可以搜索公号【璐璐的英文小酒馆】或者添加【luluxjg2】咨询课程or加入社群，查看文稿和其他精彩内容哦~

Hi, everyone and welcome back to Britain Under the Microscope. 欢迎回来【闲话英伦】Hi 安澜.

Hi, Lulu. Hi, everyone.

So, the topic I'm going to propose today, well, I say “I propose” is actually from one of our fans.

Oh, brilliant.

So she proposed this topic, because she was recently hired by this company, and she's dealing with all these social insurance tax deduction “五险一金” thing.

Okay. Oh, dear. I can imagine that's very complicated.

And she wanted us to talk about what it's like in the UK.

Okay.

But first things first, 安澜, you know the idea of “五险一金”, right?

Well, to be perfectly honest, I probably understand the Chinese system more than I do the British system.

Of course. Because fair enough, you have been working in China for all these years.

Yeah, exactly.

You have to pay all of those as well.

Yes.

But for those of you who are still students or you don't really know that much about 五险一金, let me give you a very quick crash course.

咱们说的五险一金包括五险是养老保险, This is like the pension, 医疗保险, medical insurance, 失业保险, unemployment insurance, 工伤保险, work-related injury insurance and生育保险, maternity insurance.

一金就是住房公积金housing fund.

Yes.

安澜, you don't have housing fund, do you?

No. I don't have housing fund. I don't think I actually have to pay housing fund because as a foreigner.

You don’t have access.

I don't have access.

Okay. So that's a little bit of introduction to our 五险一金. Now before we get into the UK system, I assume that the basic concept is the same, like pay, there's the idea of gross pay. And there’s the idea of net pay也有这种税前税后的概念.

Yeah. So gross pay is your full pay before tax and that's normally what is advertised when you apply for a job. That's normally what's written on your contract. Your net pay is your take-home pay.

Oh, you call it take-home pay.