This is the same as when we were working, we were paid through banks, because now all our savings are processed through financial institutions. Although the users of the money are not financial institutions, financial institutions are also our stewards.

Let me share with you my personal opinions.

When we apply for retirement, financial institutions will help us apply for a bank card and apply for a bank card for us. In fact, it is the same as the bank that collects and pays social pension insurance when we pay pension insurance. Everyone

To receive a pension insurance savings card, you need to use the Social Security Bureau staff to upload your personal identity data for processing.

Before applying for a pension credit card, the Social Security Bureau needs to sign a pension service base agreement with the bank.

The financial institution that assessed the contract is actually the cooperative bank of the social security institution. It can not only collect and remit social pension insurance on its behalf, but also deliver pension insurance funds on its behalf. Even if social pension insurance is now collected and paid by the tax authorities, it is still necessary.

Collection and payment are carried out by banks.

Of course, pension insurance benefits in many areas are currently issued to individual social security cards, but the banks that bind the social security cards are also banks that have signed cooperative contracts with social security institutions. Such financial institutions are usually large local state-owned banks, such as backward banks.

In the region, Rural Commercial Bank and Postal Bank are the leading insurance companies because these two insurance companies have service outlets in rural towns and cities. In urban and rural areas, Industrial and Commercial Bank of China and China Construction Bank are the main insurance companies.

Pension delivery banks are all social security card processing banks. They only need to apply for social security cards for local insured persons. In this way, as the pension insurance benefits are distributed through the social security cards, the bank agent can complete the pension distribution business.

Yes, the issuance of pension insurance funds by banks is a huge business, and it is a potential stock that all banks are competing for.

If a financial institution requires an agent to distribute pension insurance funds to retired employees, the social security institution or social insurance fund must set up a pension insurance expense account at the financial institution, and keep cash savings in the account for two to three months for pension payments.

, therefore financial institutions can also use this large amount of money to carry out capital turnover, increasing the bank's capital operating pool. At the same time, social security funds can also obtain relatively fixed profits through bank financial management. On the pension day, only

The list of pension recipients from the social security institution is sent to the financial institution, or the pension recipient adjustment list is transmitted to the financial institution. The financial institution must issue it to the retired employees within a specified period of time, and notify the retired employees in the form of text messages.

The relevant regulations on pension distribution days vary across the country, but the basic requirement is to pay them on time.

For example, the pension distribution period in Chongqing is on the 18th of each month. If there is a holiday, the pension will be distributed in advance instead of delayed. Staff of the Social Security Bureau and bank personnel will check the accounts on time. At the same time, they will also work to check the quality of bank services and whether they are in accordance with relevant regulations.

The operational procedures are applied, and the results of each year's examination serve as the basic basis for improving the bank's work and deepening cooperation. Since the pension cake is a big cake, all banks are very serious about this work.

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If a retired employee does not find that his pension insurance has arrived for a month or more, he must contact the staff of the bank or social security institution in time to find out the reason.

The main reason may be that the retirement survival certification has not been carried out for a long time. When encountering this situation, you must apply for the retirement survival certification in time.

Generally speaking, pension insurance funds are distributed by banks, which is a way for social security institutions and banks to cooperate. It is the same operation method as when we are on the job and our salaries are distributed through banks. Only the main unit of wages has changed from the original enterprise to the social insurance company.

Bureau, the salary becomes a pension insurance fund, and the delivery unit is a financial institution.