On November 25, the Ministry of Human Resources and Social Security announced that the personal pension system was launched and implemented, and at the same time announced the list of 36 pioneer cities or regions. Qingdao City and Dongying City in our province are the national pilot cities, and the individual pension system has been implemented simultaneously.
At 3:00 p.m. on November 25, Mr. Ma, a citizen of Dongying , came to the business department of the Dongying Branch of the Industrial and Commercial Bank of China, handled the opening of a personal pension account. After paying 12,000 yuan in one lump sum, he purchased an exclusive pension product. "After seeing relevant information about personal pension business online in the early stage, I consulted the account manager and felt that it was a good choice to plan pension rationally, enjoy tax benefits, and purchase financial funds and other products with stable returns. After the bank launched this business, it immediately came to handle it." Mr. Ma said.
reporter learned in the interview that after the preliminary publicity, there are many citizens like Mr. Ma who "taught out" the first time. "On the afternoon of the 25th, the personal pension business was officially 'opened'. Within 4 hours of the first day, Qingdao City successfully opened a personal pension account and made an appointment with nearly 7,000 customers in China Merchants Bank ." said Du Dan, assistant general manager of the wealth management department of China Merchants Bank Qingdao Branch.
Starting from November 20, Minsheng Bank Qingdao Branch has launched online account reservations for personal pension business, and officially handled the business on the 25th. Li Zhen, Party Secretary and President of Minsheng Bank Qingdao Branch, told reporters that judging from the previous situation, the age group of customers is mainly concentrated between 30 and 45 years old, which shows that more and more young people have significantly enhanced their awareness of pension savings and are willing to make pension investment plans in advance.
Personal pension is different from basic pension insurance. It is a supplementary pension insurance system supported by the government, voluntarily participated by individuals, and market-oriented operation. Currently, it stipulates that the annual payment limit is 12,000 yuan. You can choose the amount of payment independently, or you can pay it in batches or in one lump sum. Any workers who participate in the basic pension insurance for urban employees or basic pension insurance for urban and rural residents can establish personal pension accounts through National Social Insurance Public Service Platform , National Human Resources and Social Security Government Service Platform, Electronic Social Security Card , "Palm 12333APP" and other national unified online service portals or commercial banks, and open personal pension fund accounts through commercial banks. It is worth noting that both accounts are unique and correspond to each other. After opening two accounts, you can pay fees to the fund account and purchase personal pension products, and you can enjoy tax and fee discounts by paying the fees.
It is understood that the first batch of financial institutions to start personal pension business include 6 large state-owned commercial banks, 12 joint-stock banks, 5 urban commercial banks, , 11 wealth management companies, 14 securities companies, , 7 independent fund sales institutions and 6 insurance companies.
At present, in Qingdao and Dongying, many banks have officially launched personal pension services, providing account opening, fund payment, product subscription and other services, and have launched a series of preferential measures. Since its official launch on the 25th, the Agricultural Bank of China Dongying Branch has opened a total of more than 20,000 personal pension accounts. In order to increase participation, the Agricultural Bank of China Dongying Branch also allocated 50 yuan WeChat instant bonus and other exquisite gifts for the personnel who opened pension accounts. Customers can choose the card opening method and account opening outlets according to their own needs. Minsheng Bank Qingdao Branch has launched multiple discounts such as personal pension account opening, deposit gift, and group service gift. For example, if a customer recommends multiple people to participate in the group office’s personal pension account and successfully deposit, you can obtain preferential rights for the group office. The group office’s referee can get a maximum of 1,500 yuan in cloud flash payment consumption coupons, and the recommended person can also participate in the lottery and receive cloud flash payment consumption coupons ranging from 20 to 388 yuan. China Merchants Bank has set up lottery activities such as "Appointment Gift", "Account Gift", and "Experience Gift" before and after the official launch of personal pension accounts, and has set up random red envelopes for customers in terms of subscribing to the pension finance zone, opening personal pension accounts, and experiencing personal pension account fund payment.
For ordinary people, everyone is very concerned about what financial products can be purchased through personal pension fund accounts and to invest.According to regulations, in order to improve security, financial products that participants can purchase are managed in a list form, including savings deposits, financial products, commercial pension insurance and public fund , etc. The specific products are determined by the financial regulatory authorities and are announced and updated through the personal pension information management service platform and the financial industry platform. At present, the China Securities Regulatory Commission has announced the list of 129 fund products selected. The list of personal pension insurance products has also been announced, with a total of 7 products from 6 insurance companies shortlisted.
On the afternoon of November 25, at the Qingdao Chengyang Branch of Industrial Bank, Ms. Jiang, a citizen, successfully opened a personal pension account through the Industrial Bank mobile banking APP, and paid the first amount of 1,000 yuan, and purchased a savings product. It is understood that Industrial Bank continues to enrich the product "shelf" around personal pension savings, personal pension financial products, personal pension insurance products, and personal pension public fund products that can be invested in by personal pension account funds, and actively introduces 113 high-quality fund in the personal pension account investment fund directory, and selects multiple series of pension financial products covering different periods and 4 commercial pension insurance products, achieving full coverage of investment categories, and will actively carry out agency sales cooperation with domestic leading fund companies and life insurance companies to introduce more high-quality and inclusive pension financial products. More than
banks have stated that the next step will focus on the needs of personal pension services, continuously enrich personal pension financial products, do a good job in consumer rights protection , and help build a more complete pension financial system.
(reported by Zhang Chunxiao, reporter of Dazhong Daily client)
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