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“十五五”规划系列之二:社保改革,新的“破局点”?
宏 观 研 究 "十五五"规划系列 2025 年 08 月 26 日 社保改革,新的"破局点"? ——"十五五"规划系列之二 人口结构快速变化下,社保制度的完善及改革可能是"十五五"期间重点推进领域之一。当前,我国社保 体系现状如何,面临哪些压力?海外社保制度有何经验? 本文系统分析,供参考。 一、我国社保改革的历史沿革?我国社保体系正从"广覆盖"迈向高质量发展与全国统筹阶段 我国社会保障制度随经济社会发展需求历经多阶段演进。1951 年《中华人民共和国劳动保险条例》初步 建立城镇职工社保制度;1986 年养老保险探索企业与个人共缴的社会统筹,1991 年明确国家、企业、个 人三方共担机制,标志从"企业保险"向"社会保险"转型。1998 年起社保体系加速建设,劳动和社会 保障部成立实现行政统一。2010 年《社会保险法》推动社保制度进入法治化阶段。 眼下,我国社会保障体系正从"广覆盖"迈向高质量发展与全国统筹阶段。2014 年,我国整合新农保与 城镇居民养老保险,建立统一的城乡居民基本养老保险制度,逐步打破城乡社保二元分割;2018 年,通 过建立企业职工基本养老保险基金中央调剂制度。2022 年第三支柱个人 ...
个人养老金新增三大领取条件,鹏华基金深耕“长钱投资”
Zhong Guo Jing Ji Wang· 2025-08-25 06:48
2025年9月1日起,我国个人养老金制度将正式实施新的领取规则。根据人社部、财政部等五部门联合印 发的《关于领取个人养老金有关问题的通知》,在原有达到法定退休年龄、完全丧失劳动能力、出国 (境)定居三种领取情形基础上,新增三类可提前支取的情形,相关制度设计进一步贴近现实关切。 专业人士指出,此次政策优化在坚持长期积累导向的同时,增强了对现实困难的响应能力。将大额医疗 支出纳入支取范围,有助于缓解家庭因重病带来的经济压力,尤其对医疗负担较重的中低收入家庭具有 现实意义,未来可通过系统对接实现线上申请与核验。将长期领取失业保险金作为支取条件,为灵活就 业人员、新业态从业者等群体提供额外支持,与失业保险形成补充。对低保人群开放支取,既体现制度 关怀,也保留其后续继续积累的空间。 此前,鹏华基金首席资产配置官郑科指出,第三支柱的发展是对公募基金综合实力的全面检验:主动管 理型产品考验资产配置与基金优选能力,被动型产品则依赖产品设计与运作效率,唯有长期投入、专业 深耕,才能真正服务好国民养老需求。领取条件的放宽是个人养老金制度人性化的重要改进,使得个人 养老金能够在参与者遭遇重大生活变故或困难时发挥应急保障作用,增强了 ...
个人养老金制度设计之根本是让更多人有动力参与
第一财经· 2025-08-21 00:52
Core Viewpoint - The recent notification from five ministries, including the Ministry of Human Resources and Social Security and the Ministry of Finance, introduces three new scenarios for accessing personal pensions, enhancing the flexibility and attractiveness of the personal pension system [2][4]. Summary by Sections New Access Scenarios - The new scenarios for accessing personal pensions include: 1. Medical expenses exceeding the previous year's average disposable income in the province within the last 12 months. 2. Receiving unemployment insurance for a cumulative total of 12 months within the last two years. 3. Currently receiving urban and rural minimum living security [2]. Flexibility and Attractiveness - The personal pension system now has six scenarios for withdrawal, significantly increasing its flexibility and appeal as a third pillar of pension insurance, which aims to improve the quality of life in old age through tax-deferred benefits [2][4]. Current Challenges - Despite the improvements, there are still notable shortcomings, such as rigid withdrawal conditions and a lack of diverse financial products tailored for personal pension consumers [3][4]. System Design and Risk Management - The essence of the personal pension system lies in its flexibility and insurance-like value retention and appreciation. A more flexible design in contributions, operations, management, and withdrawals will enhance its vitality and attractiveness [4][5]. Market Development Needs - To effectively address future risks and uncertainties, the personal pension system must develop more suitable long-term financial products and broaden the operational freedom for participants, thereby increasing trust in the system [4][5].
