China's population aging problem promotes the reform of the pension system.Since launching a personal pension system last year, 28.17 million people have participated.According to the Ministry of Human Resources and Social Security of China, the annual payment limit is 12,000 yuan (RMB, the same below, about S $ 2340), and the upper limit of the payment will be adjusted in a timely manner.
According to the surging news report, Li Zhong, deputy minister of the Ministry of Human Resources and Social Security, at the press conference on employment and social security work on Thursday (March 2)Personal pension system, make the above introduction.
Li Zhong said that personal pension is a supplementary pension insurance with government policy support, voluntary participation, and market -oriented operations. It is an important institutional arrangement for a multi -level pension insurance system.The official launch of the personal pension system was officially launched at the end of November last year, marking that China's multi -level and multi -pillar pension insurance system framework basically formed.
At present, the Chinese endowment insurance system mainly includes three levels, namely the "three pillars", the first pillar is basic pension insurance, the second pillar is corporate annuity and occupational annuity, and the third pillar is personal pension.At the same time, it also includes other personal business pension financial business.
Li Zhong introduced that the first feature of personal pensions is preferential support for policy. The amount of payment is deducted before the payment stage.Tax rate tax.He introduced that the current annual payment limit is 12,000 yuan, and the upper limit of the payment will be adjusted in a timely manner in the future.
The second feature of personal pension is the diverse selection of products.According to reports, the relevant regulatory authorities have approved 137 public pension funds such as 137 public fund funds, 19 commercial pension insurance, 18 wealth management products, and 465 savings deposits. Participants can choose independently based on their own investment preferences.With the implementation of the system, investment products will be further enriched.
Li Zhong introduced that personal pensions also have the characteristics of more convenient services. The personal pension information management service platform led by the Ministry of Human Resources and Social Security can be used for information records, inquiries and services.Intross the operation of my personal pension.Participants can also directly log in to personal pension information management service platforms through the national social insurance public service platform, electronic social security card and other entrances, and open accounts, pay and purchase financial products through commercial bank channels.
Li Zhong also said that the personal pension system is a new system. In the next step, the Ministry of Human Resources and Social Affairs will follow the requirements of the first year of deployment to further explain the policy propaganda, summarize experience, improve the experience, improve the experience, improvePolicies and actively promote the implementation of the system.
