新京报讯（记者吴婷婷）11月6日，北京市朝阳区人力资源和社会保障局发布《朝阳区人力资源服务企 业为劳务派遣人员建立企业年金工作指引（试行）》，为人力资源服务企业建立年金提供了"一站式"的 政策与经办指南。 朝阳区人力社保局相关负责人介绍，《工作指引》是朝阳区企业年金发展联盟成立后，区人力社保局与 联盟合力探索取得的一项重要成果。一年来，联盟充分整合资源与优势，累计开展现场宣传培训14次， 覆盖辖区内多个园区、街乡。同时，面向企业、医院、园区等单位开展调研走访，不断扩大年金覆盖 面。联盟成立至今，朝阳区新建企业年金单位同比增长50%。 《工作指引》在全市首次明确扩大人力资源服务企业建立年金人员范围，将劳务派遣人员、业务外包、 人事代理人员纳入建立企业年金范畴，并结合行业特点试行引入"全员表决"与"全体公示"灵活民主协商 模式。同时，为相关主体提供标准化方案范本。 ...

Core Insights - The report released by the National Bureau of Statistics indicates an optimization and upgrading of China's consumption structure, with the Engel coefficient decreasing from 30.2% in 2020 to 29.8% in 2024, reflecting a shift from survival-type to development-type consumption [1][2][6] - The average annual growth rate of development-type consumption expenditures, including education, culture, entertainment, transportation, communication, and healthcare, is projected to be 10.0% from 2021 to 2024, while service consumption expenditures are expected to grow at an average annual rate of 9.5%, outpacing goods consumption by 3.8 percentage points [1][6] Economic Growth Implications - The optimization of consumption structure is expected to enhance economic stability by smoothing economic fluctuations and expanding growth space, particularly in the service and development consumption sectors [6][8] - The proportion of employment in the tertiary industry is projected to increase, with 35.866 million people employed in this sector by the end of 2024, representing 48.8% of total employment, an increase of 1.1 percentage points from 2020 [3][6] Income Distribution and Growth - By the end of 2024, the national per capita disposable income is expected to reach 41,314 yuan, an increase of 9,125 yuan from 2020, with an average annual real growth rate of 5.5% from 2021 to 2024 [9][11] - Rural residents' per capita disposable income is projected to grow at a faster rate than urban residents, with a real growth rate of 6.9% compared to 4.5% for urban residents [9][11] Consumption Trends - The report highlights a significant increase in consumption expenditures among rural residents, particularly in poverty alleviation counties, where per capita disposable income is expected to rise from 12,588 yuan in 2020 to 17,522 yuan in 2024, with an average annual real growth rate of 7.8% [11][12] - The consumption structure in these areas is also evolving, with per capita consumption expenditures expected to increase from 10,758 yuan in 2020 to 15,138 yuan in 2024, reflecting a shift towards development-type consumption [12] Employee Benefits and Pension Growth - By the end of 2024, the number of employees participating in enterprise annuities is projected to reach 32.42 million, with the accumulated fund scale expected to grow to 36,422 billion yuan, marking increases of 19.3% and 61.9% respectively since 2020 [12][14]

Core Insights - The total accumulated enterprise annuity fund in China reached 2.64 trillion yuan by the end of 2021, with actual operating assets amounting to 2.6 trillion yuan and an investment return of 124.198 billion yuan, reflecting a weighted average return rate of 5.33% [1] - The enterprise annuity system serves as a crucial supplement to the national basic pension insurance, representing the "second pillar" of China's urban employee pension insurance system [1] - The development of the enterprise annuity system in China is lagging compared to developed countries, with a low overall coverage rate [1] Group 1 - The Chinese government has elevated addressing population aging to a national strategy, emphasizing the need to improve the multi-tiered pension security system, including the development of enterprise annuities and occupational annuities [1] - Liu Xiangdong, Deputy Director of the Economic Research Department at the China International Economic Exchange Center, suggests enhancing the standardization of enterprise annuities and simplifying the enrollment process to encourage participation [2] - The enterprise annuity market in China has been operational for 16 years, with single plans being the primary component, and 2021 data showing that equity-based investments outperformed fixed-income investments [2] Group 2 - The potential for enterprise annuities to enter the market remains significant, as they can expand the institutional investor base, enhance market liquidity, and contribute to market stability, which is vital for the long-term healthy development of the capital market [3]