6类人可提前领个人养老金
自2025年9月1日起,参加个人养老金制度的人员在满足以下六类条件之一时,可申请领取个人养老金。 其中,前三类为原有领取条件,后三类为新增的提前领取情形,旨在应对特殊经济或健康状况,提升制 度灵活性。 个人养老金账户领取发生新变化! 可领取个人养老金的六类条件: 达到领取基本养老金年龄 完全丧失劳动能力 出国(境)定居 申请之日前12个月内,本人、配偶或未成年子女发生的与基本医保相关的医药费用,经医保报销后,医 保目录内自付部分累计超过参保地所在省(自治区、直辖市)上一年度居民人均可支配收入 《通知》最引人关注的变化是个人养老金领取情形的扩展。 在此之前,参加人需要符合达到领取基本养老金年龄、完全丧失劳动能力、出国(境)定居这三个条件之 一的,方可领取个人养老金。如今,《通知》新增了可以领取个人养老金的3种情形。 一是申请之日前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(区、市)上一年度居民人均可支 配收入。二是申请之日前两年内领取失业保险金累计达到12个月。三是正在领取城乡最低生活保障金。 在领取申请方式上,《 ...
6类人可提前领个人养老金
21世纪经济报道· 2025-08-20 14:52
记者丨见习记者 冯紫彤 编辑丨杨希 江佩佩 个人养老金账户领取发生新变化! 自2025年9月1日起, 参加个人养老金制度的人员在满足以下六类条件之一时,可申请领取个 人养老金。 其中,前三类为原有领取条件,后三类为新增的提前领取情形,旨在应对特殊经 济或健康状况,提升制度灵活性。 可领取个人养老金的六类条件 : 9月起个人养老金新增3种领取情形 《通知》最引人关注的变化是个人养老金领取情形的扩展。 在此之前,参加人需要符合 达到领取基本养老金年龄、完全丧失劳动能力、出国(境)定居 这 三个条件之一的,方可领取个人养老金。如今,《通知》新增了可以领取个人养老金的3种情 形。 一是申请之日前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(区、市)上一 年度居民人均可支配收入。二是申请之日前两年内领取失业保险金累计达到12个月。三是正在 领取城乡最低生活保障金。 在领取申请方式上,《通知》也进行了优化。除原有通过个人养老金资金账户开户银行申请 外, 新增了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 ...
市场波动加剧,股指震荡调整
Hua Tai Qi Huo· 2025-08-20 05:38
Report Industry Investment Rating No relevant content provided. Core Viewpoints of the Report - The market's profit - making effect attracts various investors to accelerate their layout. Foreign institutional investors' recognition of the allocation value of Chinese assets has increased, leading to a sharp rise in trading volume in the two markets and intensified market volatility. Although short - term technical indicators show overbought signs, abundant liquidity provides support, and the overall upward trend remains unchanged. Industry sectors are in a healthy rotation, and the comparative advantage of Chinese assets in global risk assets is prominent. Recently, the AI, military, and small metals sectors are expected to strengthen again [3] Summary by Related Catalogs Market Analysis - **Domestic Policy Updates**: The five - department joint notice from the Ministry of Human Resources and Social Security and others has added three new withdrawal conditions for personal pensions starting from September 1st, including suffering from serious diseases, receiving unemployment insurance benefits, and receiving urban and rural minimum living security benefits. Specific operation methods have also been clarified, allowing participants to withdraw personal pensions monthly, in installments, or in a lump sum. In July, the unemployment rate of the 16 - 24 - year - old labor force in urban areas was 17.8%, 6.9% for the 25 - 29 - year - old labor force, and 3.9% for the 30 - 59 - year - old labor force (excluding students) [1] - **Overseas Policy Updates**: The US Department of Commerce has included 407 product categories in the steel and aluminum tariff list, with a 50% applicable tax rate. The new list covers a wide range of products, including wind turbines and their components, mobile cranes, railway vehicles, furniture, compressors, and pump equipment. The Trump administration has repeatedly emphasized expanding the scope of steel and aluminum tariffs to protect domestic manufacturing and curb import dependence [1] - **Stock Market Performance**: In the spot market, the three major A - share indices closed lower with fluctuations. The Shanghai Composite Index fell 0.02% to 3727.29 points, and the ChiNext Index fell 0.17%. In terms of industries, sector indices showed mixed performance, with the communication, food and beverage, and commercial retail sectors leading the gains, while the non - bank finance, national defense and military industry, and petroleum and petrochemical sectors leading the losses. The trading volume of the Shanghai and Shenzhen stock markets on that day remained at 2.6 trillion yuan. Overseas, the three major US stock indices closed with mixed results. The Dow Jones Industrial Average hit a record high during the session, but the Nasdaq Composite Index fell 1.46% to 44922.27 points due to the drag of technology stocks [2] - **Futures Market Performance**: In the futures market, the basis