What are the requirements for opening an individual pension account?

165438+1On the afternoon of October 25th, Ministry of Human Resources and Social Security announced the implementation of the individual pension system. 36 leading cities or regions such as Beijing, Shanghai, Guangzhou, Xi and Chengdu can establish individual pension accounts through national unified online service portals such as national social insurance public service platform, national social service platform and electronic social security card "Pocket 12333APP" or commercial banks.

This also means that the first batch of 23 short-listed banks can officially open individual pension accounts through online or offline channels. Banks that can accept personal pension accounts are: ICBC, Agricultural Bank, China Bank, China Construction Bank, Bank of Communications, Postal Savings Bank and other six state-owned banks, CITIC Bank, China Everbright Bank, Huaxia Bank, Minsheng Bank, China Merchants Bank, Industrial Bank, Ping An Bank, Guangfa Bank, Shanghai Pudong Development Bank, Zheshang Bank, China Bohai Bank, hengfeng bank and other 12 joint-stock banks, and Bank of Beijing.

The reporter found that after searching for "personal pension" through a state-owned bank App, you can enter the account opening page of personal pension account, and then bind the bank card account to view and read the agreement on personal pension account service agreement, personal information authorization of personal account opening business, personal information authorization of personal pension information management service platform, and personal pension bank insurance industry information platform. , and verify the account opening by brushing your face. The operation process is simple and quick.

According to the reporter's actual measurement, a state-owned big bank App has opened a personal pension account service.

On the App of a joint-stock bank, the reporter also searched for "personal pension". You can open a bank personal pension account after you have verified your identity with the mobile phone verification code, face information and personal payment password, and the account opening process only takes 1 minute.

The reporter measured that a joint-stock bank App opened a personal pension account service.

A banking analyst pointed out that the personal pension account system has brought new development opportunities to commercial banks. It not only provides more opportunities for commercial banks to handle personal financial business, but also brings capital precipitation to commercial banks in account investment, which is helpful to enrich the sources of deposits of commercial banks. At the same time, commercial banks can also enrich their income sources by providing services such as custody.

The reporter learned from the bank that there are three prerequisites for opening a personal pension account at present: First, the identity condition. According to the relevant requirements of Ministry of Human Resources and Social Security, those who participate in individual pension services must be the insured persons of basic endowment insurance for urban workers or basic endowment insurance for urban and rural residents. Second, the geographical conditions should be within the scope of the first batch of cities announced by Ministry of Human Resources and Social Security. Third, compliance conditions. Just like opening an ordinary bank account, it should meet the regulatory requirements such as anti-money laundering and real-name registration system and relevant bank rules and regulations, and there should be no abnormal account opening behavior.

At present, the leading cities for personal pension are: Beijing, Tianjin, Shijiazhuang and xiong'an new area in Hebei, Jincheng in Shanxi, Hohhot in Inner Mongolia, Shenyang and Dalian in Liaoning, Changchun in Jilin, Harbin and Shanghai in Heilongjiang, Suzhou in Jiangsu, Hangzhou and Ningbo in Zhejiang, Hefei in Anhui, Nanchang in Fujian, Nanchang in Jiangxi, Qingdao and Dongying in Shandong, Zhengzhou in Henan, Wuhan in Hubei, Changsha in Hunan and Guangzhou in Guangdong. Nanning, Guangxi, Haikou, Hainan, Chongqing, Chengdu, Sichuan, Guiyang, Guizhou, Yuxi, Yunnan, Lhasa, Tibet, xi 'an, Shaanxi, Qingyang, Gansu, Xining, Qinghai, Yinchuan, Ningxia, Urumqi, Xinjiang and Fujian.

According to reports, personal pension fund accounts have six characteristics: First, the "uniqueness" of opening an account. The public can only choose qualified commercial banks and open the only personal pension account under their names after being verified by Ministry of Human Resources and Social Security Information Platform.

The second is the "particularity" of the nature of the hukou. This account is a special class II account, but different from ordinary class II accounts, the transfer, withdrawal and investment of funds in this account are not limited by the amount, so it is more convenient to use.

The third is the "freedom" of account deposits. The deposit limit of this account is 65,438+02,000 yuan per natural year, but it can be withdrawn freely by month, installment and year, and there are no restrictions on deposit frequency and single deposit amount. , and it is not mandatory to pay fees continuously every year or month.

The fourth is the "closedness" of account operation. The account is closed, and the funds in the account can be in the form of demand deposits, and can also be used to purchase personal pension savings, wealth management products, insurance and Public Offering of Fund products that meet regulatory requirements. In addition, it does not support any other financial functions, such as withdrawal and transfer. Only when you reach the age of receiving basic pension, completely lose the ability to work, go abroad (border) to settle down or other circumstances stipulated by the state, can you receive personal pension by month, by stages or at one time.

The fifth is the "autonomy" of account investment. The public can decide the above-mentioned asset allocation scheme and investment plan independently, including but not limited to investment varieties, investment amount, transaction frequency, etc. But at your own risk.

Sixth, the "preferential nature" of individual tax payment. In the payment link, the individual's contribution to the account is deducted from the comprehensive income or operating income, that is, "tax base deduction"; In the investment link, personal income tax will not be levied on investment income for the time being; In the process of collection, individual income tax is paid separately at the rate of 3%.

It is understood that individual pension is an old-age security system based on the account system, in which individuals voluntarily participate and the state gives preferential tax policies. Personal pension is a system supported by government policies, voluntary participation by individuals, market-oriented operation and supplementary functions of pension insurance. Also known as "the third pillar of endowment insurance". Together with the basic old-age insurance (the first pillar is the social public pension), enterprise annuity or occupational annuity (the second pillar is the joint payment of units and employees), it constitutes the "three pillars" of China's multi-level and multi-pillar old-age security system.