Core Insights - The personal pension system in China is gaining attention as the aging population increases, with commercial banks playing a crucial role in enhancing service quality and activating the market [2][9] - China Bank is shifting its approach from a product-oriented to a demand-oriented service model, focusing on customer needs and comprehensive support [2][8] Market Situation - There is a phenomenon of "hot account openings but cold contributions" in the personal pension market, attributed to a lack of understanding of policies, limited tax benefits, market volatility, and concerns from younger individuals about long-term fund locking [2][3] - Public awareness and willingness to participate in the personal pension system are gradually improving, with significant positive effects on supplementary retirement savings [3] Product and Service Development - China Bank is expanding its range of personal pension products, currently offering the most diverse selection among major commercial banks, with 276 products available by mid-2025 [7][10] - The bank is implementing an automatic contribution feature and enhancing professional investment consulting services to encourage continuous contributions and develop saving habits [4][11] Investment Strategy - The core advantages of personal pension accounts include tax benefits, exclusivity, long-term nature, and autonomy, which help customers develop saving habits and ensure financial security for retirement [6][9] - China Bank is constructing a "pyramid" product system to balance risk and return, encouraging clients to invest long-term with a focus on stable returns [5][11] Customer Engagement - The bank is committed to providing a comprehensive service ecosystem that includes retirement planning, asset allocation, and lifestyle support, catering to various customer needs throughout their life stages [10][12] - A focus on financial education and community engagement is being emphasized to protect the rights of elderly financial consumers and promote rational investment practices [12]

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作为养老"第三支柱"的重要组成部分，2022年11月，个人养老金制度在36个城市（地区）先行实施； 2024年12月，个人养老金制度推向全国。人社部数据显示，个人养老金制度实施两周年之际，已有超 7000万人开通个人养老金账户。 该制度实施以来，产品货架不断丰富。根据国家社会保险公共服务平台数据，截至10月7日，衔接个人 养老金制度的储蓄、基金、保险、理财产品分别为466只、302只、376只、37只，总量达到1181只。 个人养老金制度设计也在不断优化。例如，今年9月1日起施行的《关于领取个人养老金有关问题的通 知》新增三类可提前领取情形，拓展了申请渠道，明确了缴存延续等政策安排，给这项制度赋予更多灵 活性与包容性。 业内人士表示，个人养老金缴费完全由参加人个人承担并自主选择购买产品，是自己储备的额外的"未 来储蓄罐"；参加人可以根据自己的经济能力，在每年1.2万元上限之内，自主决定参加程度和缴存额 度。 缴存和投资程度有待提高 尽管开户人数快速增长到数千万的量级，该制度在推行过程中，也出现了"开户热、缴存冷、投资少"等 问题。 "从实践情况看，制度推行初期虽取得一定成效，但在参与覆盖、税收激励、产品供给、 ...

证券时报基金研究院 宁墨 自《个人养老金实施办法》实施近三年来，个人养老金基金市场从初期的谨慎探索逐步走向成熟， 产品不断丰富，业绩显著改善。 在当前老龄化加深的背景下，公募基金以其专业管理能力展现出独特优势，为投资者提供了实现长 期稳健增值的重要路径。 业绩显著改善 这种变化也直接反映在产品规模上：截至今年二季度末，294只6月末前成立的个人养老金基金Y份 额总规模首次突破120亿元，较2024年末增长超过30亿元。在可比统计口径下，97.73%的个人养老金基 金Y份额的规模较2024年末均实现增长，84.47%的产品规模较2024年末增长超10%，规模的扩张印证了 市场认可度的提升。 凸显公募基金专业能力 公募基金作为国内首批专业机构投资者，已深度且全面地参与到社保、基本养老保险、企业（职 业）年金等各类养老资金的投资管理中。从规模来看，其受托管理的养老金资产超6万亿元，是当前国 内管理公共养老金规模最大的资管细分行业，这一规模优势不仅体现了市场对其专业能力的认可，也奠 定了其在养老金管理领域的核心地位。 在实际管理成果上，公募基金推动各类养老金实现了稳健增值。数据显示，基本养老保险基金自 2016年底启 ...

