每经编辑｜段炼 8月19日，人力资源社会保障部等5部门对外发布《关于领取个人养老金有关问题的通知》，进一步丰富个人养老金领取情形，明确具体操作办法，自9月1 日起开始实施。 通知规定，新增3种个人养老金领取情形： 编辑|段炼 盖源源 申请之日前12个月内，本人（或配偶、未成年子女）发生的与基本医保相关的医药费用支出，扣除医保报销后个人负担（指医保目录范围内的自付部分） 累计超过本省（自治区、直辖市）上一年度居民人均可支配收入； 申请之日前2年内领取失业保险金累计达到12个月； 正在领取城乡最低生活保障金。 此前，参加人符合下列条件之一的，可以领取个人养老金。一是达到领取基本养老金年龄。二是完全丧失劳动能力。三是出国（境）定居。 在此前通过个人养老金资金账户开户银行申请领取的基础上，通知增加国家社会保险公共服务平台、电子社保卡、掌上12333App等全国统一线上服务入 口，参加人当前基本养老保险关系所在地社会保险经办机构2类申请渠道。 校对|程鹏 来源：新华社 ...

申请之日前2年内领取失业保险金累计达到12个月； 正在领取城乡最低生活保障金。 据新华社消息，8月19日，人力资源社会保障部等5部门对外发布《关于领取个人养老金有关问题的通 知》，进一步丰富个人养老金领取情形，明确具体操作办法，自9月1日起开始实施。 通知规定，新增3种个人养老金领取情形： 申请之日前12个月内，本人（或配偶、未成年子女）发生的与基本医保相关的医药费用支出，扣除医保 报销后个人负担（指医保目录范围内的自付部分）累计超过本省（自治区、直辖市）上一年度居民人均 可支配收入； 在此前通过个人养老金资金账户开户银行申请领取的基础上，通知增加国家社会保险公共服务平台、电 子社保卡、掌上12333App等全国统一线上服务入口，参加人当前基本养老保险关系所在地社会保险经 办机构2类申请渠道。 此前，参加人符合下列条件之一的，可以领取个人养老金。一是达到领取基本养老金年龄。二是完全丧 失劳动能力。三是出国（境）定居。 ...

人力资源社会保障部等5部门对外发布《关于领取个人养老金有关问题的通知》，进一步丰富个人养老金领取情形，明确具体操作办法，自9月1日起 开始实施。 通知规定，新增3种个人养老金领取情形：申请之日前12个月内，本人（或配偶、未成年子女）发生的与基本医保相关的医药费用支出，扣除医保报 销后个人负担（指医保目录范围内的自付部分）累计超过本省（自治区、直辖市）上一年度居民人均可支配收入；申请之日前2年内领取失业保险金 累计达到12个月；正在领取城乡最低生活保障金。此前，参加人符合下列条件之一的，可以领取个人养老金。一是达到领取基本养老金年龄。二是 完全丧失劳动能力。三是出国（境）定居。 在此前通过个人养老金资金账户开户银行申请领取的基础上， 通知增加国家社会保险公共服务平台、电子社保卡、掌上12333App等全国统一线上服 务入口 ，参加人当前基本养老保险关系所在地社会保险经办机构2类申请渠道。 ...

Core Viewpoint - The article discusses the new regulations regarding personal pension withdrawals in China, which will take effect on September 1, 2025, aimed at expanding the circumstances under which individuals can access their personal pensions [3][4]. Group 1: New Withdrawal Circumstances - Three new circumstances for personal pension withdrawals have been introduced: 1. Medical expenses incurred by the individual (or spouse, minor children) related to basic medical insurance that exceed the previous year's average disposable income in the province after insurance reimbursements [4]. 2. Accumulated unemployment insurance benefits received for 12 months within the last two years [4]. 3. Currently receiving urban and rural minimum living security benefits [4]. Group 2: Previous Conditions for Withdrawal - Previously, individuals could withdraw personal pensions if they met one of the following conditions: 1. Reached the age for receiving basic pensions. 2. Completely lost the ability to work. 3. Settled abroad [4]. Group 3: Application Channels - The notification expands the application channels for personal pension withdrawals to include: 1. National social insurance public service platform. 2. Electronic social security card. 3. Mobile app "掌上12333" (Zhangshang 12333). 4. Two application channels through the local social insurance agency where the individual's basic pension insurance relationship is located [4].

