两部门最新通知！个人养老金账户可购买储蓄国债

Core Viewpoint - The Ministry of Finance and the People's Bank of China have issued a notification to include electronic savings bonds in the personal pension product range, supporting the development of a multi-tiered pension insurance system starting from June 2026 [1][3]. Group 1: Notification Details - From June 2026, institutions authorized to conduct personal pension business must provide services for purchasing electronic savings bonds to pension investors who have opened personal pension accounts [3]. - Institutions must establish dedicated savings bond accounts for pension investors to track their purchases and holdings of electronic savings bonds [3]. - The notification outlines that the funds and tax policies related to these accounts must comply with personal pension regulations [3]. Group 2: Issuance Quotas - The issuance quota for selling electronic savings bonds to pension investors will follow the guidelines set in the "Management Measures for the Issuance Quota of Savings Bonds" [4]. - The Ministry of Finance and the People's Bank of China will allocate basic sales quotas to authorized institutions, with a portion designated as exclusive quotas for pension investors [4]. - The distribution ratio of exclusive quotas will be adjusted quarterly based on the proportion of uninvested amounts in pension accounts [4]. Group 3: Additional Regulations - Institutions must separately manage the sales quotas for pension investors and other investors when utilizing unallocated quotas [5]. - Unused exclusive quotas will be reclaimed by the Ministry of Finance and added to the unallocated quotas the following day [5]. - The notification also includes requirements for the modification of business systems, information exchange between systems, and data reporting [6].