問 我(wo)聽同學說他(ta)們公(gong)司(si)給繳納五險一金(jin)，我(wo)們公(gong)司(si)卻不是(shi)，想咨(zi)詢一下，五險一金(jin)都是(shi)企業必須繳納的么？

答 五險(xian)(xian)(xian)”指的(de)(de)是(shi)五種保(bao)(bao)險(xian)(xian)(xian)，包括養老保(bao)(bao)險(xian)(xian)(xian)、醫(yi)療保(bao)(bao)險(xian)(xian)(xian)、失業(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)、工傷保(bao)(bao)險(xian)(xian)(xian)和(he)(he)生育保(bao)(bao)險(xian)(xian)(xian)；“一金(jin)”指的(de)(de)是(shi)住房公積金(jin)。其中養老保(bao)(bao)險(xian)(xian)(xian)、醫(yi)療保(bao)(bao)險(xian)(xian)(xian)和(he)(he)失業(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)，這三種險(xian)(xian)(xian)是(shi)由企業(ye)(ye)和(he)(he)個(ge)人共(gong)同繳(jiao)納的(de)(de)保(bao)(bao)費(fei)，工傷保(bao)(bao)險(xian)(xian)(xian)和(he)(he)生育保(bao)(bao)險(xian)(xian)(xian)完全(quan)是(shi)由企業(ye)(ye)承擔(dan)的(de)(de)。個(ge)人不(bu)需要(yao)繳(jiao)納。這里要(yao)注意(yi)的(de)(de)是(shi)“五險(xian)(xian)(xian)”是(shi)法定的(de)(de)，而“一金(jin)”不(bu)是(shi)法定的(de)(de)。