Core Insights - The personal pension fund market in China has matured significantly since the implementation of the "Personal Pension Implementation Measures" nearly three years ago, with a diverse range of products and improved performance [1][2] - Public funds have demonstrated unique advantages in professional management, providing a crucial pathway for investors to achieve long-term stable growth amid an aging population [1][5] Performance Improvement - Since the official implementation in November 2022, the personal pension system has operated smoothly, with the number of personal pension funds reaching 302, of which 296 have achieved positive returns, resulting in a positive return rate of 98.01% [2][4] - The median return rate of these funds since inception is 14.05%, with 69.21% of products experiencing net value growth exceeding 10%, indicating a broad profitability and a high proportion of mid-to-high returns [4] - Initial challenges were faced, with 132 funds established in 2022 showing a median net value decline of 3.82% in 2023, but the long-term investment value is becoming increasingly evident as market conditions improve [4][6] Growth in Fund Scale - By the end of Q2 this year, the total scale of 294 personal pension funds exceeded 12 billion yuan, marking an increase of over 3 billion yuan since the end of 2024, with 97.73% of funds experiencing growth [4][5] - The expansion in scale reflects an increase in market recognition, with 84.47% of products seeing growth exceeding 10% [4] Public Fund Professional Capability - Public funds are the largest asset management segment in China, managing over 6 trillion yuan in pension assets, showcasing their recognized professional capabilities in pension management [5] - The basic pension insurance fund has achieved positive returns for eight consecutive years since its investment operation began in 2016, with an average annual return rate of 5.15% [5] - The national social security fund has maintained an average annual return rate of 7.55% since its establishment in 2000, enhancing the resilience of China's pension system against risks [5] Importance of Personal Pension System - As of the end of 2024, the population aged 60 and above in China is projected to reach 310 million, highlighting the urgent need for effective pension solutions [7][8] - The personal pension system serves as a critical pathway for individuals to actively manage their retirement savings, emphasizing personal choice and responsibility [7][8] - The system encourages long-term investment and compounding growth, positioning it as a vital component of future financial planning for retirement [8]

Core Viewpoint - The personal pension fund market in China has matured significantly since the implementation of the Personal Pension Implementation Measures, showcasing improved performance and a diverse range of products available for investors [1][2][3] Market Performance - Since the implementation of the personal pension system in November 2022, the number of personal pension funds has reached 302, with 296 funds achieving positive returns, resulting in a positive return rate of 98.01% [2] - The median return rate of these funds since inception is 14.05%, with 69.21% of products experiencing a net value increase exceeding 10% [2] - Initially, 132 funds established in 2022 faced challenges, with a median net value decline of 3.82% in 2023, reflecting investor hesitance towards this new pension model [2] Growth in Fund Size - By the end of Q2 this year, the total scale of 294 personal pension fund Y shares surpassed 12 billion yuan, marking an increase of over 3 billion yuan since the end of 2024 [3] - 97.73% of personal pension fund Y shares have seen growth compared to the end of 2024, with 84.47% of products experiencing growth exceeding 10% [3] Public Fund Management Capability - Public funds manage over 6 trillion yuan in pension assets, establishing their core position in the pension management sector [4] - Basic pension insurance funds have achieved positive returns for eight consecutive years since 2016, with an average annual return rate of 5.15% [4] - The national social security fund has an average annual return rate of 7.55% since its establishment in 2000, enhancing the resilience of China's pension system [4] International Experience and Asset Allocation - Optimizing equity asset allocation and relying on long-term investments are crucial for enhancing pension returns, especially in the context of the volatile A-share market [5] - The annualized return rate of the CSI 300 index since 2005 is 7.81%, slightly lower than the S&P 500 index at 8.5%, but with a higher volatility [5] Aging Population and Pension System Challenges - By the end of 2024, the population aged 60 and above in China is projected to reach 310 million, accounting for 22% of the total population, indicating a shift towards a moderately aging society [7] - The current pension system heavily relies on the first pillar, with an average replacement rate of only 41%, significantly below the internationally recognized comfortable line of 70% [7] - The personal pension system serves as a critical pathway for individuals to actively manage their retirement savings, emphasizing personal choice and responsibility [7]

Core Viewpoint - The personal pension fund market in China has matured significantly since the implementation of the "Personal Pension Implementation Measures" nearly three years ago, showcasing improved performance and a diverse range of products [1][2]. Market Performance - Since the official implementation in November 2022, the personal pension system has stabilized, with the number of personal pension funds reaching 302, of which 296 have achieved positive returns, resulting in a positive return rate of 98.01% [2][3]. - The median return rate of these funds since inception is 14.05%, with 69.21% of products experiencing a net value increase exceeding 10%, indicating a broad profitability and a high proportion of mid-to-high returns [2][3]. Challenges and Recovery - Initially, personal pension funds faced challenges, with 132 funds established in 2022 showing a median net value decline of 3.82% in 2023, leading to cautious investment behavior among the public [3]. - Over time, the long-term investment value of these products has become more apparent, enhancing public confidence in the personal pension system [3]. Fund Scale and Growth - By the end of Q2 this year, the total scale of 294 personal pension funds exceeded 12 billion yuan, marking a growth of over 3 billion yuan since the end of 2024 [3]. - A significant 97.73% of personal pension funds have seen growth in scale, with 84.47% of products experiencing an increase of over 10% compared to the end of 2024, reflecting rising market acceptance [3]. Role of Public Funds - Public funds have emerged as key players in managing pension assets, with over 6 trillion yuan in pension assets under management, establishing their core position in the pension management sector [4]. - The basic pension insurance fund has achieved positive returns for eight consecutive years since its investment operation began in 2016, with an average annual return rate of 5.15% [4]. International Insights - International experience suggests that optimizing equity asset allocation and relying on long-term investments can enhance pension returns, despite the high volatility of the A-share market [5][6]. - Public funds have demonstrated superior performance in asset allocation and risk control, achieving higher returns and lower volatility compared to market indices [5][6]. Demographic Context - By the end of 2024, China's population aged 60 and above is projected to reach 310 million, accounting for 22% of the total population, highlighting the urgency of addressing pension challenges [7]. - The personal pension system serves as a crucial pathway for individuals to actively manage their retirement savings, emphasizing personal choice and responsibility [7].

