Can I apply for a pension from Harbin Bank for the first time?

It's the first time to pick it up and go through the bank-related formalities, and you need to go in person.

Retiree survival certificate

1. Certification scope: All retirees from insured enterprises and individual retirees who have gone through the formalities of receiving basic pension belong to the certification object.

2. Certification time: once a year: May 1 to June 30 (except legal holidays), from 8: 30am to11:30pm every Monday to Friday. (Some provinces and cities stipulate that the birthday month of the witness can be postponed to February. )

Third, the authentication method:

(a) people who are healthy and live in the local area must hold their valid identity documents to apply for survival certificates at the local social insurance service hall.

(two) living in the local area, due to illness and hospitalization, life can not take care of themselves and other reasons can not participate in the survival certificate, by their relatives to the unit, community or hospital issued a certificate, sent to the social security bureau.

(three) people living in different places can go to online certification. The premise is that the place where retirees are certified must have internet access and camera equipment. The so-called online certification refers to the mode that retirees go to the window of social security institutions in different places (places of residence) for online remote authentication.

4. Precautions: Those who fail to participate in the survival certification within the time limit will be suspended from paying their basic pension, and will be reissued after participating in the survival certification.

Retirement fee is a part of the service remuneration paid to employees of enterprises or institutions in one lump sum or several times after retirement. The retirement measures formulated by enterprises should be conducive to improving the enthusiasm of employees, providing them with a sense of security, social stability and improving the efficiency of enterprises.

Through the way of pension financing

In practice, the ways of raising pensions formulated by enterprises can be divided into two ways: funded retirement and unfunded retirement.

Retirement measures for deposit funds

Enterprises withdraw retirement funds and hand them over to independent trust institutions, such as banks or insurance companies for safekeeping and use. When employees retire, the trust pays the pension from the retirement fund. If an enterprise fails to fully fulfill its obligation to pay pensions, it may not withdraw pension funds.

Retirement measures for non-deposit funds

If the enterprise fails to withdraw the pension fund and deliver it to the trust institution for safekeeping and use, or if the enterprise withdraws the pension fund but delivers it to the trust institution for safekeeping and use, when the employee retires, the enterprise will raise funds by itself to pay the pension. Compared with the retirement method of deposit fund, this method lacks the protection of employees' pension.

Determination of pension payment

Retirement methods can be divided into defined contribution pension plan and defined benefit pension plan according to the way of determining pension payment.

The agreed deposit method is that the enterprise shall, in accordance with the provisions of the retirement measures, withdraw a certain amount of retirement fund every year and hand it over to the trust institution for safekeeping and use, and pay the retirement fund belonging to the employees to the retired employees when they retire. Usually, the fixed fund is withdrawn according to a certain proportion of the employee's salary (such as 5% of the salary) every year. The pension that employees can get when they retire depends on the amount deposited and the interest generated, and the enterprise does not guarantee the amount of pension payment. The amount of pension withdrawn by an enterprise in each period is the pension cost that should be confirmed in the current period. The accounting treatment of the agreed deposit method is relatively simple. When withdrawing, you can debit the pension cost and credit cash, and there are no other entries. Most enterprises in our country adopt this method.

The agreed retirement payment method is that the enterprise promises to pay a certain amount of pension in one lump sum when employees retire, or pay a certain amount of pension in installments when employees retire; As long as the enterprise has the ability to fulfill the obligation of paying pensions when employees retire, it is up to the enterprise to decide whether to withdraw pension funds on time. Under this method, the amount of pension is usually determined according to the employee's salary level and service years, or both or only one of them, such as service years. The former is called the final wage method, and the latter is called the fixed payment method.

Withdraw retirement funds according to whether employees participate or not.

Retirement methods are divided into * * * contributory pension plans and non-* * contributory pension plans according to whether employees participate in withdrawing retirement funds.

* * * The same retirement pension withdrawal method is that enterprises and employees jointly withdraw retirement funds, which are kept and used by independent trust institutions, and the withdrawal ratio of both parties is not necessarily the same. If employees leave early, they can recover their principal and interest, and whether they can share the funds withdrawn by the enterprise depends on the provisions of the retirement measures. In China, retirement funds are jointly drawn by the state, enterprises and employees.

Not * * the same retirement pension way is that all retirement funds are co-ordinated by enterprises, and employees do not participate in co-ordination. Most retirement plans in the United States belong to this method.

According to the payment method of pension

Retirement methods can be divided into one-time payment and installment payment according to the payment method of pension. The former refers to the one-time payment of pension for employees after retirement. After the enterprise pays the pension, it has no obligation to pay the employee's pension. The latter refers to the payment of pensions in installments from retirement to death, such as monthly or annual payment of pensions.

Private pension plan is a project to provide retirement income for company employees. Private pension plans receive special tax treatment according to their profitability, coverage and profitability standards. In the United States, centralized private pension has become an important financial intermediary, and its total assets have reached 1.9 trillion US dollars in 1989. By contrast, the total market value of all listed stocks and bonds in 1989 new york Stock Exchange is 4.4 trillion US dollars. In other words, the total assets of the pension plan are enough to buy about 40% of all stocks and bonds listed on the new york Stock Exchange. For individuals, the pension plan replaces the current wage income and personal savings with retirement allowances provided by future employers. If both (future pension income and current salary savings) provide the same amount of pension income, and the cost of implementing these two methods to give up current consumption is the same, people will not care too much about the difference between them. The favorable tax rate will create a preference, which makes people tend to save through the pension plan organized by the employee's company, rather than directly saving themselves. For companies, pension plans have two basic functions. First of all, retirement allowance replaces salary. Second, the pension can provide a source of funds for the company, because the promised future retirement allowance does not need to be paid in cash now. The US tax-free code provides additional income for the pension plan financing business.