College students haven't graduated yet, so they can't establish labor relations with their units. They can sign a labor contract in advance, but the contract should start from the graduation time. Before graduation, the unit can't pay employees five insurances and one gold.

Whether there is a labor relationship between workers and employers is considered from the following aspects:

1, the employer and the employee meet the subject qualifications stipulated by laws and regulations;

2. Workers accept the labor management of the employer and engage in paid labor arranged by the employer, and the labor rules and regulations formulated by the employer according to law shall apply;

3. The labor provided by laborers is an integral part of the employer's business.

The purposes of endowment insurance are as follows:

1, the establishment of the basic old-age insurance system can provide the elderly with a sense of security, the newly added labor force can find employment smoothly, and the employment structure can be rationalized;

2. Basic old-age insurance provides basic living security for the elderly, so that the elderly can have a sense of security. If you buy commercial pension insurance, it can be used as a supplement to social security pension, so that the elderly can have a higher quality of life when they are old, which is conducive to social stability;

3. The basic old-age insurance system is linked to the labor income during labor, which means that the more you pay when you are young, the more you get when you are old, which can encourage workers to work actively during labor and also make the economy develop better. The same is true of commercial insurance. Pay more when you are young, and get more when you are old.

4. Endowment insurance can make people have income in their later years. Old-age insurance can be collected at retirement age, and commercial old-age insurance can also have a sum of money at the agreed age, which can guarantee the old age;

5. After retirement, the treatment of illness and illness of the elderly can be reimbursed, and old-age insurance, whether it is social security or commercial insurance, can also be used as a supplement to medical expenses;

6. Commercial old-age insurance, insured when you are young, and get a pension when you are old. Once you die, you can benefit the next generation.

To sum up, students are not laborers as stipulated in the labor law, so they cannot apply for five insurances and one gold. Students can only apply for urban and rural residents' medical insurance and urban and rural residents' endowment insurance at the place where they are registered.

Legal basis:

Article 15 of the Labor Law of People's Republic of China (PRC)

Employers are prohibited from recruiting/kloc-minors under the age of 0/6. Units of literature, art, sports and special arts and crafts that recruit minors under the age of 16 must go through the examination and approval procedures in accordance with the relevant provisions of the state and guarantee their right to receive compulsory education.

Article 58 of People's Republic of China (PRC) Social Insurance Law

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.