of the near - month IC contract rebounded. In terms of trading volume and open interest, both the trading volume and open interest of stock index futures decreased simultaneously [2] Strategy - The market's profit - making effect attracts investors, and foreign institutions recognize the value of Chinese assets. Despite short - term overbought signs, liquidity support maintains the upward trend. Industry sectors rotate healthily, and sectors such as AI, military, and small metals are expected to strengthen [3] Macro - economic Charts - The report includes charts on the relationship between the US dollar index and A - share trends, US Treasury yields and A - share trends, RMB exchange rates and A - share trends, and US Treasury yields and A - share style trends [6][12][13] Spot Market Tracking Charts - **Stock Index Performance**: The daily performance of major domestic stock indices on August 19, 2025, shows that the Shanghai Composite Index fell 0.02%, the Shenzhen Component Index fell 0.12%, the ChiNext Index fell 0.17%, the CSI 300 Index fell 0.38%, the SSE 50 Index rose 0.21%, the CSI 500 Index fell 0.19%, and the CSI 1000 Index rose 0.07% [15] - **Other Indicators**: Charts on the trading volume of the Shanghai and Shenzhen stock markets and margin trading balances are also provided [16] Futures Market Tracking Charts - **Trading Volume and Open Interest**: The trading volume and open interest of IF, IH, IC, and IM contracts all decreased. For example, the trading volume of the IF contract decreased by 40988 to 109269, and the open interest decreased by 15341 to 258257 [19] - **Basis**: The basis of each contract shows different changes. For example, the basis of the IF contract's near - month contract decreased by 5.56 to - 7.17, while the basis of the IC contract's near - month contract increased by 4.86 to - 55.31 [41] - **Inter - delivery Spread**: The inter - delivery spreads of different contracts also have corresponding changes. For example, the spread between the next - month and current - month IF contracts decreased by 2.40 to - 4.80 [47]
财达证券每日市场观察-20250820
Caida Securities· 2025-08-20 02:42
Market Performance - On August 19, the Shanghai Composite Index fell by 0.02%, the Shenzhen Component Index decreased by 0.12%, and the ChiNext Index dropped by 0.17%[4] - The total trading volume in the Shanghai and Shenzhen markets exceeded 2.59 trillion yuan, a decrease of 175.8 billion yuan compared to the previous trading day[4] Sector Analysis - The sectors with the highest gains included IT services, automotive parts, and consumer electronics, while the sectors with the largest outflows were securities, semiconductors, and aviation equipment[5] - Over 2,900 stocks rose in the market, with strong performance in sectors like reducers, CPO, integrated die-casting, immunotherapy, and industrial mother machines[1] Investment Insights - The market is experiencing a solid upward trend, with a technical need for consolidation above the 3,700-point level[2] - Investors are advised to consider reducing positions in previously high-performing tech stocks while focusing on AI computing, humanoid robots, and consumer recovery sectors[2] Fund Performance - More than 2,000 equity funds reached historical net asset value highs, with over 96% of equity funds achieving positive returns this year[14] - The strong performance is attributed to ample liquidity and gradual recovery in corporate earnings, leading to a bullish trend in the equity market[14] Economic Indicators - The National Development Bank issued 385 billion yuan in loans for advanced manufacturing and strategic emerging industries from January to July, marking a year-on-year increase of 51.3%[9] - The sports industry in China has seen an average annual growth rate of over 10% in the past five years, becoming a new highlight in economic development[11]
早报 | 美商务部推进收购英特尔10%股份;东方甄选辟谣CEO被立案调查;个人养老金新增3种领取情形;中印边界问题达成10点共识
虎嗅APP· 2025-08-20 00:22
