Personal pension system to accelerate the rapid development of landscape financial business

Author:China Renmin Socialary Media Time:2022.06.22

A few days ago, the "third pillar" of my country's pension insurance system ushered in an institutional arrangement -a personal pension system. According to the "Opinions on Promoting the Development of Personal Pension" issued by the General Office of the State Council, personal pensions that are suitable for the development of national conditions, government policy support, individual participation, and market -oriented operations should be promoted. Connect. The reporter recently learned that the relevant supporting system on the personal pension system is being formulated.

In addition to personal pensions, another important component of "Third Pillar", "Other Personal Business Pension Finance Business", has also achieved rapid development in recent years, and its product types have become increasingly rich. With the increasingly severe population of my country's population, it has improved the awareness of self -guarantee, planning the elderly life early, and reasonable reserves of pension funds. Many people in the industry suggested that three pillars should be planned according to personal financial status, that is, basic pension insurance, enterprise (occupation) annuity, and commercial pension finance; for the latter, according to personal risk preferences, reasonable allocation of savings, wealth management products, insurance, insurance Products, effectively dispersing risks.

Voluntary participation in personal pensions

For many young people who are accustomed to overdraft consumption, the key to reserve pension funds is to export funds to export funds, avoid "moonlight" and even eat grain, and steadily precipitates the value. The personal pension system that my country is piloting can effectively avoid getting problems in advance.

A few days ago, the General Office of the State Council issued the "Opinions on Promoting the Development of Personal Pensions", and the personal pension system was officially introduced, which is of great significance to the construction of a multi -level and multi -pillar pillar pension insurance system. As we all know, my country's endowment insurance system contains "three pillars." The first pillar is the basic endowment insurance. At present, the development is relatively complete, and the coverage is also continuously expanding; the second pillar is the corporate annuity and occupational annuity, which mainly plays a supplementary role. It is established by employers and their employees. The three pillars are slightly "inadequate". Earlier, the corresponding institutional arrangements were lacking, mainly including individual savings endowment insurance and commercial endowment insurance.

"Personal pension is the institutional arrangement of the country's third pillar, which is conducive to adding another accumulation on the basis of basic pension insurance and corporate annuity and occupational annuity." Li Zhong, deputy director of the Ministry of Human Resources and Social Security, said that after retirement, after retirement, after retirement It can be one more income, further improve the level of living after retirement, and make the life of the elderly more secure and quality.

How to participate? If you have participated in basic pension insurance, you can choose to participate in personal pensions. The system adheres to the principle of voluntary voluntary and is not forced. Since then, individuals need to open two accounts: personal pension accounts and personal pension funds accounts. The former is used for information records, inquiries and services, and the latter is used to pay, purchase products, and collect income. "These two accounts are the only corresponding to each other. Participants can open multiple channels such as the national social insurance public service platform, the national human -social government service platform, the electronic social security card, and commercial banks." Chang Nie Mingyu introduced that through commercial bank channels, the above two accounts can be opened at one time.

How to invest? Personal pensions are paid by individuals. Participants can decide to participate in the whole process or participate in some year. The upper limit of the annual payment at the beginning is 12,000 yuan, and the participants can decide how much they can pay. "Next, with the increase in disposable income of urban and rural residents, the upper limit of the payment will gradually increase in time." Nie Mingyi said. After the payment, the personal pension will adopt a market -oriented operation. Participants can purchase bank wealth management, savings deposits, commercial pension insurance, public fund -raising funds, etc., and can also perform long and medium -term combinations. Multiple financial institutions. "From the perspective of mature experience overseas, participants can participate in the capital market through personal pensions and share the dividends of the real economy development." Said Lin Xiaoyang, the person in charge of the supervision department of the Securities and Fund of the China Securities Regulatory Commission.

How to get it? Avoiding in advance is the significant feature of personal pensions, which helps rationally plan personal pension reserves and effectively play a role in supplementing pension. Specifically, the account funds are closed. Only during the payment stage cannot be available, the payment and investment income are rolled in the account, and only when the corresponding age conditions are met.

