Personal enterprise annuity inquiry system enters

1. Enter the enterprise annuity webpage and click the "Account Management" function module; 2. Click "Individual Enterprise Annuity Query" in the drop-down menu to open the "Annuity Plan Query" function interface; 3. Switch to the "Asset Balance Query" page to query the asset balance of enterprise annuity.

2. If you want to inquire about the payment of enterprise annuity, you can switch to the "Payment Inquiry" page; If you want to query the change of enterprise annuity fund, you can switch to the "Fund Change Query" page; If you want to query the investment transaction of enterprise annuity, you can switch to the "Investment Transaction Query" page.

3. Extended information: Operation mode Enterprise annuity can be divided into two types: defined contribution type (also called DC plan) and defined treatment type (also called DB plan).

4. Payment of annuity By establishing personal accounts, enterprises and employees pay insurance premiums regularly according to a certain proportion (in which employees pay less or not), and the level of enterprise annuity when employees retire depends on the scale of capital accumulation and its investment income.

5. Its basic characteristics are: (1) simplicity and high transparency; (2) The payment level can be appropriately adjusted according to the economic situation of the enterprise; (three) the insurance premiums paid by enterprises and employees are tax-free, and their investment income is tax-free; (4) Employees bear relevant investment risks, and enterprises do not bear insurance payment obligations other than regular payment in principle; The advantages of annuity payment are: (1) simple and flexible, the employer does not undertake the obligation to provide a certain amount of pension in the future, and only needs to set a certain contribution rate according to the pre-calculated pension amount, and does not undertake actuarial responsibility, which can be borne by the life insurance company; (2) Pensions are included in personal accounts, which is very attractive to employees. Once participants terminate their pension plans before retirement, they can have a variety of options to dispose of their account balances; (3) The enterprise annuity of this plan does not need to participate in the reinsurance of the termination of the pension plan. If an employee encounters major financial difficulties, he can terminate the pension plan at any time without taking any responsibility.

6. Paying an annuity also has its own defects: (1) The pension for employees when they retire depends on the amount of personal account pension, and the pension level of employees who participate in pension plans at different ages is quite different after retirement; (2) Personal account pension is greatly influenced by the investment environment and inflation, and it is difficult to maintain and increase the value of pension under the condition of persistent inflation and poor investment income; (3) Paying an annuity encourages employees to receive a one-time pension when they retire, and terminates the pension insurance relationship. However, due to the large amount of one-time payment, retirees often have to endure higher income tax rates; In addition, the pension that pays the annuity is completely decoupled from the pension of the social security plan, and it is easy for different people to have high or low pension replacement rates.