問 我聽同學說他們公(gong)司給繳納(na)五(wu)險(xian)(xian)一金，我們公(gong)司卻(que)不是，想咨詢一下，五(wu)險(xian)(xian)一金都是企業必(bi)須繳納(na)的么？

答 五(wu)險(xian)(xian)(xian)(xian)”指的(de)是(shi)(shi)五(wu)種保(bao)(bao)險(xian)(xian)(xian)(xian)，包括養老保(bao)(bao)險(xian)(xian)(xian)(xian)、醫療保(bao)(bao)險(xian)(xian)(xian)(xian)、失業(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)、工傷保(bao)(bao)險(xian)(xian)(xian)(xian)和生育(yu)(yu)保(bao)(bao)險(xian)(xian)(xian)(xian)；“一金”指的(de)是(shi)(shi)住房(fang)公積金。其中(zhong)養老保(bao)(bao)險(xian)(xian)(xian)(xian)、醫療保(bao)(bao)險(xian)(xian)(xian)(xian)和失業(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)，這(zhe)三種險(xian)(xian)(xian)(xian)是(shi)(shi)由企業(ye)(ye)和個人(ren)共同繳(jiao)納的(de)保(bao)(bao)費，工傷保(bao)(bao)險(xian)(xian)(xian)(xian)和生育(yu)(yu)保(bao)(bao)險(xian)(xian)(xian)(xian)完全是(shi)(shi)由企業(ye)(ye)承(cheng)擔(dan)的(de)。個人(ren)不需要繳(jiao)納。這(zhe)里要注意的(de)是(shi)(shi)“五(wu)險(xian)(xian)(xian)(xian)”是(shi)(shi)法定的(de)，而“一金”不是(shi)(shi)法定的(de)。