为什么要交五险一金？

五险一金是指中国境内企业根据国家规定为职工缴纳的五种社会保险金和一种住房公积金。这五种保险金分别是养老保险、医疗保险、失业保险、工伤保险和生育保险，而住房公积金则是一种住房保障制度。

首先，五险一金是为了保障职工的基本权益。养老保险为职工提供退休后的养老金，医疗保险为职工提供医疗费用报销和医疗保健服务，失业保险为失业职工提供基本生活保障和就业帮扶，工伤保险为职工提供工伤赔偿和医疗保障，生育保险为女职工提供生育费用报销和生育津贴。这些保险制度为职工在不同情况下提供了相应的保障，维护了他们的基本生活和医疗需求。英文翻译：Why Should We Pay Five Social Security Benefits and One Housing Fund?

The five social security benefits and one housing fund refer to five kinds of social insurance and one housing savings system for employees of Chinese enterprises, which are pension insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance, and housing savings.

Firstly, the purpose of paying five social security benefits and one housing fund is to guarantee the basic rights and interests of employees. Pension insurance provides pension after retirement for employees, medical insurance provides medical reimbursement and medical care services for employees, unemployment insurance provides basic living security and employment assistance for unemployed employees, work injury insurance provides work injury compensation and medical security for employees, maternity insurance provides maternity reimbursement and maternity allowance for female employees. These insurance systems provide corresponding guarantees for employees in different situations, maintaining their basic living and medical needs.