人力资源社会保障部等5部门 8月19日对外发布 新华社权威快报 申请之日前2年内领取失业保险金累计达到12个月； 正在领取城乡最低生活保障金。 此前，参加人符合下列条件之一的，可以领取个人养老金。一是达到领取基本养老金年龄。二是完全丧 失劳动能力。三是出国（境）定居。 关于领取个人养老金 有关问题的通知 FIT IP I L 3种领取情形 2类申请渠道 自9月1日起实施 8月19日，人力资源社会保障部等5部门对外发布《关于领取个人养老金有关问题的通知》，进一步丰富 个人养老金领取情形，明确具体操作办法，自9月1日起开始实施。 通知规定，新增3种个人养老金领取情形： 申请之日前12个月内，本人（或配偶、未成年子女）发生的与基本医保相关的医药费用支出，扣除医保 报销后个人负担（指医保目录范围内的自付部分）累计超过本省（自治区、直辖市）上一年度居民人均 可支配收入； 在此前通过个人养老金资金账户开户银行申请领取的基础上，通知增加国家社会保险公共服务平台、电 子社保卡、掌上12333App等全国统一线上服务入口，参加人当前基本养老保险关系所在地社会保险经 办机构2类申请渠道。 记者：张晓洁 （文章来源：新华社） ...

Core Insights - The article highlights the increasing competition among banks to attract and retain customers in the personal pension account sector, with various promotional activities being launched to incentivize account opening and contributions [1][2][3]. Group 1: Promotional Activities - Industrial and Commercial Bank of China (ICBC) offers up to 388 yuan in WeChat discounts for new personal pension account holders who deposit 10 yuan or more, and an additional 188 yuan for those who deposit 12,000 yuan this year [1]. - Agricultural Bank of China provides a "big gift" for new depositors, allowing customers who deposit 500 yuan to enter a draw for WeChat discounts of 38 or 88 yuan, and those depositing 5,000 yuan can win up to 388 yuan [1]. - Shanghai Pudong Development Bank has introduced a three-tiered reward system for customers who deposit 1,000 yuan or more into their personal pension accounts, offering WeChat discounts, video membership vouchers, and taxi vouchers [2]. Group 2: Innovative Contribution Methods - Minsheng Bank has introduced an "appointment deposit" option, allowing customers to set up automatic monthly deductions or one-time deposits based on their financial situation [3]. - Jiangsu Bank has launched a feature for personalized automatic deposit plans, enabling customers to customize their deposit dates and amounts [3]. Group 3: Market Trends and Challenges - The number of personal pension account holders in China surpassed 70 million by the end of November last year, indicating a rapid growth in account openings [3]. - Despite the surge in account openings, many customers show low willingness to contribute, posing a challenge for banks to enhance deposit engagement [3][4]. - The shift in bank strategies from "customer acquisition" to "customer retention" reflects a focus on account activity and fund retention, aligning with the long-term nature of pension services [4]. Group 4: Future Directions - Experts suggest that banks should integrate pension accounts with services like healthcare and insurance to create a comprehensive "financial + service" solution [4]. - Enhancing the variety of investment products available for personal pension accounts and providing professional advisory services are seen as key to increasing customer loyalty [5].

吸引真缴存 银行个人养老金业务从"拉新"变"留客" 今年以来，不少人尝鲜个人养老金产品，享受到了超预期收益带来的喜悦，继续缴存、投资的热情同步 增加。但整体来看，个人养老金业务"开户热、缴存冷"的现象仍然存在。"我行去年个人养老金开户数 实现翻倍增长，但实际缴存比例偏低，每年缴满12000元的客户比例更少。如今，我们的业务重心正从 拉动开户数增长转向推动实际缴存率提升。"某国有大行养老金融相关业务负责人说。 记者实地调研了解到，当下，多家银行加大个人养老金账户缴存业务推广力度，推出多项福利活动，加 速从获客向留客转变。 多重福利促缴存 "从8月开始到9月下旬，参与个人养老金账户开户、缴存的客户可以获得微信立减金。"工商银行北京市 西城区一家网点的客户经理说。 "新开户并且新缴存两块钱以上就可以领取最多188元微信立减金。已开户客户在活动期间今年首次缴存 满12000元，最多可以领取388元微信立减金，今年首次缴存超1000元的客户最多可以领取68.8元微信立 减金。"上述客户经理说。 农业银行同样推出了个人养老金缴存大礼包。此外，股份行、城商行等银行也推出鼓励个人养老金缴存 的福利。 银行鼓励客户缴存个人养老 ...

