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165438+1October 25th, after the implementation of the personal pension system, many commercial banks quickly launched personal pension business, and customers have successfully opened personal pension accounts.

According to the arrangement, in 36 major cities or regions such as Beijing, Shanghai, Guangzhou, Xi and Chengdu, people can set up individual pension accounts through national social insurance service platforms or online service portals such as commercial banks, and open individual pension fund accounts through commercial banks.

The China Banking Regulatory Commission has previously identified the first batch of commercial banks and wealth management companies that provide personal pension services, including 6 large banks, 5 city commercial banks and 1 1.

According to the reporter's incomplete statistics, as of press time, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Postal Savings Bank, Industrial Bank, China CITIC Bank, China Everbright Bank, Zheshang Bank, Guangfa Bank and Bank of Ningbo have announced the opening of personal pension business to provide customers with one-stop services such as account opening, fund payment and product subscription.

At present, various financial institutions have prepared personal pension financing products, personal pension insurance products and personal pension Public Offering of Fund products. The reporter learned that personal pension insurance products have taken the lead in placing orders, and China Life Insurance Company and National Pension Insurance all announced that they have placed orders to underwrite personal pension insurance.

Many banks teach by hand, and personal pension accounts are opened in this way.

To participate in personal pension business, customers need to open personal pension accounts and personal pension fund accounts first. These two accounts are unique and correspond to each other.

Among them, the personal pension fund account refers to a special account with the functions of personal pension payment, transaction fund transfer, income collection, personal income tax payment, information inquiry and so on.

Personal pension account is used to register and manage personal identity information, which is associated with the basic old-age insurance and records the payment, investment, collection, deduction and payment of personal income tax of personal pension, which is the basis for the insured to participate in personal pension and enjoy preferential tax policies.

Participants can only choose a qualified commercial bank to determine a capital account, and a commercial bank can only open a capital account for the same participant.

Then, how to open personal pension accounts and personal pension fund accounts in commercial banks?

Take China Construction Bank as an example. The bank said that it will open online and offline omni-channel personal pension business to provide customers with one-stop services such as account opening, fund payment and product subscription.

A number of banks announced the launch of personal pension business at the first time. China Industrial and Commercial Bank said that it has officially launched personal pension business in 36 pilot areas of the national personal pension system. The Agricultural Bank of China said that it has fully opened the services of opening, depositing, receiving and purchasing personal pension fund accounts, and will provide services such as personal pension savings, wealth management products, insurance product trading and consulting.

The Postal Savings Bank said that it has set up a special pension financial service area in mobile banking. In this area, customers only need to select a Class I account as a binding account for verification. After face recognition and setting account passwords, they can open personal pension accounts and personal pension fund accounts at the same time.

CITIC Bank said that personal pension fund accounts are rich in functions, support deposits from any channel, visually display the amount paid and remaining payable in the current year, support account inquiry, transaction details inquiry, tax deferred voucher download and other functions, enjoy personal pension tax concessions, pension product investment and other services, and do not charge account management fees, SMS fees, transfer fees and so on.

They successfully opened an individual pension account.

At present, customers have successfully opened personal pension accounts.

165438+1At 3pm on October 25th, Ms. Zhang successfully opened an individual pension account in China Construction Bank Beijing Xuanwu Sub-branch, and successfully made the first deposit. It took less than 2 minutes to become the first customer of China Construction Bank after it officially started the individual pension business.

On the afternoon of the same day, Bai Tao, Party Secretary and Chairman of China Life Group, walked into the business hall of Beijing Financial Street Sub-branch of Guangfa Bank, and completed the whole process of opening and depositing personal pension fund accounts through the mobile banking APP of Guangfa Bank. Bai Tao became the first customer of Guangfa Bank to open an individual pension fund account, and the whole process took less than 1 minute.

In order to "seize the beach" in the personal pension business market, banks have formulated a variety of marketing strategies. Guangfa Bank launched the exclusive activity of "early planning and handling gifts" for personal pension. From now until June 5438+ 10 next year, customers can receive benefits by opening a personal pension fund account of Guangfa Bank and depositing the corresponding amount.

Personal pension products have been sold by institutions for the first time.

With the opening of personal pension accounts, consumers are most concerned about which personal pension products they can buy.

According to the arrangement, the funds in the personal pension fund account can be used to purchase financial products that meet the requirements, such as bank wealth management, savings deposits, commercial pension insurance, fund public offering, etc. , safe, mature, stable, standardized, focusing on long-term preservation, can meet the preferences of different investors. Specifically, participants can make their own choices.

The reporter learned that at present, various financial institutions have prepared personal pension financing products, personal pension insurance products and personal pension Public Offering of Fund products. Among them, personal pension insurance products have been issued, and China Life Insurance Company and National Pension Insurance have announced that they have issued bills for underwriting personal pension insurance.

A few days ago, official website, Yin Baoxin, China, disclosed the list of the first batch of personal endowment insurance products, including 7 endowment insurance products from 6 companies.

165438+1On October 25th, China Life Insurance Company and its customer Mr. Wang successfully signed the first individual endowment insurance policy of China Life Insurance. In addition, national pension insurance-national * * * and personal pension insurance exclusive to the rich have also been underwritten.

As for individual pension funds, on June 5438+065438+1October 18, the CSRC officially released the list of individual pension funds and the list of individual pension fund sales organizations. As of June165438+1October 18, 40 fund companies' 129 products were included in the catalogue of individual pension funds, and 37 sales organizations were selected into the catalogue of individual pension funds.

165438+1On October 25th, many fund companies, such as E Fund, Huaxia, Tian Hong, Huaan and Xing Zheng Universal, announced the opening of their daily subscription and regular fixed investment business of Y-type fund shares. On the whole, the subscription start date of most pension fund Y shares is165438+1October 28th.

It is understood that in order to provide a wide range of high-quality personal pension products, banks have increased their cooperation with product distribution and sales organizations to do a good job in product selection, distribution and sales.

As for personal pension financial products, according to the arrangement of CBRC, personal pension financial products include pension financial products and other financial products with stable investment style, mature investment strategy and stable and compliant operation, which are suitable for long-term investment or liquidity management of personal pension.

By the end of June, 27 wealth management products for the elderly had been sold, and 2,365,438+0,000 investors had subscribed for more than 60 billion yuan. A number of banks have stocked pension wealth management products. For example, China Construction Bank * * * sells 9 pension wealth management products on a commission basis, and the product scale ranks in the forefront of the industry; Industrial Bank enriches product shelves and reserves a series of wealth management products for the elderly covering different periods.

In terms of personal pension savings, the pilot project of specific pension savings has been launched recently, and the four major banks have carried out pilot projects in Hefei, Guangzhou, Chengdu, An and Qing.

This kind of new products will also be listed on the "shelves" by banks. Bank of Ningbo said that personal pension financing, insurance and savings products are being systematically connected. Guangfa Bank said that it will actively introduce exclusive products such as old-age savings in product supply to meet the needs of investors of different ages and different risk preferences.