个人税收递延型商业养老保险

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利率下行周期寻“养老答案” 二三支柱协同发展迎突破
2 1 Shi Ji Jing Ji Bao Dao· 2025-08-26 13:48
与此同时,中国保险行业协会(以下简称"中保协")公布的最新一期普通型人身保险产品预定利率研究 值已跌破2%关口至1.99%,人身险产品迎来了自预定利率与市场利率挂钩的动态调整机制建立以来首次 调整。多家险企应声而动,下调相关产品利率,其中,普通型保险产品预定利率最高值为2.0%,分红 型保险产品预定利率最高值为1.75%,万能型保险产品最低保证利率最高值为1.0%。 利率进入下行周期,原有依靠高收益类储蓄产品进行养老储备的逻辑受到挑战,新型养老金融体系正加 速构建。在"政策导向+市场倒逼"的双轮驱动下,二三支柱协同发展的多层次养老筹资模式,将成为化 解"未富先老"风险的突破口。同时,填补养老保险体系三支柱结构缺口不仅是金融机构的社会责任,更 是打开高质量增长通道的密钥。 人身保险产品预定利率研究值三连降 今年5月,我国存款挂牌利率迎来第七次下调,国有六大行率先下调存款利率,活期存款下调5bp,定期 存款下调15-25bp,3年、5年期调降幅度更大。本次调整完之后,活期存款接近零利率,1年期定存利率 降至1%以下,5年期整存整取利率也降至1.30%,存款利率全面进入"1%"时代。 随着国有六大行存款利率第七次下 ...
平安养老险入选「金贝」“2025卓越资产管理机构”
2 1 Shi Ji Jing Ji Bao Dao· 2025-08-16 14:37
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].
平安养老险入选「金贝」“2025卓越资产管理机构”
21世纪经济报道· 2025-08-16 14:25
Core Viewpoint - The article highlights the recognition of Ping An Pension Insurance as a leading asset management institution in China, emphasizing its commitment to innovation and excellence in the pension finance sector [1][3]. Group 1: Event Overview - The "2025 Asset Management Annual Conference" was held in Shanghai on August 16, 2023, where Ping An Pension Insurance was selected as a "2025 Excellent Asset Management Institution" [1]. - This marks the fourth time Ping An Pension Insurance has been included in the "Golden Shell" excellent case library, having previously been recognized in 2008, 2014, and 2024 [3]. Group 2: Company Background - Established in December 2004, Ping An Pension Insurance is the first professional pension insurance company in China, with a nationwide service network and a team of professionals [3]. - The company focuses on pension services and aims to be a leading institution in pension finance, supporting the national strategy to address aging [3]. Group 3: Pension Finance 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]. Group 4: Asset Management Capabilities - In the first pillar of pension finance, the company became one of the first institutions to manage basic pension insurance funds in 2016, overseeing various cash management and fixed income fund portfolios [5]. - As of the end of Q1 2025, the company managed enterprise annuity entrusted and investment assets totaling 881.258 billion yuan [5]. Group 5: Investment Management Strategy - The company has built a professional investment management team focused on enhancing asset allocation capabilities and achieving stable investment returns through diversified asset classes [6]. - Ping An Pension Insurance emphasizes a long-term, safe, and stable management philosophy, continuously improving risk management and compliance systems [6]. Group 6: Future Outlook - Looking ahead, Ping An Pension Insurance aims to leverage its extensive experience in pension management to enhance asset allocation and absolute return investment strategies, contributing to the preservation and appreciation of pensions [7]. - The company is committed to supporting the development of a strong financial nation and high-quality pension finance [7].
平安养老险:书写养老金融大文章,平安养老险交出专业答卷
Qi Lu Wan Bao· 2025-06-26 05:10
Core Viewpoint - The rapid aging population and diverse retirement needs in China necessitate urgent responses, with a focus on enhancing the multi-pillar pension system to ensure high-quality retirement living for residents [1][2]. Group 1: Demographic Trends and Pension System - 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, with those aged 65 and above reaching 220 million, or 15.6% [1]. - The average pension replacement rate in China is approximately 45%, showing a declining trend year by year, highlighting the increasing pressure on the first pillar of the pension system [1]. Group 2: Policy and Regulatory Framework - The State Council issued guidelines on March 5, 2025, emphasizing the importance of developing a multi-level and multi-pillar pension insurance system [2]. - The National Financial Supervision Administration has introduced an implementation plan for the high-quality development of pension finance, reiterating the need for active participation in the construction of a multi-layered pension insurance system [2]. Group 3: Company Case Study - Ping An Pension Insurance - Ping An Pension Insurance has established itself as a leader in the pension insurance sector, actively participating in the development of a multi-pillar pension system [3][4]. - The company has a comprehensive strategy that includes enhancing the first pillar, deepening the second pillar, and expanding the third pillar products [4]. Group 4: Second Pillar Development - Ping An Pension Insurance has become a leader in enterprise annuity management, with a management scale exceeding 1 trillion yuan, and has established a strong competitive position in the market [5][6]. - As of the end of 2024, there are 159,300 enterprises with enterprise annuities, covering 32.42 million employees, with a total fund accumulation of 3.64 trillion yuan, reflecting a 14.27% increase from the previous year [7]. Group 5: Third Pillar Expansion - The company is actively involved in the personal tax-deferred commercial pension insurance business, enhancing the supply of third-pillar products and ensuring a comprehensive approach to the pension system [5][9]. - The introduction of personal pension systems in 2022 and the subsequent policies in 2024 have created a favorable environment for the growth of third-pillar commercial pension insurance [10]. Group 6: Technological Integration and Future Directions - Ping An Pension Insurance is leveraging digital technology to enhance service delivery, including the development of a new generation of digital platforms for enterprise annuity management [8][11]. - The company aims to provide personalized online services to a wide range of clients, enhancing customer experience and expanding its market reach [8][11].