Business partners of Heilongjiang Branch asked a question: "What specific documents are there or notices? Increased lifespan, such as the love of the world. Civil servants do not need to report it."
General Office of the CPC Central Committee , General Office of the State Council in April 2017 issued the "Regulations on Reporting Personal Matters of Leading Cadres", which stipulated that civil servants of the following ranks need to declare property. Many of our customers are civil servants. What are the management requirements for the civil servant profession in terms of property declaration? Let’s sort out this article:
1. First, clarify who needs to apply. The notice clearly stipulates that not all civil servants. Generally speaking, county-level deputy-level and above cadres need to declare property, but public officials who are to be promoted or included must also report. However, it is not ruled out that some regions have to apply for section-level cadres. According to public information on media, some regions in more than ten provinces, autonomous regions and municipalities, including Beijing, Anhui, Guizhou, Hainan, Qinghai, Xinjiang, Jiangxi, Jiangsu, Guangxi, Gansu, and Shaanxi are piloting "section-level" cadre reports.
2. Which projects related to insurance need to be declared? According to Article 4 of the "Report on Personal Matters of Leading Cadres 2020", civil servants need to take the initiative to declare. The specific related insurance includes: the situation where the person, the spouse, the children living together invest or hold the investment insurance in other ways. It is particularly emphasized that the need to apply for an investment insurance.
3. In insurance with investment type, that is, which insurances need to be declared? (1) insurance for both life and death, risk claims occur during the agreed period, and safe return when due, such as common education insurance; (2) annuity insurance for , which is regularly returned during the survival period, and common return every three years, once a year, and pension insurance; (3) Investment-linked insurance, you can choose to adjust multiple investment directions such as the stock market to obtain income; (4) Universal type, insurance with guaranteed account amount, fixed investment direction, and obtain income.
4. At the same time, which insurances do not need to be declared? (1) Life insurance, insurance that is paid in one lump sum no matter whenever death or total disability occurs. (2) term life insurance , insurance for one-time compensation if death or total disability occurs within the agreed period. (3) Income Protection Insurance , insurance that will be paid annually if you die or have all disabled within the agreed period. (4) major disease insurance , insurance for serious diseases and compensation occurs within the agreed period. (5) Medical insurance, insurance that involves corresponding medical responsibilities and compensation within the agreed period. (6) Accidental Injury Insurance , insurance is compensated according to the proportion of physical disability due to accidental disability.
At this point, I believe everyone should have a basic understanding of the insurance declaration of civil servants. Next, we will add a few points to a comprehensive understanding:
1. If civil servants buy insurance policies in Hong Kong and Macau, do they need to declare them? The answer is:
. The regulations of General Office of the Central Committee clearly mention that the investment insurance held abroad (including Hong Kong, Macao, Taiwan) should be filled in the "Investment Situation of Overseas Chinese". Therefore, insurance policies purchased in Hong Kong and Macao also need to be declared.
2. Do civil servants’ parents need to declare their insurance products as policyholders? The answer is:
In the declaration regulations, it is clearly stated that the insurance policy of the insured person, the spouse and the children living together should be filled in. If the insured does not fall into the above three categories, there is no need to declare. For example: the situation where the parents of civil servants are policyholders and the civil servants themselves are insured; the situation where the parents are policyholders and the children of civil servants are insured, there is no need to declare.
3. Is there any way to know the situation of all insurance policies for civil servants? After all, civil servant customers do not only buy products from one insurance company. Answer: Some
suggest downloading the APP Jinshitong-Insurance Policy Query Management Tool. After registering and logging in, you can see the status of purchasing insurance policies in all companies.
4. Does the fourth phase of gold tax have an impact on the personal property information of civil servants? Answer: Yes, it has a great impact
Jinshifu Phase IV has a great impact by building a more powerful modern tax collection and management system to realize the whole nationwide tax management and collection business. This will not only have a great impact on the development of enterprises and financial personnel, but also the supervision of assets under one's name will become increasingly strict. This point is not only for civil servants, but will have a great impact on everyone
5. The crime of unknown source of huge property (point to the end, no key explanation)
The crime of unknown source of huge property refers to the behavior of state employees' property and expenditure significantly exceeding legal income, and the difference is huge, and the source cannot be explained. There are two basic elements of this crime: one is that the perpetrator owns property with a huge difference, and the other is that the perpetrator cannot explain its source. In contrast, the crime of "refusing to indicate the source of huge amounts of property" more accurately reflects the basic characteristics of this crime.
In summary, the types of insurance that civil servants need to apply for are basically concentrated on investment products, while products with personal protection are not within the scope of declaration.
material part uses the course ""Circle" to operate civil servants, "application" to leverage high premiums" by Director Teng Lifen of Guangxi forum. Thank you for this!
Some pictures are from Baidu, please delete if infringement.
