China has a large population, and the implementation of the old-age insurance is facing many difficulties. In order to further improve the old-age insurance and provide a more comprehensive old-age life for the middle-aged and elderly people, the national government has continuously adjusted the old-age insurance policy, in which the interest rate of the personal account of the old-age insurance is directly related to the pension level of the insured, which is directly reflected in the amount of pension obtained by the insured employees after retirement.

introduction of the personal account recording interest rate of the old-age insurance

In today's increasingly aging population, many people's old-age care cannot be properly guaranteed, which also makes the old-age insurance gradually become the focus of the whole people's attention. I believe many people know little about the personal account recording interest rate of the old-age insurance. Now let's learn about it with me through this article.

1. What is the personal account bookkeeping interest rate of endowment insurance

The personal account bookkeeping interest rate of endowment insurance refers to the social insurance agency's annual interest calculation on the storage amount in the personal account, and the interest rate used to calculate the storage interest in the personal account is called the personal account bookkeeping interest rate. According to China's social insurance law, the personal account of endowment insurance shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. How to buy serious illness and critical illness insurance? I just sorted out the relevant contents about choosing a term or a lifetime, hoping to help you: the term of serious illness insurance VS lifetime, how to choose?

second, what is the bookkeeping interest rate of individual accounts of endowment insurance

At present, the Chinese government has not made uniform provisions on the bookkeeping interest rate of individual accounts of endowment insurance. Generally, the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government determine and publish it with reference to factors such as the interest rate of bank deposits in the same period

3. What are the factors that affect the bookkeeping interest rate of individual accounts of endowment insurance

At present, the bookkeeping interest rate of individual accounts of endowment insurance in all provinces and cities in China mainly refers to the following three aspects:

1. It is determined with reference to the local average wage growth rate of employees in the previous year;

2. It is determined according to the resident time deposit interest rate of the bank;

3. It is determined according to the actual income from the operation of the endowment insurance fund.

To sum up, the bookkeeping interest rate of personal accounts for endowment insurance refers to the social insurance agency's annual interest on the amount stored in personal accounts, and the interest rate used to calculate the storage interest of personal accounts is called the bookkeeping interest rate of personal accounts. However, at present, the Chinese government has not made uniform provisions on the bookkeeping interest rate of individual accounts of endowment insurance. There are three main factors affecting the bookkeeping interest rate of individual accounts of endowment insurance in various provinces and cities in China, namely: the average wage growth rate of local employees in the previous year, the time deposit interest rate of bank residents, and the actual income from the operation of endowment insurance funds.

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How do migrant workers choose endowment insurance?

Migrant workers are a marginalized group, although they "work as well as farm workers". The special status of "non-agricultural and non-industrial" makes them always in an awkward position, but they play an important role in the process of industrialization and urbanization, but their rights are not guaranteed by the corresponding social security. Since we can't effectively solve the problem of endowment insurance for migrant workers under the current insurance framework, we should find another way. Therefore, we must respect the national conditions and reality, based on the characteristics and actual needs of migrant workers, and explore the establishment of a new endowment insurance system specifically for migrant workers.

what should I do after the retirement of the old-age insurance?

In China, under the oppression of the increasing population of middle-aged and elderly people, the old-age insurance has become the most concerned topic. Before the reform of the old-age insurance system in China, the basic pension, also known as pension and retirement fee, was the most important old-age insurance treatment. That is, the provisions of relevant state documents. After workers are old or lose their ability to work, according to their contributions to society and their qualifications for enjoying old-age insurance or retirement conditions, the insurance benefits paid monthly or once in cash are mainly used to protect the basic needs of employees after retirement.