Group 1: Intel Acquisition - The U.S. Department of Commerce is continuing to advance the government's acquisition of a 10% stake in Intel, with Secretary of Commerce Gina Raimondo addressing the details [2][4] - Intel must provide equity in exchange for federal subsidies [2] Group 2: Tariffs on Steel and Aluminum Products - The U.S. Department of Commerce announced the inclusion of 407 product categories in the steel and aluminum tariff list, with a tax rate of 50% [5][6] - The expanded tariff list aims to protect domestic manufacturing and reduce import dependency [6] Group 3: Personal Pension Withdrawals - New regulations effective September 1 allow for three additional scenarios for personal pension withdrawals, including significant medical expenses and unemployment benefits [7][8] Group 4: Stock Market Movements - Oriental Selection's stock experienced a dramatic fluctuation, rising by 23.56% before dropping by 20% within an hour, with a trading volume of 93.85 billion HKD [11][12] - The company has denied rumors regarding its CEO and stated that the average commission rate is below 20% [13] Group 5: Kodak's Financial Status - Kodak has denied reports of impending bankruptcy, asserting confidence in meeting debt obligations and improving its balance sheet [19] Group 6: Meta's AI Business Restructuring - Meta plans to restructure its AI division into four groups to enhance resource integration and accelerate product development [23] Group 7: ByteDance's Mobile Phone Rumors - ByteDance has refuted claims about developing an AI phone named "Doubao," stating there are no plans for a proprietary mobile product [25] Group 8: Bubble Mart's Financial Performance - Bubble Mart reported a revenue of 13.88 billion CNY for the first half of the year, a 204.4% increase year-on-year, driven by the success of LABUBU [28]
9月1日起实施!个人养老金新增3种领取情形
第一财经· 2025-08-19 07:12
2025.08. 19 据新华社,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; 申请之日前2年内领取失业保险金累计达到12个月; 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。 微信编辑 | 小羊 第 一 财 经 持 续 追 踪 财 经 热 点 。 若 您 掌 握 公 司 动 态 、 行 业 趋 势 、 金 融 事 件 等 有 价 值 的 线 索 , 欢 迎 提 供 。 专 用 ...
平安养老险入选「金贝」“2025卓越资产管理机构”
Core Viewpoint - The "2025 Asset Management Annual Conference" highlighted Ping An Pension Insurance's recognition as an "Outstanding Asset Management Institution" for the fourth time, reflecting its strong position in the pension finance sector and commitment to addressing aging population challenges in China [1][3]. Company Overview - Ping An Pension Insurance, established in December 2004, is the first professional pension insurance company in China, with a nationwide service network and 35 branches [3]. - The company has consistently focused on its core pension business, aiming to be a leading pension financial service institution in the country [3]. Industry Development - Over the decades, China's pension finance has evolved from a purely social perspective to a dual focus on both social and industrial aspects, establishing a multi-tiered pension insurance policy framework [5]. - Ping An Pension Insurance has adhered to an "innovation-driven" philosophy, actively participating in the development of a multi-tiered pension security system [5]. Asset Management Capabilities - The company manages various fund portfolios, including cash management and fixed income funds, and has been a key player in basic pension insurance fund management since 2016 [5]. - As of the end of Q1 2025, the company managed enterprise annuity entrusted and investment assets totaling 881.26 billion yuan [5]. Investment Management Strategy - Ping An Pension Insurance has built a professional investment management team to enhance asset allocation capabilities and achieve stable investment returns [6]. - The company follows a "long-term, safe, and stable" management philosophy, implementing robust risk management and compliance monitoring systems [6]. Future Outlook - The company aims to leverage its extensive pension management experience to contribute to the preservation and appreciation of citizens' pensions, supporting the development of a strong financial nation and high-quality pension finance [7].