Many banks have launched the first "personal pension" function to prepare for the only person's pension fund account to open

The 21st Century Economic Herald reporter Li Yue Beijing reported "Opinions on Promoting the Development of Personal Pension" (hereinafter referred to as "Opinions") for nearly five months, and various financial institutions are preparing for various preparations. As the biggest beneficiary under the personal pension account, how to attract customers to open the only personal pension fund account, bank institutions have begun to make efforts.

Recently, the 21st Century Business Herald noticed that China Merchants Bank opened the "personal pension" function in the APP. This page introduced in detail what is personal pension, and reminded customers to subscribe. Notice of the application for open pension function. In order to attract customers to subscribe, cash red envelopes can be drawn after subscribing, with a maximum amount of 66 yuan and a total of 300,000 red envelopes. The activity time is from August 31st-September 30th.

"The red envelope was drawn, but the amount was less than 1 yuan." At least two people who subscribed to China Merchants Bank's "Personal Pension" open reminder function told the 21st Century Business Herald reporter.

Not only China Merchants Bank, as early as May of this year, CITIC Bank opened the pension ledger function in the APP. This function has the "personal pension" option. However Please look forward to". As of now, the content of this page has not changed.

The Industrial Bank APP shows that the bank also launched the "personal pension" function, but the page only has the explanation of the first pillar, the second pillar, and the third pillar of the pension on this page without any content. "The preparation of the related business of personal pension accounts has been basically completed. After the policy is landed, customers can open a personal pension fund account through the channels of mobile banking, counter and other channels." As early as April this year, Xingye Bank explained.

At the same time, the 21st Century Economic Herald was issued during the search of the Five Chamber APPs with "personal pensions". This function was not displayed. Some banks have pension -related functions, but they have nothing to do with personal pensions. For example, the Bank of Communications APP "Pension Finance" pages include deposits, funds, insurance and other products, but not all products are pension financial products, and at the same time, they can inquire about basic pension insurance and annuity.

However, some media reports said that there are already state -owned banks who have the first small part of a small part of the personal pension account for the first small number of customer groups. Relevant customers can see the "Personal Pension" area on the bank's mobile banking APP. The area shows "You have not signed a personal pension account" and set up the "Signing" button, but there is no product on the shelves.

"In terms of practice, many commercial banks have participated in the docking and testing of the personal pension information management service platform system organized by the Ministry of Human Resources and Social Security. The implementation of the personal pension supporting system is ready. "On April 29, Liu Feng, the secretary -general of the China Banking Association, revealed.

Han Qiang, general manager of the Pension Business Department of the ICBC in June, explained that the bank is under the guidance of the supervisory department of the Ministry of Human Resources and Social Security and the CBRC, and under its guidance, accelerate the establishment of account opening, capital deposit, product investment, product investment, , Treatment receipt, such as the personal pension account system of full life cycle services, and actively docking with the information platform and the financial industry platform of the Ministry of Human Resources and Social Security to provide infrastructure and services for the next step of policy landing; Bank of Communications Bank In August, it also disclosed that the bank is closely cooperating with the regulatory authorities to actively carry out various business preparations for personal pensions in accordance with the policy requirements, and continuously enrich the supply of personal pensions and personal business pension financial products.

At the midterm performance conference, Chen Huaiyu, deputy president of Bank of China, told reporters of the 21st Century Business Herald that after the "Opinions" was issued, the bank set up a special working group for the first time to actively communicate with regulatory agencies. Carry out system construction and product preparation.

The "Opinions" clearly states that personal pension participants should designate or open a personal pension account account for personal pension for personal pension payment, collecting income, payment and personal income tax. Personal pension funds accounts can be designated or opened by participants in compliance with the prescribed commercial banks, or they may be specified through other financial product sales institutions that meet the prescribed financial product. At the same time, when participants change the bank account of the personal pension funds account, they should transfer the funds within the original personal pension funds account to the new personal pension fund account and cancel the original capital account after being verified by the information platform.

A banking industry believes that various commercial banks will inevitably attract customers in various ways to open personal pension funds accounts on the bank, and to retain customers, they will also enrich their pension financial products as much as possible and provide high -quality pension financial services as much as possible. Essence

"As the main carrier of the personal pension account, the service of commercial banks should be 'one step forward', with more convenient operation processes, more easy -to -understand investment advisory interpretations, and more humane services, minimize residents' pension wealth reserves The threshold for management provides help for ordinary people who do not have professional investment capabilities; at the same time, give full play to the advantages of online and offline omni -channel, and combine the living scene of residents to promote the personal pension system to benefit more residents. " The department person said.

- END -