑手开 放的社保补贴方案，不管是长期稳定跑单，还是过渡兼职的骑手，只要近6个月内，有3个月收入达到当 地社保缴费基数下限，平台就会补贴50%的养老保险参保费用，实现"人人可参与、人人可受益"。 ...

"不用主动申领，各地骑手只要缴纳养老保险，最快下个月第一周就能收到平台补贴。"美团相关负责人 表示，这个方案允许骑手根据个人需求选择在户籍地或工作地参保并申请，不管是长期稳定跑单，还是 过渡兼职的骑手，只要骑手在过去6个月内有3个月收入达到当地社保缴费基数下限，就将自动获得养老 保险补贴资格。骑手可根据个人自愿缴纳社保，平台将对符合条件的骑手参保提供50%的补贴支持。 广覆盖、低门槛的补贴方式，不仅减轻了骑手的日常生活负担，还提高了骑手群体的缴纳积极性和稳定 性。"慢慢地，送外卖可能不再是一种过渡工作，我觉得可以一直干下去。"葛少华说。 本报讯（记者杨天悦）"我在北京跑单，在老家交社保，300多元的养老补贴已经到账了！"昨天，首批 外卖骑手领到了美团发放的社保补贴。 11月初，美团发布了行业首个面向全部骑手开放的社保补贴方案，在国内部分城市率先试点。昨天中 午，骑手杨金莲打开手机发现，平台发放的养老保险补贴到账了。 383.1元，是她自己缴纳额度的一 半。按照杨金莲老家河南当地的社保缴费基数下限3831元的20%计算，她每月要交766.2元的养老保 险，这笔钱她已经连续交了八年。"现在平台有了补贴，相当于给我 ...

Core Points - The initiative allows delivery riders in multiple cities to apply for social security subsidies, with a maximum subsidy of 100% [1][3] - This is the first time the food delivery industry has opened up pension and medical insurance subsidies to all riders [1] Group 1 - The program is based on the principles of autonomy and inclusivity, allowing both full-time and part-time riders who meet the payment criteria to independently contribute and receive subsidies [3] - Riders can choose to pay social security in either their place of residence or their work location [3] - Taobao Shanguo will subsidize at least 50% of the insurance costs for riders who contribute, while team leaders and honorary riders will receive full subsidies [3] Group 2 - The initiative is currently available for application in several cities, including Shenzhen, Chengdu, Wuhan, Wuxi, Nantong, Wenzhou, Fuzhou, Quanzhou, Shijiazhuang, and Jieyang, with plans to cover dedicated delivery riders later this month [3]

Core Insights - Taobao Flash Sale has opened social security subsidies, including pension and medical insurance, to all riders, with subsidies reaching up to 100% in certain regions [1] Group 1: Social Security Subsidies - The initiative is based on the principles of autonomy and inclusivity, allowing both full-time and part-time riders who meet the payment criteria to apply for subsidies [1] - Riders can choose to pay social security in either their registered residence or work location, providing flexibility based on individual needs [1] - Taobao Flash Sale will subsidize at least 50% of the insurance costs for riders, with team leaders and honorary riders receiving full subsidies [1]

Core Points - Taobao Flash Sale is now offering social security subsidies such as pension and medical insurance to all riders, with reports indicating that riders in cities like Shenzhen and Fuzhou can apply for subsidies up to 100% [1] - This initiative is based on the principles of autonomy and inclusivity, allowing both full-time and part-time riders who meet the payment criteria to independently contribute and receive subsidies [1] - Riders can choose to pay social security in either their registered residence or work location, with Taobao Flash Sale covering at least 50% of the insurance costs for contributing riders, while team leaders and honorary riders can receive full subsidies [1]

Core Viewpoint - The Supreme People's Court's new interpretation emphasizes that agreements between employers and employees to waive social insurance contributions are invalid, reinforcing the legal obligation for both parties to contribute to social insurance [1][6]. Group 1: Legal Interpretation and Implications - The new interpretation, effective from September 1, clarifies that if an employer fails to pay social insurance, employees can legally terminate their contracts and claim economic compensation [1][3]. - A typical case highlighted involved an employee who contested a company's non-payment of social insurance, leading to a court ruling that supported the employee's claim for compensation [5][6]. - The interpretation aims to standardize judicial decisions across different regions, addressing inconsistencies in how courts have previously ruled on similar cases [6]. Group 2: Impact on Employers - Employers are advised to comply fully with social insurance obligations to mitigate legal risks, especially in light of potential disputes when employees leave or in cases of workplace injuries [8][9]. - The interpretation may lead to changes in employment structures, with a potential increase in hiring retired individuals as companies seek to navigate the new legal landscape [9]. - There is a growing recognition that both large and small enterprises face challenges in adhering to social insurance laws, with the risk of legal repercussions for non-compliance [8][9]. Group 3: Broader Economic Context - The Ministry of Human Resources and Social Security reported an increase in the number of individuals covered by social insurance, indicating a trend towards greater compliance [11]. - The government is considering measures to alleviate the financial burden on small and medium-sized enterprises, including temporary deferrals of social insurance payments [11][12]. - Proposals for expanding social insurance subsidies aim to support various employment groups, including flexible workers and entrepreneurs, thereby enhancing job security and economic stability [12][13].

