165438+1On October 25th, Ministry of Human Resources and Social Security, the Ministry of Finance and State Taxation Administration of The People's Republic of China jointly issued the Notice on Announcing the Pilot Cities (Regions) of Personal Pension, which showed that all employees who participated in the basic old-age insurance for employees or the basic old-age insurance for urban and rural residents in the pilot cities (regions) can participate in the personal pension as of the date of promulgation of this notice.
From the list of 36 leading cities (regions), 3 1 provinces and cities were selected, mainly provincial capitals, and 2 cities in some provinces were selected, such as Shijiazhuang and xiong'an new area in Hebei Province, Shenyang and Dalian in Liaoning Province, Hangzhou and Ningbo in Zhejiang Province, Guangzhou and Shenzhen in Guangdong Province, Qingdao and Dongying in Shandong Province. Fujian is included in the whole province.
Subsequently, a number of banks announced the official opening of personal pension business. Because ICBC has set up the function of pre-opening accounts for customers, about half an hour before the above notice was issued, some users have received the notice of opening accounts for personal pension funds.
The bank's personal pension business was launched simultaneously.
According to the Notice on Printing and Distributing the Interim Measures for the Administration of Personal Pension Business of Commercial Banks and Wealth Management Companies, there are 23 banks that can offer personal pension business, specifically 6 big banks, 12 joint-stock banks and 5 city commercial banks. The five city commercial banks are Bank of Beijing (60 1 169) and Bank of Shanghai (60 1229).
China Industrial and Commercial Bank (ICBC) said that as the first batch of banks, it officially launched personal pension business in 36 pilot areas of the national personal pension system. Customers can open two accounts, a personal pension account and a personal pension fund account at one time, and then they can handle the business of fund deposit, product transaction, treatment collection, information inquiry, etc., and at the same time, they can experience pension planning and calculation, pension assets panoramic view and other services.
The Agricultural Bank of China said that careful preparation, early layout, grasp the progress, and start personal pension services in cities such as Beijing and Tianjin where personal pensions are the first.
Minsheng Bank (6000 16) said that it officially launched the personal pension service on June 25th 165438, and from now on, it will provide customers with a convenient and comprehensive personal pension service system, such as personal pension account opening, pension products and value-added services, fully meet the core needs of customers such as tax planning, account service, wealth management and equity appreciation, and build products from personal pension account opening to pension.
Bank of Ningbo said that the bank's personal pension business was officially launched at 3 pm on1October 25th, 165438+. 36 leading cities (regions), covering 6 cities including Beijing, Shanghai, Shenzhen, Hangzhou, Suzhou and Ningbo.
Generally speaking, channels for opening/designating personal pension fund accounts include counters, mobile banking, WeChat banking and other channels. China Agricultural Bank said that it pioneered the "account reservation" business model and became the first commercial bank in the industry to open an account at the counter.
Personal pension products have been launched one after another.
What products can I buy for my personal pension fund account? The Measures for the Implementation of Individual Pensions stipulates that customers can choose to purchase financial products such as savings deposits, wealth management products, commercial endowment insurance and Public Offering of Fund. However, at present, the products displayed and actually sold by various banks are not the same, and the list of personal wealth management products has not been released, so it is temporarily impossible to buy them.
Take the personal pension fund account opened by reporters in ICBC as an example. At present, banks can buy deposit products (all ordinary deposits, and the specific pension savings need to be in five pilot cities), but the wealth management products have not been opened (the bank wealth management registration and custody center has not released the list of personal pension wealth management products), and the fund products come from the list of personal pension funds previously released by the CSRC (all marked with "tax advantages"), and there are no insurance products.
ICBC said that in terms of product selection, in order to provide policyholders with a wide range of high-quality personal pension products, the bank actively cooperated with a number of product and sales organizations to do a good job in product selection, distribution and sales based on the principles of "safe operation, maturity and stability, standardized objectives and long-term preservation". The bank has accumulated rich product experience, such as launching specific old-age savings products in the industry and issuing a variety of regular savings products that meet the requirements of old-age savings; Actively participate in the initiation and issuance of a number of pension funds, give full play to the advantages of the Group, and launch customized pension FOF funds of ICBC Credit Suisse Bank.
The Agricultural Bank of China said that it will provide personal pension savings, wealth management products, insurance product transactions, consulting and other services one after another. "The next step will focus on the needs of personal pension services, effectively practice financial benefits to the people, do a good job in service connotation, do a good job in process experience, do a good job in protecting consumer rights and interests, and help build a more complete pension financial system. "
Minsheng Bank said that in terms of product configuration, it has always been committed to providing customers with stable and safe financial services, and actively responded to the requirements of the CBRC, and set up a "exclusive pension product series shelf" suitable for the third pillar personal pension account, covering four series of pension savings deposits, pension financing, pension fund consignment and pension insurance consignment to meet customers with different investment preferences. In addition, the bank's professional wealth management service team can provide customers with consulting services and asset allocation services with multiple objectives such as pension investment duration, liquidity, income and risk, and help customers better plan the investment portfolio of individual pensions.
Bank of Ningbo said that the bank has gradually introduced four categories of products: personal pension fund, wealth management, insurance and savings. At present, fund products have been launched, and wealth management, insurance and savings products are being systematically docked.