来源：中国新闻网 编辑：王永乐 人社部：中国基本养老保险参保人数达10.72亿人 中新社北京9月26日电 (记者 谢雁冰)中国人力资源和社会保障部部长王晓萍26日在北京介绍，目前全国 基本养老保险参保人数达到10.72亿人。 当天，中国国务院新闻办公室举行"高质量完成'十四五'规划"系列主题新闻发布会，介绍"十四五"时期 就业和社会保障工作高质量发展成就。 王晓萍在会上说，"十四五"期间，是社会保障领域改革力度最大的时期。企业职工基本养老保险实现全 国统筹，失业保险、工伤保险实现省级统筹，建立实施个人养老金制度，创新开展职业伤害保障试点， 社会保障体系日趋完善。目前，全国基本养老保险参保人数达到10.72亿人，比"十三五"末增加7300多 万人，参保率从91%提高到95%以上。 王晓萍说，失业保险、工伤保险参保人数达到2.46亿、3.02亿人，较"十三五"末分别增加2900多万、 3400多万人。"十四五"以来，三项社会保险基金收支总规模69.27万亿元(人民币，下同)，基金累计结余 9.81万亿元，基金支撑能力稳中有升，为民众提供了更可靠更充分的社会保障。 "十四五"期间，人社部会同有关部门积极推动完善社保 ...

Group 1 - The core viewpoint of the article highlights the achievements in employment and social security during the "14th Five-Year Plan" period, emphasizing the implementation of a series of employment support policies and the overall stability of the employment situation [1][4]. Group 2 - During the "14th Five-Year Plan" period, the government has implemented an employment-first strategy, with total employment support funding exceeding 470 billion yuan and stable job retention funds amounting to 138.9 billion yuan. By the end of August this year, urban new employment reached 59.21 million, surpassing the target of 55 million [4]. Group 3 - The basic pension insurance for employees has achieved national coordination, while unemployment and work injury insurance have been coordinated at the provincial level. A personal pension system has been established, and pilot programs for occupational injury protection have been innovatively launched, leading to an increasingly improved social security system [6]. Group 4 - The number of participants in the national basic pension insurance has reached 1.072 billion, an increase of over 73 million compared to the end of the "13th Five-Year Plan," with the participation rate rising from 91% to over 95%. Since the beginning of the "14th Five-Year Plan," the total scale of the three social insurance funds has reached 69.27 trillion yuan, with a cumulative surplus of 9.81 trillion yuan [9].

账户涉嫌非法交易 已被警方冻结! 专题：2025金融教育宣传周：保障金融权益 助力美好生活 基金行业在行动 2024年12月15日起,个人养老金 制度从36个先行试点城市(地区)推 广至全国。参加个人可享受税收优惠并 自主选择购买符合规定的金融产品。随 着这项制度的推出,一些不法分子也开 始打着"养老金" 旗号进行诈骗。 景例警示 以代办"个人养老金账户"开立 名义诈骗 - 某银行 乔老金办事处 利息高达3%-5% ○ 某犯罪团伙以图财为目的,假借国 家最新"个人养老金"政策,打着"某银 行养老金办事处"名义,租赁某地市高档 写字楼,成立业务部并进行虚假宣传,声 称可以办理个人养老金业务,一人可办 理多个账户,且有优惠政策(利息高达 3%-5%）,并告诉客户可在相关平台每 日查询收益情况,推荐新客户可获得双倍 收益,诱骗不了解该政策的群众虚假开户, 进而引导受害人转账划入所谓"个人养老 金账户",以实施诈骗。 "专属理财经理"诈骗 专属理财经理 小李 张大爷,帮您申请 到一次性缴存高额 养老金可享更高优 惠券及税收抵免的 "内部福利"! el 4 (->)) 张大爷您被骗了! ○ 张大爷听同伴说开立个人养老金 ...