The China Banking Regulatory Commission promotes the normalization of exclusive commercial pension insurance to accelerate the weave -and -woven pension security network

CCTV News: The results of the seventh national census showed that the proportion of population 60 and over the age of 60 has exceeded 18%of the total population, and my country's population aging has continued to deepen. As an important part of the third pillar of my country's endowment insurance system, since June 1 last year, the pilot of exclusive commercial pension insurance will be piloted. From March 1 this year, the pilot will be pushed to the whole country. The relevant person in charge of the CBRC said that the document will be promoted to promote the normalized business of exclusive commercial pension insurance to encourage more eligible institutions to carry out operations.

According to the latest statistics from the CBRC, as of the end of July this year, the cumulative number of insureds for exclusive commercial pension insurance was nearly 210,000, and the cumulative premiums were 2.35 billion yuan, of which the new economy, new business staff and flexible employees insured nearly 30,000 pieces.

Since June 1, 2021, the exclusive commercial pension insurance pilot is launched in Zhejiang (including Ningbo) and Chongqing. Pilot insurance companies include 6 family insurance companies such as China Life, Life Insurance, and Xinhua Life. From March 1 this year, the pilot area has expanded to the country, and on the basis of the original six pilot insurance companies, pension insurance companies are allowed to participate in the pilot.

Zheng Bingwen, Director of the World Social Security Research Center of the Chinese Academy of Social Sciences: For a year, its coverage and premium income exceeds the scale of the number and premium income of the 2018 delayed commercial endowment insurance. Exclusive (commercial) endowment insurance, at present, from market demand and everyone's evaluation, it is still very promising.

Relevant person in charge of the CBRC also recently stated that the pilot pilot of exclusive commercial pension insurance has achieved good results. It will introduce normalized business documents to encourage more eligible institutions to carry out operations, enrich product supply, and benefit the results of reform.

What is exclusive commercial pension insurance?

Exclusive commercial pension insurance refers to personal pension insurance products with an age of 60 and above for the purpose of pension protection. For exclusive commercial pension insurance products, the receipt time and the term of the receipt are clarified from the policy design, that is, the earliest time that can be received is that the age must reach 60 years old, and the receipt period is at least 10 years.

Pension -related policies have successively introduced agencies to accelerate the layout

Recently, the national policy level has continuously introduced relevant policies for endowment protection. In addition to exclusive commercial pension insurance, related policies such as pension target funds, pension financial management, and pension savings have also been introduced one after another. A few days ago, the "Opinions on Promoting the Development of Personal Pensions" was also officially released, and the implementation rules and supporting systems of the system are being studied and formulated.

From the launch of the Pension Target Fund to the implementation of the pilot of exclusive commercial pension insurance products, to the launch of pension wealth management products, and the pilot pilot pilot will be launched soon, etc., the state has continued to explore in promoting the establishment of a personal pension system. The pension guarantee network in the other fields is accelerating the density.

Huang Tao, general manager of National Pension Insurance Co., Ltd.: According to international standards, my country is close to a deep -aged society. In addition to basic pensions, corporate annuities and occupational annuities must make major reforms on other pension system arrangements to adapt to this old -age society and meet the needs of different groups and different people.

The personal pension system is an important part of a multi -level, multi -pillar pension insurance system. Participants of the personal pension system can choose bank wealth management, savings deposits, commercial pension insurance, public funds, etc. according to different preferences. At present, all kinds of asset management institutions have begun to lay out.

Zheng Bingwen, director of the World Social Security Research Center of the Chinese Academy of Social Sciences: The products covering are three industries of the four categories, which are bank savings products, bank wealth management products, insurance products and public funds. The products need to be completed with "foot" in competition.

The relevant person in charge of the Banking Insurance Regulatory Commission said that it is currently actively working with the Ministry of Human Resources and Social Security and the Ministry of Finance to study and formulate the implementation rules and supporting systems of personal pensions. Soliciting opinions will soon be issued.

- END -