Core Viewpoint - The Supreme People's Court's new interpretation emphasizes that agreements between employers and employees to waive social insurance contributions are invalid, reinforcing the legal obligation for both parties to contribute to social insurance [1][3]. Summary by Sections Legal Interpretation - The new interpretation, effective from September 1, clarifies that any agreement to not pay social insurance is legally void, and employees can seek economic compensation if their employer fails to pay [2][3]. - A typical case highlighted involved an employee who was denied compensation after agreeing not to have social insurance paid, which the court later ruled as invalid [2]. Impact on Employers - The interpretation aims to protect employee rights, urging companies to comply fully with social insurance obligations to avoid legal risks [4][5]. - There is a growing concern that both small and large enterprises, including state-owned ones, may have previously engaged in practices of not paying social insurance [5]. - Companies face risks not only from potential employee claims for compensation but also from liabilities arising from workplace injuries if they do not have the necessary insurance coverage [5]. Changes in Employment Practices - The implementation of the new interpretation may lead to changes in employment structures, with a potential increase in hiring retired individuals as a strategy to mitigate costs [6]. - There are suggestions for companies to consider commercial accident insurance for retired re-employed workers to manage risks associated with workplace injuries [6]. Support for Enterprises - The government acknowledges the financial pressures on small and medium-sized enterprises due to mandatory social insurance contributions and is exploring measures to alleviate these burdens [7][8]. - Recent policies allow for temporary deferrals of social insurance payments for companies facing operational difficulties, alongside subsidies for those hiring specific groups [7]. Social Insurance Subsidies - Proposals have been made to expand social insurance subsidies to include a wider range of employment types, including flexible workers and entrepreneurs, to enhance employment opportunities for youth [8][9]. - These subsidies are expected to improve disposable income for young workers and stimulate consumption, thereby benefiting the economy [9].

Employment Situation - The national urban survey unemployment rate averaged 5.2% in the first half of the year, a decrease of 0.1 percentage points from the first quarter, indicating overall stability in the employment situation [1] - In June, the urban survey unemployment rate was 5.0%, remaining stable both year-on-year and month-on-month, reflecting a steady employment landscape [1] - The unemployment rate for local registered labor was 5.1%, up 0.1 percentage points from the same period last year, while the rate for migrant labor was 4.8%, unchanged from last year but down 0.2 percentage points from the previous month [1] Policy Measures - The State Council issued a notification with 19 policy measures aimed at stabilizing employment, enterprises, markets, and expectations to promote high-quality economic development [1][3] - The notification includes social insurance subsidies for small and medium-sized enterprises that sign contracts with key groups, covering 25% of individual contributions for one year [3] - A proposal was made to provide insurance subsidies for youth aged 21-26, potentially benefiting 67 million people annually and a total of 340 million over five years [3] Job Market Trends - Traditional industries such as real estate, internet, and finance have seen a reduction in job openings, while new employment drivers are emerging in modern services and new industries [2] - The human-shaped robot industry experienced a 409% increase in job openings, with significant growth also noted in new materials, pet services, and smart hardware sectors [2] - Experts noted that despite fluctuations due to U.S. tariff policies, China's economy has shown resilience and continued stable growth [2] Youth Employment and Consumption - High-quality employment is expected to stimulate consumer spending, particularly among youth, who are significant contributors to consumption demand [4] - Social insurance subsidies can enhance disposable income for youth and improve their employment expectations, thereby boosting consumer confidence and reducing conservative savings [5]

Group 1 - The core viewpoint of the articles emphasizes the need to enhance employment quality and address youth employment issues in the context of a highly uncertain international economic environment [1][2] - Experts at the employment analysis meeting noted that while the urban employment market remains stable, there is a growing disparity in employment experiences among different demographics, with traditional sectors like internet finance and real estate contracting, while new sectors such as elderly care and artificial intelligence are yet to fully realize their employment potential [1] - The committee suggests that improving employment quality requires leveraging market mechanisms, where a labor supply-demand imbalance would compel companies to enhance employment conditions, thus raising overall employment quality [1] Group 2 - The primary issue regarding youth employment is not a lack of overall labor demand, but rather an insufficient supply of high-quality job opportunities for recent graduates, indicating that enhancing job quality for businesses can facilitate full employment [2] - Recommendations include the central government issuing special bonds to provide social insurance subsidies for youth aged 21-26, covering both formal and informal employment, potentially benefiting 67 million people annually and a total of 340 million over five years [2] - The proposed social insurance subsidies are expected to reduce employment quality disparities, enhance the recognition of the flexibility and innovation of the private economy, and create approximately 3.4 million jobs annually if the saved social insurance contributions are reinvested [2]