Reasonable purchase of pension financial management

In addition to personal pensions, commercial pension finance represented by pension wealth management and exclusive commercial pension insurance is also an important part of the "third pillar", and has achieved rapid development in recent years.

Among them, the pension financial management has been enthusiastically subscribed by investors. The reporter learned from the banking wealth management registered custody center that as of the end of the first quarter of 2022, the four pilot institutions sold a total of 16 pension wealth management products, with more than 165,000 investors subscribed for about 42 billion yuan, and the raised amount exceeded expectations. Some products " "In short supply", many of the first products have been raised many times to raise the scale of planning. In addition, two newly issued pension wealth management products were officially raised on June 20. As of now, the number of pension wealth management issues has expanded to 24.

There are not a few middle -aged people who favor pension financial management. According to data from the banking financial management registered custody center, investors from 40 to 50 years old account for 27%, and investors 30 to 40 years old account for nearly 20%. The two are about 47%. Half; the highest proportion of investors 50 to 60, reaching 28%. "This reflects the broadness and urgency of investors in the needs of pension financial management, and also shows that the market space of pension wealth is broad." Wang Hailu, chairman of ICBC Finance, said. It is worth noting that due to the long period of pension financial management, investors need to rationally measure the medium and long -term income, and the pension financial management cannot be used as a channel for "making fast money". From the perspective of the pilot, the term of the first batch of closed -end financial management products is 5 years. Some products have specially set a dividend clause to meet some of the liquidity needs of investors during holding.

"Pension and financial management aims to guide investors to form a healthy and sustainable pension financial management concept, make a scientific and reasonable plan for the elderly, and transform the long -term funds in their hands into pension financial products according to their own actual situation."

To this end, investors should focus on three major factors when purchasing pension financial management. The first is to consider your own pension needs and determine whether you need to make long -term pension investment; the second is to consider your own capital situation and choose the investment method that suits you; the third is to combine your own risk preferences to pay attention to the risk income characteristics of pension wealth management products. Pension wealth management products.

The pension savings business will be launched

Due to the diversification of the demand for pension reserves, correspondingly, the risk preferences covered by financial products should also be diversified, and they should not be concentrated in medium and high risk preferences. "my country is a large savings country with a high savings rate. It should be in line with the public's savings habits to further enrich the supply of pension financial products and supplements with pension wealth management products." Dong Ximiao said.

The reporter visited a number of banks in Beijing and found that current investors still have high demand for low -risk products for deposits. Taking large deposit orders as an example, although its annual interest rate continues to decline, the one -year interest rate is only 2.1%, but it is not easy for investors to buy successfully. As of June 20, the Industrial and Commercial Bank of China showed that 3 of the 4 three -year large deposit orders sold were sold out, and the remaining one was only sold for new customers.

The launch of the "specific pension savings business pilot" is precisely to meet the needs of low -risk preferences for pension financial needs. "It is accelerating the research pilot of specific pension savings business, and a trial of large -scale state -owned banks in some cities by four state -owned banks in industrial, farmers, agriculture, and building." This business takes into account the inclusiveness and pension. The product period is relatively long, the income is stable, and the principal and interest are guaranteed, which can meet the pension needs of low -risk preference for residents. Specifically, specific pension savings products include three types: rectification, zero deposit, and zero deposit. The product period is divided into five, 10, 15, and 20 years. The scale of the pilot is 10 billion yuan, and the pilot period is tentatively set for one year.

It can be expected that in the future, the future pension financial business will gradually form a development pattern of diversified subject participation, supply of multi -type products, and meeting diversified needs. The China Banking Regulatory Commission has also made it clear in the "Notice on Regulating and Promoting the Development of Commercial Pension Financial Business" recently. Next, it will support and encourage bank insurance institutions to develop commercial pension savings, commercial pension financial management, commercial pension insurance, business, and business in accordance with laws and regulations. Pension and other pension financial business. "But there is a bottom line. The business pension financial business must reflect the attributes of the elderly. The product period meets the characteristics of the long -term pension and life cycle of investors. '. "The above -mentioned person in charge of the CBRC said at the same time.

Source: Economic Daily

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