Many banks actively "prepare for war" flows first, and personal pension accounts are ready to go

China Times (chinatimes.net.cn) reporter Liu Jia Beijing report

Following the "Personal Pension" account for a small number of guests for a small number of guest groups, joint -stock banks have also opened the "Personal Pension" area.

Among them are China Merchants Bank, Ping An Bank, CITIC Bank, and Industrial Bank.

Although the specific implementation rules for the personal pension account have not yet been announced, they have seen policy interpretation and investor education in the "Personal Pension" area that have been launched from the APP of various commercial banks.

Even some banks have launched a "personal pension activity" to draw cash red envelopes to lock the customer's only personal pension capital account.

A customer battle was quietly launched. "Traffic is king", and so is it for banks.

Many banks actively "prepare for war"

On April 21 this year, the General Office of the State Council issued the "Opinions on Promoting the Development of Personal Pensions" (hereinafter referred to as "Opinions").

The "Opinions" clearly pointed out that the personal account system is implemented by personal pensions, and the payment is fully borne by the participants and fully accumulate; the participants should designate or open an only personal pension account account for personal pension funds, for personal pension payment, and the payment of personal pension funds. Municipal income, pay and pay personal income tax.

The "Opinions" also pointed out that personal pension funds account funds are used to purchase financial products such as bank wealth management, savings deposits, commercial pension insurance, and public funds.

It can be seen that the personal pension account system is not only to establish a pension savings account, but more importantly, through the asset -side system arrangement, optimize the structure of personal and home asset allocation, and convert some of the "defensive savings" with low expected return on yields into "Time Investment", so as to achieve cross -periodic optimization of residents' financial assets.

In short, the transformation of savings pension to investment pensions can effectively exert the advantages of "long -term" funds and solve customers' pension planning in the third pillar.

"With the changes in the domestic population structure, the third pillar of the third pillar in the future is broad, and no bank can ignore it." A commercial bank staff told the "Huaxia Times" reporter.

In fact, many banks have already rubbed their hands and aimed at this blue sea.

At the beginning of September, the state -owned bank took the lead in testing the first batch of personal pension accounts in a small scope. Test customers could check the relevant "personal pension" area in the mobile phone bank app. Due to the internal testing stage, there is no product on the shelves.

Coincidentally, China Merchants Bank set up a "personal pension" functional area in the APP, which includes three modules: social security account, corporate annuity and personal pension.

Under the personal pension module, the relevant knowledge of personal pension is introduced in detail. Relevant staff of China Merchants Bank told the reporter of the Huaxia Times that because the personal pension function has not yet been opened, it is just an appointment reminder. After subscribing, customers will prompt "Subscribe". The subsequent business will be officially opened to send notifications through the APP for the first time. There will be some related information during this period for customers to refer to it.

However, the behavior attracts customers to subscribe. There is a "appointment" floating window on the right side of the page. Customers can randomly draw cash red envelopes after subscription, the maximum amount is 66 yuan.

The bank clearly states in the activity rules that the target of red envelopes must be a category I or Noodle Class II debit card customers, with a total of 300,000 red envelopes. With the amount of amount pushing, the bank also increased a lot of material investment.

CITIC Bank's page display is the same as China Merchants Bank. In the "Happiness+" pension ledger launched by the bank, it also covers the functions of electronic social security cards, corporate annuities, and personal pensions. After clicking into the personal pension module, it is also an introduction to personal pensions.

In addition, Ping An Bank has set up an old -age care zone in the Ping An Pocket Bank APP. At present, only the user's personal pension calculation, pension insurance, fund and other business introduction are provided.

Industrial Bank also launched the "Personal Pension" function in its APP. This page only has the interpretation of the first pillar, the second pillar, and the third pillar of the pension, but the service has not been opened.

"Huaxia Times" reporters also consulted the Industrial and Commercial Bank of China and the Bank of Communications APP. The above two banks only have personal pension calculations, pension insurance, wealth management funds and other business introductions. There are no more content modules.

"From the current point of view, many banks are actively 'preparing for' personal pension account business. Because the business involves software and hardware facilities, it is necessary to fully communicate with the regulatory authorities. Ready, it is also related to the comprehensive evaluation of supervision. "Zhou Maohua, an analyst of the Financial Market Department of Everbright Bank, told the reporter of the Huaxia Times.

The only account needs to be carefully selected

It is opportunities and challenges. Faced with the only personal pension fund account, how can banks thicker products and services to lock customers?

According to Chen Yuan, a senior partner of the equity of Beijing Yingke (Shanghai) Law Firm, whether financial products are safe, mature and stable, the subject specifications, and focusing on long -term value preservation to meet different investors' preferences. The key is.

"The decision -making decision to open an account account is also affected by the quality of bank services. For example: whether the business is fast and efficient, whether the online and offline scenes can be combined with online and offline scenes, whether the service is more temperature, whether the customer's difficulty, pain point, etc." The "Huaxia Times Newspaper, etc." "Reporter analysis said.

It can be seen from the construction of various bank pensions. The purpose is to create a one -stop service platform for pension finance including pension accounts. Su Xiaorui, a senior analyst of the financial industry, told the reporter of Huaxia Times that as an important carrier for the elderly business, bank institutions need to keep up with the characteristics of the Internet "silver -haired economy" and the opportunity of the structure of the "young state". We will increase the popularity to the elderly groups with digital channels, and bring together exclusive services, stolen guarantees, pension -associated development, financial anti -fraud classrooms, etc. to form a unified platform for pension financial services. It can also focus on the historical opportunities brought by pension finance. Through the creation of innovative products and the provision of high -quality services, customers have conscious and interest to open their accounts.

However, after the establishment of a personal pension account, the account is closed to operate, and its equity is owned by the participants. Except for other regulations, it is not allowed to withdraw in advance.

Chen Yuan reminded that "Opinions" pointed out that participants can change personal pension funds accounts, transfer the funds in the original personal pension funds account to the new personal pension fund account and cancel the original fund account, but considering changing the change The account needs to pass through the information platform verification and the limitation of the financial product period of the configuration, and the resistance may be greater in the middle of the way.

Su Xiaorui also holds the same view. She said that the customer needs to choose carefully when opening the only account. If you want to change to other service banks in the future, you need to go through a more complex process procedure. Therefore, customers can make comprehensive judgment based on their own understanding and familiarity, bank service level, and habits of use.

Editor -in -chief: Meng Junlian Editor: Zhang Zhiwei

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