Core Insights - The personal pension products have shown unexpectedly high returns, with some individuals reporting yields exceeding 9% [1] - There is a phenomenon of "hot openings but cold deposits" in the personal pension business, indicating a disparity between the number of accounts opened and the actual deposit rates [3] - Banks are shifting their focus from merely increasing account openings to enhancing actual deposit rates [3] Group 1: Current Trends in Personal Pension Accounts - Many banks are promoting personal pension account deposits through various incentives, such as WeChat discounts for new account holders [2] - Agricultural Bank offers a "deposit gift package" to encourage contributions, with potential rewards for meeting certain deposit thresholds [2] - Other banks, including Ping An Bank and Beijing Bank, are also providing multiple incentives for account holders to deposit funds [2] Group 2: Challenges in the Personal Pension Market - The actual deposit rate remains low despite the high number of account openings, with only a small percentage of customers reaching the annual deposit limit of 12,000 yuan [3] - Factors contributing to low deposit willingness include limited tax benefits for eligible individuals and a lack of awareness regarding personal pension products [3] Group 3: Product Development and Market Potential - The personal pension product market has expanded significantly, with over 1,100 products available, including various types such as savings, funds, and insurance [5] - The average return for FOF-type personal pension funds is close to 5%, with some products yielding over 15% this year [6] - The personal pension system has substantial market potential, and banks are encouraged to innovate and collaborate with external institutions to enhance product offerings and customer engagement [7] Group 4: Recommendations for Investors - Investors are advised to diversify their asset allocation based on their risk tolerance and retirement goals, focusing on products with stable historical performance [8]

Core Insights - The personal pension products in China are experiencing a surge in interest, with some investors reporting returns exceeding 9% [1] - Despite the increase in account openings, the actual contribution rates remain low, indicating a disparity between account growth and active participation [3][4] - Banks are implementing various incentives to encourage contributions, including cash rewards and promotional activities [2][3] Group 1: Market Trends - The number of personal pension accounts has surpassed 70 million, but the actual contribution volume is not satisfactory [4] - The current trend shows a "hot opening but cold contribution" phenomenon, where many customers open accounts without a strong intention to contribute [3][4] - Financial institutions are focusing on enhancing customer retention and increasing actual contribution rates rather than just acquiring new accounts [3][4] Group 2: Incentives and Promotions - Banks are offering various incentives such as WeChat cash rebates for new account openings and contributions, with amounts ranging from 38 to 388 yuan depending on the contribution level [2] - Agricultural Bank and other banks have introduced promotional packages to encourage contributions, with potential rewards for meeting specific deposit thresholds [2][3] - The competitive landscape among banks is intensifying, with many institutions providing attractive benefits to attract and retain customers [3][4] Group 3: Product Development - The market for personal pension products has expanded significantly, with over 1,100 products available, including savings, funds, insurance, and wealth management products [4][5] - The average return for FOF-type personal pension funds has been around 5% this year, with some products achieving returns over 15% [5][6] - The development of a diverse product matrix is essential for attracting investors and enhancing customer loyalty [6][7] Group 4: Future Outlook - The personal pension system in China has substantial market potential and requires a gradual and steady approach for widespread adoption [6][7] - Banks are encouraged to innovate and collaborate with external institutions to enhance the variety of investment options available to customers [6][7] - Long-term strategies should focus on integrating non-financial services and improving asset allocation capabilities to strengthen customer engagement [7]

Group 1 - The core viewpoint emphasizes the importance of parallel development of regulation and innovation in the pension finance sector, aiming to provide a diverse pool of financial products that meet the needs of the public [1][2] - The current pension finance landscape includes pension target funds, personal tax-deferred pension insurance, exclusive commercial pension insurance, and pension wealth management, which have been progressively piloted and promoted [2][3] - The government encourages financial institutions to develop pension financial products tailored to the characteristics of the elderly, and to improve supporting policies [1][3] Group 2 - As of the end of 2020, 23 insurance companies participated in the personal tax-deferred pension insurance pilot, achieving a total premium income of 430 million yuan and covering 49,000 insured individuals [2] - The number of pension target fund products exceeded 160, with a total scale surpassing 110 billion yuan as of March 8, 2022 [2] - There is a collaborative relationship among banks, insurance companies, and public funds in the pension finance sector, with banks and insurance companies having broader access to individual clients, while fund companies excel in investment management [2] Group 3 - The current personal pension system lacks comprehensive fiscal support, with only personal tax-deferred pension insurance enjoying tax incentives, highlighting the need for optimized fiscal policies [3] - Suggestions include establishing direct subsidy-based personal pension fiscal policies for flexible employment groups and providing financial incentives for low-income individuals to participate in the pension market [3] - Regulatory measures are necessary to ensure the standardization of pension financial products, with a focus on promoting long-term, secure, and constrained pension financial products [3] Group 4 - There is a call for improving the recognition of pension financial products, designing them to have moderate returns with controllable risks, and increasing the supply of differentiated options for the public [4] - Emphasis is placed on enhancing investor education to encourage long-term investment among younger individuals, leveraging the benefits of compounding over time [4]