Our reporter Su Xianggao trainee reporter Yang Jie
On April 29, the reporter learned from the Bank Of China Limited(601988) industry association that on that day, the policy seminar on the third pillar individual pension system hosted by the China pension finance 50 people forum was held in Beijing Bank Of China Limited(601988) Industry Association Secretary General Liu Feng was invited to attend and delivered a keynote speech entitled "build strength and get ready, and the banking industry promotes the innovative development of individual pension".
On April 21, the general office of the State Council issued the opinions on promoting the development of individual pension, which officially introduced the individual pension system, which is of symbolic significance to the construction of China's multi-level and multi pillar pension insurance system. In his speech at the seminar, Liu Feng shared the relevant business conditions and research preparations of the banking industry to the delegates. It mainly includes three aspects: first, the banking industry is the backbone to promote the innovation and development of personal pension. It is duty bound to undertake the responsibilities of managing personal pension accounts and providing financial products; Second, the banking industry should plan ahead, solidly coordinate with all parties, strengthen research, actively participate in testing, and prepare for the full implementation of individual pensions; Third, strengthen the publicity of individual pension business and investor education, which requires joint efforts both inside and outside the industry.
Liu Feng said that all along, the banking industry has made great efforts to support the construction of the national pension security system and the development of pension finance. The banking industry has become the backbone in pension security and pension finance. Next, we will give further play to the advantages of abundant banking group resources, wide range of personal customer service points and rich experience in pension management to promote the innovative development of personal pension. At present, the CBRC is studying and formulating supporting policies related to the third pillar personal pension, clarifying the capital account rules and relevant product management requirements, so as to ensure the launch of more bank insurance products with safe operation, maturity and stability, standardized target and focusing on long-term preservation, so as to effectively meet the differentiated pension needs of consumers. Over the years, Bank Of China Limited(601988) Industry Association has practiced the purpose of "serving regulatory authorities and member units", continuously led the banking industry to study, think and practice the innovative development of individual pension system and pension finance, and formed a series of achievements.
In addition, Liu Feng said that at present, the society needs to deepen its understanding of the individual pension system. The public doesn't know much about its unique role in enjoying preferential tax policies and providing old-age security. It doesn't have enough analysis and judgment on the demand of future old-age security. It doesn't have a strong awareness of active pension accumulation and management. It doesn't fully realize that the coordinated development of the "three pillars" can better provide services such as cross cycle fund management and lifelong pension. In the future, Bank Of China Limited(601988) Industry Association will continue to build communication platforms and bridges for all parties, focusing on the following aspects: first, continue to follow up the trends of pension financial policies, guide the banking industry to implement the upcoming individual pension supporting system, and standardize the development of individual pension and other individual commercial pension financial services; Second, further strengthen the education and publicity of pension finance, and briefly popularize the key points of individual pension policy and business operation process; Third, further improve the supply capacity of comprehensive products and services, assist consumers in rational planning of pension funds, and explore the application and construction of pension finance scenarios.
