In the multi-level pension insurance system, how are the "three pillars" of basic pension insurance, enterprise (occupational) annuity, and individual commercial pension insurance developing in Guangdong? Reporters recently conducted a survey. The reporter learned that the payment ratio of Guangdong employee pension insurance units will gradually increase to 16%. In terms of corporate supplementary pensions such as enterprise annuities and occupational annuities, state-owned enterprises have a wider coverage. The trustee said that more than 95% of the clients are state-owned enterprises, and the participation of private enterprises needs to be improved. According to reports, trustee institutions have also conducted high-level management of these "pension funds" over the years. Some trustee institutions said that enterprise annuities are very effective in retaining talents. Taking a monthly payment of 1,000 yuan as an example, after 30 years of continuous payment, employees In the end, he is expected to get nearly 1 million yuan. Relevant institutions predict that with the advent of the era of diversified investment in personal pensions, personal commercial pension insurance as the third pillar will usher in explosive growth. The first pillar: Guangdong employee pension insurance unit payment ratio will gradually increase to 16%. According to statistical data, the basic pension calculation base for employees and government institutions in Guangdong Province in 2020 is 7,860 yuan. The basic pension for employees and government institutions in 2021 The calculation and distribution base rose to 8,332 yuan/month, an increase of 6%. The Guangdong Provincial Department of Human Resources and Social Security stated that my country will implement a national pooling system for enterprise pension insurance from January 2022. According to the relevant provisions of the national pooling system of basic pension insurance for enterprise employees, the unit contribution rate is uniformly 16% nationwide. It is understood that in 2017, Guangdong Province implemented provincial-level co-ordination of the basic pension insurance for enterprise employees, stipulating that the basic pension insurance unit payment ratio for enterprise employees in all cities in the province was unified to 14%, of which the proportion higher than 14% was adjusted to 14%, and the proportion lower than 14% was adjusted to 14%. It will take about three years to gradually transition to 14%; in 2021, the payment ratio of units in Guangdong Province has been unified to 14%. There is still a gap of two percentage points between this ratio and the 16% uniformly stipulated by the country. To this end, Guangdong Province will adopt a gradual transition approach and increase the proportion of enterprise employee basic pension insurance unit contributions in the province from 14% to 16% in two years. Starting from January 2022, the unit payment ratio of the province's basic pension insurance for enterprise employees will be uniformly adjusted to 15%; starting from January 2023, the unit payment ratio of the province's basic pension insurance for enterprise employees will be uniformly adjusted to 16%. In order to reduce the impact of the increase in unit payment ratios on enterprises, Guangdong Province attaches great importance to reducing the burden on enterprises. In 2021, various policies and measures will reduce the burden on enterprises (including individual industrial and commercial households) in the province by approximately 75.2 billion yuan. The second pillar: Enterprise annuities need to be expanded urgently and the participation of private enterprises needs to be improved. The second pillar, represented by enterprise annuities and occupational annuities, plays an important role in the pension insurance system. Currently, there are 10 institutions including Ping An Pension Insurance Company Guangdong Branch, Industrial and Commercial Bank of China Guangzhou Branch, Changjiang Pension Insurance Co., Ltd., Taikang Pension Insurance Co., Ltd. Guangdong Branch, and China Life Pension Insurance Co., Ltd. Guangdong Branch. The trustee institution of Guangdong Enterprise Annuity. According to data released by the Guangdong Provincial Department of Human Resources and Social Security on April 19, 2022, Guangdong *** had 3,845 enterprise annuity corporate accounts, 1,006,700 employee accounts, and an asset amount of 46,334.57 million yuan in 2016; as of 2021, Guangdong *** There are 7,490 enterprise annuity corporate accounts and 1,655,524 personal accounts, with assets amounting to 108,812 million yuan. In the past five years, the number of enterprise annuity accounts and funds in Guangdong have doubled. After paying 1,000 yuan a month for 30 years, you can expect to earn nearly 1 million yuan. On February 1, 2018, the Ministry of Human Resources and Social Security and the Ministry of Finance issued the new "Enterprise Annuity Measures", which proposed that enterprises and their employees can participate in basic pension insurance in accordance with the law. Independently establish enterprise annuity. Among them, the annual enterprise contribution shall not exceed 8% of the enterprise's total employee wages, and the total enterprise and employee individual contributions shall not exceed 12% of the enterprise's total employee wages. Since then, a considerable number of companies have joined corporate annuity plans. The reporter learned that currently enterprise annuities mainly cover state-owned enterprise employees, accounting for more than 95%. The relevant person in charge of the Guangdong Branch of China Life Pension Insurance Co., Ltd. told reporters that as of the end of March 2022, the company had 820 corporate customers entrusted with the management of enterprise annuities, with a scale of entrusted funds of approximately 18 billion yuan and a total scale of assets under management of approximately 338 billion yuan. billion. The management scale of occupational annuities is approximately 32 billion yuan. The person in charge said that Guangdong Province is currently increasing the expansion of enterprise annuities. As a trustee, it can expand new customer groups, such as foreign-funded enterprises, private enterprises, social groups and other small and medium-sized customers; in addition, it can also promote the replacement of supernumerary annuities in public institutions. More implementation. Guo Xiuli, head of the Guangdong Pension Center of Yangtze Pension Insurance Co., Ltd., told reporters: "Enterprise annuities can enjoy preferential national tax policies and meet the payment portion stipulated by the state. Enterprise payments can be deducted before tax, and personal payments can be deducted from the current taxable income. The deduction from the amount can help enterprises attract and retain talents and enhance their competitiveness.