Core Viewpoint - The establishment of the talent pension plan in the Shanghai Robot Industry Park aims to enhance employee retention and attract high-level talent, thereby improving the overall competitiveness of enterprises in the park [1][2]. Group 1: Talent Pension Plan Implementation - The talent pension plan is the first of its kind in Shanghai's industrial parks, launched in Baoshan District's Shanghai Robot Industry Park [1]. - The plan is designed to provide pension benefits to core talents, such as senior R&D engineers and technical leaders, to ensure their stability within the company [2]. Group 2: Benefits for Enterprises - The implementation of the pension plan is expected to reduce hidden costs associated with frequent recruitment and training of new employees by retaining core talents [2]. - Companies can customize their contribution standards, with the maximum contribution not exceeding 8% of the total employee salary [3]. Group 3: Future Expansion of the Plan - The plan allows for initial implementation for select core talents, with the potential to expand coverage to all employees as the company grows and conditions improve [3]. - The Shanghai Robot Industry Park currently hosts nearly 1,000 enterprises across the entire robotics and intelligent manufacturing supply chain, with over 80% of key enterprises involved in this sector [3].

Core Insights - The Ministry of Human Resources and Social Security has released the first-ever cumulative return data for enterprise annuities over the past three years, showing a cumulative return of 7.46% as of the end of Q1 [1] - The total scale of enterprise annuity accumulated funds reached 3.73 trillion yuan [1] - The new cumulative return data reflects a shift from reporting "current" and "annual cumulative" investment performance to a focus on "three-year cumulative" returns, indicating a greater emphasis on long-term investment performance by regulatory authorities [1] Investment Performance - The cumulative return is calculated using a time-weighted method, covering the period from April 1, 2022, to March 31, 2025 [1] - The change in reporting methodology is seen as beneficial for promoting long-term and value investment principles within enterprise annuities [1] Challenges and Recommendations - Despite the positive developments, enterprise annuities still face challenges such as insufficient marketization and short assessment periods [1] - There is a pressing need to establish a long-term performance assessment system to enable enterprise annuities to truly embody the concept of "long money for long investment" [1]

Core Insights - The younger generation, particularly those born in the 90s and Gen Z, is increasingly proactive about retirement planning, moving beyond traditional reliance on basic pensions to explore personal pensions and corporate annuities [1][2][5] - The Chinese government is expanding the personal pension system nationwide, with a focus on developing diverse financial products to meet the varied needs of younger individuals [2][3] - Corporate annuities are becoming a significant part of retirement planning for young professionals, with many viewing them as a valuable employee benefit [3][4][5] Group 1: Retirement Planning Trends - A survey by the China Insurance Asset Management Association indicates that 60.3% of respondents expect to start retirement planning between the ages of 31 and 45 [1] - Young individuals are seeking a balance between financial security and quality of life, often opting for a combination of personal pensions, corporate annuities, and insurance products [1][2] - The concept of "养老搭子" (retirement partners) is emerging, where individuals plan for community living and services in retirement, reflecting a shift in how retirement is perceived [5][6] Group 2: Corporate Annuities and Employee Benefits - The corporate annuity market in China has expanded significantly, with nearly 160,000 participating companies and coverage for over 32 million employees, totaling over 3.6 trillion yuan [3][4] - The contribution structure of corporate annuities, where employees contribute 4% and employers match with 8%, is seen as a highly beneficial retirement investment [3] - Despite the growth, the actual participation rates in corporate annuities remain low, with less than 10% of eligible employees actively participating [5] Group 3: Government Initiatives and Market Development - The Ministry of Human Resources and Social Security announced the nationwide rollout of the personal pension system by December 2024, expanding from 36 pilot cities [2] - The National Financial Regulatory Administration is supporting the development of new financial products tailored to the personal pension system, aiming to create a diverse product ecosystem [2] - The average annual investment return for occupational annuities since marketization in 2019 has been 4.42%, indicating a stable investment environment [3][4]

