The main function of Huaxia Bank's personal pension account is to provide old-age security for users. By opening a personal pension account, users can transfer funds into the account, enjoy tax incentives, and receive a certain amount of pension every month after retirement.

After opening a personal pension account in Huaxia Bank, users can pay the funds into the account, and the funds will be used to invest in pension financial products, such as pension funds and pension insurance, so as to realize long-term pension security. At the same time, according to the national tax policy, paying funds to individual pension accounts can enjoy certain tax incentives.

After retirement, users can receive a certain amount of pension every month in accordance with the prescribed procedures and conditions to ensure their daily needs. The amount of these pensions depends on the accumulation of funds in individual pension accounts and investment income.

To sum up:

The function of Huaxia Bank's personal pension account is to provide old-age security for users, enjoy tax incentives by paying funds into the account, and receive a certain amount of pension every month after retirement. These functions can help users plan their own pension plans and provide more reliable protection for their future.

Legal basis:

Article 15 of the Social Insurance Law of People's Republic of China (PRC) stipulates: "The basic pension consists of overall pension and individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, and personal account amount. "

The Opinions of the General Office of the State Council on Promoting the Development of Personal Pension (No.7 [2022] of the State Council) stipulates: "The maximum amount of personal pension paid by the insured person every year is1.2000 yuan. Ministry of Human Resources and Social Security and the Ministry of Finance timely adjust the payment ceiling according to factors such as the level of economic and social development and the development of a multi-level and multi-pillar endowment insurance system. "