Dialogue
福利制度
Social Welfare System
Fúlì zhìdù
Dialogue 1
A
您好，请问中国的福利制度包含哪些方面？
Nín hǎo, qǐngwèn zhōngguó de fúlì zhìdù hángāi nǎxiē fāngmiàn？
Hello, could you tell me what aspects are included in China's social welfare system?
B
您好，中国的福利制度涵盖养老保险、医疗保险、失业保险、工伤保险、生育保险五大险种，此外还有住房公积金等其他福利。
Nín hǎo, zhōngguó de fúlì zhìdù hángāi yǎnglǎo bǎoxiǎn, yīliáo bǎoxiǎn, shīyè bǎoxiǎn, gōngshāng bǎoxiǎn, shēngyù bǎoxiǎn wǔ dà xiǎnzǒng, cǐwài hái yǒu zhùfáng gōngjījīn děng qítā fúlì.
Hello, China's social welfare system covers five major insurances: pension insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance. In addition, there are other benefits such as housing provident fund.
A
这些保险的缴纳方式是怎样的？
Zhèxiē bǎoxiǎn de jiǎonà fāngshì shì zěnyàng de？
How are these insurances paid?
B
一般是单位和个人共同缴纳，比例根据具体险种有所不同。例如养老保险，单位通常缴纳比例较高，个人缴纳比例较低。
Yībān shì dānwèi hé gèrén gòngtóng jiǎonà, bǐlì gēnjù jùtǐ xiǎnzǒng yǒusuǒ bùtóng。Lìrú yǎnglǎo bǎoxiǎn, dānwèi tōngcháng jiǎonà bǐlì gāo, gèrén jiǎonà bǐlì jiao dī.
They are generally paid jointly by the employer and the employee, with the proportion varying depending on the specific insurance. For example, for pension insurance, the employer usually pays a higher percentage, and the employee pays a lower percentage.
A
明白了，那如果我失业了，可以领取失业保险金吗？
Míngbái le, nà rúguǒ wǒ shīyè le, kěyǐ língqǔ shīyè bǎoxiǎnjīn ma？
I see, so if I become unemployed, can I receive unemployment benefits?
B
可以，符合条件的失业人员可以领取失业保险金，具体领取条件和标准请参考当地人力资源和社会保障部门的规定。
Kěyǐ, fúhé tiáojiàn de shīyè rényuán kěyǐ língqǔ shīyè bǎoxiǎnjīn, jùtǐ língqǔ tiáojiàn hé biāozhǔn qǐng cānkǎo dàdì rénlì zīyuán hé shèhuì bǎozhàng bùmén de guīdìng.
Yes, unemployed people who meet the conditions can receive unemployment benefits. Please refer to the regulations of the local human resources and social security department for specific conditions and standards.
A
谢谢您的详细解答！
Xièxiè nín de xiángxì jiědá！
Thank you for your detailed explanation!
B
不客气，祝您生活愉快！
Bù kèqì, zhù nín shēnghuó yúkuài！
You're welcome, have a nice day!
Dialogue 2
A
请问，中国的养老保险制度是怎样的？
Qǐngwèn, zhōngguó de yǎnglǎo bǎoxiǎn zhìdù shì zěnyàng de？
Excuse me, how does the Chinese pension insurance system work?
B
中国的养老保险制度是多层次的，包括基本养老保险、企业补充养老保险和个人商业养老保险。
Zhōngguó de yǎnglǎo bǎoxiǎn zhìdù shì duō céngcì de, bāokuò jīběn yǎnglǎo bǎoxiǎn, qǐyè bǔchōng yǎnglǎo bǎoxiǎn hé gèrén shāngyè yǎnglǎo bǎoxiǎn.
The Chinese pension insurance system is multi-layered, including basic pension insurance, enterprise supplementary pension insurance, and individual commercial pension insurance.
A
基本养老保险的缴费比例是多少？
Jīběn yǎnglǎo bǎoxiǎn de jiǎofèi bǐlì shì duōshao？
What is the contribution rate for basic pension insurance?
B
基本养老保险的缴费比例是单位和个人各承担一部分，比例会根据当地政策有所调整。
Jīběn yǎnglǎo bǎoxiǎn de jiǎofèi bǐlì shì dānwèi hé gèrén gè chēndān yībùfèn, bǐlì huì gēnjù dàdì zhèngcè yǒusuǒ tiáozhěng.
The contribution rate for basic pension insurance is borne by both the employer and the employee, and the specific rate may be adjusted according to local policies.
A
如果我退休后想继续工作，养老保险还能继续缴纳吗？
Rúguǒ wǒ tuìxiū hòu xiǎng jìxù gōngzuò, yǎnglǎo bǎoxiǎn hái néng jìxù jiǎonà ma？
If I want to continue working after retirement, can I still contribute to pension insurance?
B
可以的，在达到退休年龄后，您仍然可以选择继续缴纳养老保险，这有助于提高您的退休金水平。
Kěyǐ de, zài dádào tuìxiū niánlíng hòu, nín réngrán kěyǐ xuǎnzé jìxù jiǎonà yǎnglǎo bǎoxiǎn, zhè yǒuzhù tígāo nín de tuìxiūjīn shuǐpíng.
Yes, after reaching retirement age, you can still choose to continue contributing to pension insurance, which will help increase your pension level.
A
谢谢您的解答，明白了。
Xièxiè nín de jiědá, míngbái le.
Thank you for your explanation, I understand.
B
不用谢，祝您生活愉快。
Bùyòng xiè, zhù nín shēnghuó yúkuài。
You're welcome, have a nice day.