According to the regulatory requirements, Industrial Bank will open personal pension business in the pilot areas, and provide customers with personal pension account opening, fund deposit and product investment services through mobile banking, online banking and business outlets. At present, the functional service of Industrial Bank's personal pension account has been fully opened, and a special pension financial area has been opened in mobile banking, planning pension financial schemes, setting up pension activities and providing pension services.
The individual pension system is an old-age security system in which individuals voluntarily participate and the state gives preferential tax policies. Together with the basic old-age insurance (the first pillar), enterprise annuity or occupational annuity (the second pillar), it constitutes the "three pillars" of China's old-age security system. Insured persons need to choose qualified commercial banks to open special accounts for pension deposits, product investment and benefits, and can enjoy the maximum personal tax policy preferential amount of 12000 yuan every year to ensure the future pension life.
As one of the national banks that laid out pension finance earlier in China, Industrial Bank has been deeply involved in the system design and policy pilot of national individual pension, and has made long-term preparations for this, laying out in advance in terms of system construction, product reserve, channel expansion and customer service. At present, Industrial Bank is the first commercial bank to access Ministry of Human Resources and Social Security information platform, and it is also the first commercial bank to complete the system acceptance of CITIC Construction Investment Platform. It has the full-process service capability of personal pension account, and can provide customers with full-cycle personal pension service from account opening and fund deposit to financial management investment and fund withdrawal, meet the multi-channel, multi-functional and multi-scenario service needs, build a full-link, one-stop pension financial service ecosystem, and realize the transformation from "account" to "product".
According to the policy, the funds in the personal pension fund account can be used to invest in standardized, safe, mature and steady financial management, savings, insurance and Public Offering of Fund products, which has the characteristics of long-term, stability and inclusiveness, realizes the preservation and appreciation of pension assets, and greatly tests the comprehensive wealth management ability of commercial banks.
Industrial Bank continuously enriches product shelves around personal pension savings, personal pension financing products, personal pension insurance products and personal pension Public Offering of Fund products in which personal pension account funds can be invested, actively launches 1 13 high-quality funds under the personal pension account investment fund catalogue, selects a series of pension financing products with different maturities and four commercial pension insurance products, realizes full coverage of investment categories, and will actively carry out consignment cooperation and docking with domestic head fund companies and life insurance companies.
According to reports, as early as 20 12, Industrial Bank launched the first comprehensive pension financial service plan in China-"An Yu Life" to provide diversified services of "finance+life" for the elderly; In 20 16, the professional operation of pension finance was officially launched, and efforts were made to build comprehensive financial services for the whole chain of pension finance, becoming the only commercial bank that won the honor of "the best pension financial institution". At present, the bank's pension financial service customers have exceeded160,000, and its comprehensive financial assets under management have exceeded10.5 trillion yuan.