6类人可提前领个人养老金

Core Viewpoint - The new regulations for personal pension accounts will allow participants to withdraw funds under six specific conditions starting from September 1, 2025, enhancing flexibility in response to economic or health challenges [1][2]. Summary by Relevant Sections Conditions for Withdrawal - Participants can apply for personal pension withdrawals if they meet one of the following six conditions: reaching the age for basic pension withdrawal, complete loss of labor capacity, settling abroad, incurring significant medical expenses exceeding the previous year's average disposable income in their province, receiving unemployment insurance for 12 months within the last two years, or currently receiving minimum living security [1][2]. New Withdrawal Scenarios - The most notable change is the addition of three new withdrawal scenarios aimed at addressing significant adverse events such as major medical expenses, long-term unemployment, and financial hardship, which reflects a balance between strict pension positioning and providing emergency cash flow for individuals [2]. Application Process Optimization - The application process has been improved with new online service options, including the National Social Insurance Public Service Platform and the 12333 App, in addition to the existing bank application method [2]. Market Development and Challenges - Despite the "hot account opening, cold payment" phenomenon, the personal pension market is steadily developing, with over 70 million accounts opened and a total of 1,100 investment products available [5]. The total scale of personal pension funds has exceeded 12.4 billion, with a significant number of funds showing positive returns [5]. Impact on Capital Markets - The increase in withdrawal scenarios may lead to some funds exiting the capital market earlier, but the overall impact on total capital market funds is expected to be limited as participants can continue to contribute after withdrawals [6]. In the long term, the growth in personal pension participation is anticipated to bring more stable capital inflows into the market, promoting healthy development [6].