Recently, Xiao Zhang, a small Internet company in Beijing, told the Taurus reporters of China Securities Daily, the central securities certificate, heard that the recent pension financial products were very popular. But when the online consultation was conducted, the bank staff said, "No registered residence in Beijing can not be purchased".
Xiao Zhang reluctantly told reporters that he had been working in Beijing for seven or eight years after graduation, and the social security was paid in Beijing.
bank response: need to hold ID card of pilot area
The reporter visited and called a number of pilot banks that have issued pension financial products. The relevant people said that they only supported investors who had ID cards in ten pilot areas, such as Beijing, Qingdao and Shenzhen, and did not include non registered residence residents who were paying for social security in pilot areas or in pilot areas.
In this regard, Industrial And Commercial Bank Of China Limited(601398) financial manager told reporters that since the pension financial insurance products are still in the pilot stage, it is only open to residents in the pilot area.
She explained that some customers may have a deviation in their understanding of "pilot residents". At present, the buyers of these products are only customers with local ID cards, "because when customers buy products, the system will automatically identify and review the customer's ID information. Only customers whose ID card information can match the relevant pilot cities can complete the purchase." She suggested that investors can check the product manual before buying.
It is worth noting that the key point of the bank's audit of the customer's identity information lies in the issuing authority of the ID card.
Ms. Chen, who has purchased the pension products, told reporters that even if the registered residence in the pilot area is based on the certificate authority, the first time I bought it, I would not have succeeded in buying it. Although I am a local resident account, my ID number is still original and has not been updated in the banking system, so there will be no window pop-up tips when buying.
The financial manager of a branch of China Merchants Bank in Beijing said: "as long as the ID card held by the customer is issued by the license issuing authority of these ten pilot cities, it can be operated directly online and reviewed automatically in the background."
For some registered residence customers who are not in the pilot area but have special ID cards in the pilot area, the staff of the Construction Bank said that as long as the ID cards are still valid, they can basically buy them.
In fact, the restrictions on the sales objects of pension financial products are clearly written in the product manual. The reporter inquired about the instructions of all existing pension financial products and found that they clearly stated the specific purchaseable people and product distribution objects, including the sales city and the purchase conditions to be metP align = "center" picture: the manual of a pension financial product
new citizens are expected to buy
China financial network shows that there are 16 existing pension financial products, including 6 CCB financial products, 5 Everbright financial products, 3 ICBC financial products and 2 Zhaoyin financial products. From the nature of investment, pension financial products are mainly stable, with 11 products of fixed income and other products of mixed type, which are in line with the "safety" concept of pension products as a whole.
"The pilot area for pension financial products has expanded from four to ten places, and may be followed up gradually throughout the country. There will be no registered residence restrictions. At the same time, the particularity of the new community will be considered, and the exclusive products for the group will also be issued in the future." The above ICBC financial manager said.
In addition, a number of banks have issued relevant policies on pension financial services for new citizen groups.
For example, China Everbright Bank Company Limited Co.Ltd(601818) recently focused on new citizens' demand for financial services in key areas, and issued 24 specific measures to benefit and benefit the people in ten aspects of strengthening services to new citizens. One of them is to provide old-age security and inclusive financial management for new citizens. For example, innovate and issue more old-age financial management products that meet the characteristics of new citizens, and create inclusive financial management and insurance products such as "one yuan financial management" and "worry free insurance for water, electricity and fuel", so as to help new citizens realize their wishes.
Dong ximiao, chief researcher of Zhaolian finance, pointed out that financial institutions should develop exclusive financial products for new citizens, with a more flexible and stable term, meet the needs of new citizens, accelerate the introduction of pension savings products, and take differentiated measures in interest taxp align="center">
