deal!Chengdu becomes a pension city in Sichuan Province

On July 5, the reporter learned from the Sichuan Provincial Human Resources and Social Affairs Department that according to the General Office of the State Council on promoting the development of personal pensions, according to the relevant national work deployment, recently, the Sichuan Provincial Department of Human Resources and Social Security, together with the Sichuan Provincial Department of Finance and the State Administration of Taxation, The Sichuan Provincial Taxation Bureau has carried out the application of personal pension cities in Sichuan Province for 21 cities (states) in the province. Through voluntarily declare, apply for city statements, organize expert reviews, and consent of the provincial government, Chengdu is determined to be a cities in Sichuan's personal pension.

In the next step, Sichuan will launch the implementation of personal pensions in a timely manner in accordance with the relevant national deployment and requirements to promote the construction of multi -level and multi -pillar pension insurance systems in Sichuan, promote the sustainable development of the high -quality development of the pension insurance system, and meet the people of the people. The need for diversified pension insurance for growth allows individual pensions to add a pension accumulation based on the pillar of pension insurance, and further improve the level of pension income and elderly living security of the insured.

On the same day, the relevant person in charge of the Pension Insurance Office of the Sichuan Provincial Human Resources and Social Affairs Department answered the questions related to personal pensions.

1. What is personal pension?

Personal pensions refer to the supplementary pension insurance system with government policy support, voluntary participation, and market -oriented operation. It is an important part of a multi -level, multi -pillar pension insurance system.

The country attaches great importance to the construction of the third pillar pension insurance system, provides support through tax discounts and other policies, encourages the people to participate extensively, and achieves accumulating funds for value preservation and appreciation through market -oriented operations. Workers who participate in the basic endowment insurance of enterprise employees, the staff of the staff of institutions and institutions in the enterprise, or the workers of the staff of the institutions and institutions of the institution or the basic endowment insurance of urban and rural residents can participate in personal pensions.

2. Why should you establish a personal pension system?

The Party Central Committee, the State Council, and the Provincial Party Committee and Provincial Government have always attached great importance to the improvement of people's livelihood and social security, regarding social security as the basic people's livelihood project to improve people's lives, and the focus of pension insurance as the focus of the construction of social security systems. The basic pension insurance system model has established a multi -level development system framework, steadily promoting various tasks, and major progress in pension insurance work.

From the perspective of the three pillars of endowment insurance, the first pillar is the basic pension insurance, including the basic endowment insurance and the basic endowment insurance of urban and rural residents, including urban employees (corporate employees, staff of institutions). The combination of accounts reflects social support, has a relatively complete institutional system, and has continued to expand. The second pillar is an enterprise annuity and occupational annuity. It is established by the employer and its employees. It mainly plays a supplementary role and has a good foundation for development. The third pillar is the individual savings endowment insurance and commercial endowment insurance. There was no unified institutional arrangement of the country before, which was a shortcoming of a multi -level pension insurance system. In 2020, the Central Committee of the Communist Party of China on the Fourteenth Five -Year Plan for the Development of the National Economic and Social Development and the 2013 Vision Goals "proposed a multi -level and multi -pillar pension insurance system. In 2021 and 2022, the government's work report on the State Council proposed that the third pillar pension insurance should be regulated.

According to the decision -making arrangements of the Party Central Committee and the State Council, the General Office of the State Council issued the "Opinions on Promoting the Development of Personal Pension" in April this year, which is of iconic significance for the construction of multi -level and multi -pillar pension insurance systems. Personal pensions are the institutional arrangements of the country's third pillar. In addition, there are other personal business pension and financial business. Both are important part of the third pillar, complementing each other and promoting each other. The implementation of the personal pension system is conducive to adding another accumulation on the basis of basic pension insurance and corporate annuity and occupational annuity. After retirement, it can be more income, further improve the living standards after retirement, and make the life of the elderly more live. Guarantee and more quality.

3. How to receive personal pensions?

Personal pensions implement a personal account system, and participating in the personal pension information management service platform organized by the Ministry of Human Resources and Social Security to establish their personal pension account. Personal pension account has the only nature, and is the basis for participating in personal pensions and enjoying preferential tax policies. The funds in the personal pension funds account are used to purchase financial products such as bank wealth management, savings deposits, commercial pension insurance, and public funds that meet the requirements. Participants choose independently. From the perspective of international experience and domestic exploration, a variety of financial products participate in personal pensions, which not only conducive to meeting the needs of different groups, but also conducive to full market competition, prompting financial institutions to develop better financial products to participate in personal pensions.

After participating in personal pension personnel to obtain the conditions of receiving basic pensions, they can receive personal pensions on a monthly, sub -or one -time, and collect them to their social security cards. After the participants die, the assets in their personal pension funds account can be inherited. First, the collection conditions are linked to the basic pension, which can effectively guarantee the replenishment function. The second is to diversify the collection method for personal choice. The third is to collect personal pension benefits to my own social security card bank account, which is conducive to the integration and services of the three pillar pillar pension rights and interests, and provide support for adjusting and improving the pension insurance policy.

Sichuan Observation (Source: Red Star News)

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