Group 1 - The establishment of the Shandong Enterprise Annuity Development Alliance aims to enhance the quality of enterprise annuities and promote collaboration among government, enterprises, and financial institutions [1] - Starting from January 1, 2025, the scope of talent annuities in Shandong will expand from seven pilot cities to the entire province, covering high-tech industries and startups, thus optimizing the talent ecosystem and enhancing employee pension security [1] - Shandong Bank actively supports the policy by integrating industry resources through mechanisms like the "Annuity Alliance" to improve annuity services [1] Group 2 - Shandong Bank has developed a comprehensive approach to pension finance, covering enterprise annuities, personal pensions, and pension service finance, serving nearly 1,000 enterprises and 245,000 individuals in the province [2] - As one of the first commercial banks approved to offer personal pension services, Shandong Bank has provided personal pension account services to over 769,000 individuals by the end of March [2] - The bank has launched the "Zhongyin Silver Age" pension service brand, offering comprehensive solutions for clients throughout their retirement lifecycle [2] Group 3 - Shandong Bank focuses on supporting the province's strategy for high-level talent in key industries such as artificial intelligence and renewable energy by introducing a "Talent Exclusive Annuity Plan" [3] - The bank aims to enhance the long-term compensation attractiveness for high-level talents through a combination of enterprise contribution incentives and personal tax benefits [3] - Moving forward, Shandong Bank will strengthen cooperation with the Shandong Human Resources and Social Security Department and other alliance members to optimize the enterprise annuity service system and innovate pension products [3]

Group 1 - The Ministry of Human Resources and Social Security (MoHRSS) is promoting the preservation and appreciation of social security funds through ongoing management actions [1] - The reform will include a gradual increase in the statutory retirement age and improvements to insurance payment methods for flexible workers, migrant workers, and those in new employment sectors [1] - There will be an adjustment in pension benefits, focusing on increasing basic pensions for low- and middle-income groups and raising the minimum standard for urban and rural residents' pension insurance [1] Group 2 - The MoHRSS encourages local governments to expand the scale of entrusted investments for enterprise employee pension funds [1] - There will be a deepening of the application of social security cards, integrating work permits for foreigners with social security cards, and enhancing the functionality of electronic social security card apps [1]

文 | 银行螺丝钉 （转载请注明出处） 大家对美债的关注度日渐提高。 这里为大家准备了一门限时免费的课程，全面讲解美元债券基金投资。 比如： 长按识别下方二维码，添加@课程小助手，回复「 美元债券 」即可领取～ ◆◆◆ 企业年金，通常是员工自己从工资里拿出 部分，企业再补贴一部分，一同投入到 企业年金账户中。 而第二支柱，指的就是企业年金。 · 想投资美元债券类资产，有哪些方式？ · 美元债基金，当前投资价值如何？ · 投资美元债基金，会有哪些风险？ 按照成熟国家的做法,养老有三大支柱, 由国家、企业和个人，各负担一部分，共 同打造适合每个人的养老体系。 其中，第一支柱是社保的养老保险,这个 几乎每个人都有。 第三支柱,是我们自己为自己准备养老 金,比如参加个人养老金,或者是购买商 业养老理财或保险产品等。 真正衡量一份企业年金好不好，是否值得 参加，主要看企业给补贴了多少。 这些资金,会被委托给保险公司或者基金 公司，来代为投资，主要用于以后退休时 领取。 企业年金账户里的钱，有的企业会规定， 从一开始就属于员工,这种方案会更友好 一些。 也有部分企业为了长期留住人才，会约定 员工需要在职满一定年限，才能获 ...