In November, there were new movements for the elderly!

There are new actions for the elderly, and the pilot pilot of specific pension is coming!

Four major banks and five cities pilot pension savings

近日，银保监会和人民银行联合发布了《关于开展特定养老储蓄试点工作的通知》，自2022年11月20日起，由工商银行、农业银行、中国银行和建设银行在合肥、广州、成都、 Xi'an and Qingdao City carried out pilot pilots.

The pilot period is tentatively set for one year. During the pilot stage, the total scale of the special pension savings business of the single pilot bank is limited to less than 10 billion yuan.

Why choose five cities and four major banks for pilots? Dong Ximiao, chief researcher at Zhailian Financial, told China New Finance that this pilot was carried out in five cities in Hefei, Guangzhou, Chengdu, Xi'an, and Qingdao. Pilot cities cover East China, South China, Southwest and Northwest China, which helps to understand and master the pilot through pilots. The demand for pension savings in different regions for pension savings. Four large banking institutions have many outlets, rich online and offline service channels, and huge existing customer groups. In the four large banks, the pilot savings pilots are the first to help better meet the needs of the majority of residents' pension savings. Residents handle the care of pension savings.

Data map. Photo by Zhang Yun

What is different from previous savings deposits?

Specific pension savings products include three types: rectification, zero deposit, and rectification. The product period is divided into 5 years, 10, 15 years, and 20 years. Time deposit interest rate. The principal of the deposit of a special pilot savings product in a single pilot bank is 500,000 yuan.

Dong Ximiao analyzed that compared with ordinary savings deposits, specific pension savings products have three characteristics: long term, many varieties, and high interest rates.

The first is the long term, with a total of 4 periods, a minimum of 5 years, and a maximum of 20 years. The second type of pension is in line; Different demand for reserved households; again, high interest rates, slightly higher than large banks' 5 -year regular deposit interest rates, lock high interest rates at the downward cycle of interest rates, and may also enjoy tax incentives in the future. The restriction of 500,000 yuan per person in a pilot bank in a single house, which will allow more people to participate in the pilot pilot pilot.

What practical significance and role?

The China Banking Regulatory Commission and the People's Bank of China have decided to carry out a pilot pilot of specific pension savings, in order to continue to promote the reform of pension financial reform, enrich the supply of third pillar pillar pension financial products, and further meet the people's diverse pension needs.

Dong Ximiao said that my country has entered an aging society, but at present, my country's multi -level pension guarantee system has insufficient development and uneven development. The third pillar is that commercial pension protection has just started. Therefore, to accelerate the innovation of financial products in the pension field, give full play to the supplementary role of the third pillar pension protection, it will better provide diversified financial services for the pension field, and then make our pension security system more perfect.

In Dong Ximiao's view, this specific pension savings pilot is based on my country's public savings preferences to innovate products and services, which will help further enrich the supply of pension financial products. It meets the public's demand for the third pillar pension protection.

Is it worth buying? More suitable for low -risk preference residents

The person in charge of the relevant departments of the CBRC has previously introduced that the specific pension savings business takes into account the inclusiveness and pension nature, the product period is long, the income is stable, and the principal and interest are guaranteed, which can meet the pension needs of low -risk preference for residents.

The director of the Shanghai Financial and Development Laboratory once told the media that the demand for pensions of the people presents diversified characteristics, which means that there must be differences in risk and income in pension financial products. Specific pension savings products are obviously more suitable for customer groups with lower risk preferences. Another potential advantage of this product is that if you purchase it through personal pension funds account funds, you can enjoy a national tax preferential policy.

Dong Ximiao suggested that from the product itself, it is suitable for those groups with low risk preferences, low requirements for liquidity, and pursuing fixed income, which is compatible with the long -term care needs of residents. In the next step, we should further enrich the elderly savings products and optimize the period structure. You can also take some temporary liquidity support measures. If you encounter the illness of the storage households, provide some of the services such as in advance and deposit pledge to better meet the diversified needs of the majority of users.

It is reported that in the next step, the China Banking Regulatory Commission and the People's Bank of China will closely track the pilot pilot of specific pension savings, strengthen supervision and management, ensure the safe and stable development of pilots, and effectively safeguard the legitimate rights and interests of consumers. At the same time, summarize the evaluation pilot situation in a timely manner, study and promote pilot experience in a timely manner, and promote the construction of multi -level and multi -pillar pension insurance system for commercial banks.

Source: China News Network

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