Author: Qi Ning

　　With the launch of the personal pension system, the "competition" among the pilot banks for the opening of personal pension fund accounts has officially begun.

　　Open an account to win cash red envelopes, open an account to receive instant discounts on WeChat, a year’s maximum tax savings of 5,400, and door-to-door services for batch opening... Recently, many people’s circle of friends has been swiped by the marketing copy of the bank’s wealth management manager.

The reporter's consultation found that the current methods of marketing and attracting customers for opening personal pension fund accounts are similar, but from mobile banking apps to wealth management managers, they are all full of "atmosphere".

　　The personal pension fund account is the only fund entrance for the personal pension, corresponding to the personal pension account, and the participant can only choose one bank to open.

A number of customer managers in the pilot regions of major banks revealed that the company has required employees to bear account opening KPIs, and different positions have different quantity requirements.

However, an account manager in Beijing also told reporters that although there is no KPI indicator for the number of accounts opened, as a strategic business, the more customers the better.

From a business point of view, the choice of participants will directly affect the bank's demand deposits (when the funds are idle), time deposits (retirement savings), and the consignment sales of individual pension funds, wealth management, and insurance.

　　However, for individuals, the welfare activities launched by banks are not the key. Before opening an account, you need to understand the specific benefits of participating in personal pensions and the differences between opening accounts in different banks, and then make a rational choice according to the different characteristics of each bank.

　　Bank Fancy Marketing

　　"XX Bank's personal pension has been launched, and you can get a cash red envelope when you open an account. If you are lucky, you can reach 288 yuan!" Recently, Xiaoliu in Beijing received similar messages from financial managers of many banks, including large state-owned banks and joint-stock banks. It is recommended to open a personal pension account.

　　In fact, this kind of marketing activity has been launched on the mobile apps of major banks for a long time. At first, it was an appointment to open a personal pension account, and now it is an official opening.

　　On the afternoon of November 25, the Ministry of Human Resources and Social Security announced the list of 36 individual pension pioneer cities (regions) including Beijing, Shanghai, Guangzhou, Xi'an, and Chengdu, announcing the launch of the personal pension system.

From now on, workers who participate in the basic endowment insurance for employees or the basic endowment insurance for urban and rural residents in the locations of the leading cities (regions) can use the National Social Insurance Public Service Platform, the National Human Resources and Social Security Government Service Platform, electronic social security cards, "Handheld 12333APP", etc. Establish a personal pension account through a unified online service portal or commercial banks across the country; open a personal pension fund account through a commercial bank.

　　The personal pension account is unique for life, and the corresponding personal pension fund account, as the only fund entrance of the personal pension, can only be opened in one commercial bank.

According to the "Interim Measures for the Administration of Personal Pension Business of Commercial Banks and Wealth Management Companies" (hereinafter referred to as the "Measures") issued by the China Banking and Insurance Regulatory Commission on November 18, the first batch of banks that can start personal pension business mainly includes 6 large banks, 12 1 joint-stock bank, 5 city commercial banks.

　　The reporter logged into the mobile banking apps of various banks and found that most of the pilot banks have set up eye-catching "account opening" activities in the personal pension area, and have different incentives for account opening and deposit.

　　Taking Industrial and Commercial Bank of China as an example, the bank’s mobile APP shows that if you successfully open a personal pension fund account in the bank for the first time before December 31, 2023, you will have the opportunity to receive a 50 yuan WeChat instant discount (available for binding WeChat payment), Deposit/recharge also have the opportunity to receive a 20 yuan WeChat instant discount, the number is limited, first come first served.

　　In addition, according to the customer service introduction of China Construction Bank, opening a personal pension fund account in the bank before December 2 this year can also receive gifts, but you need to recharge more than 0.01 yuan, and you can get a 50 yuan WeChat instant discount. The number is collected on the WeChat public account.

An account manager in the Beijing area of ​​the Agricultural Bank of China introduced to the customer that opening a personal pension fund account with the bank can receive a 50 yuan WeChat instant discount, but the premise is to bind the bank card of the bank.

　　Another example is China Merchants Bank, which not only launched an activity for customers in pilot cities to draw a red envelope of up to 288 yuan for opening an account, but also continued to advance card slots for non-pilot cities, and made an appointment to open an account to draw a red envelope of up to 66 yuan; 10 yuan cash red envelope, but the bank's cash red envelope activity is only for cardholders of the bank.

The Industrial Bank mobile banking APP also shows that before December 31 this year, you can draw 18.8 yuan, 28 yuan, 88 yuan, 188 yuan, and 288 yuan in red envelopes for opening a personal pension account. Ping An Bank shows that "personal pension account opening receives 25 yuan."

　　From a business point of view, the choice of participants will directly affect the bank's demand deposits (when the funds are idle), time deposits (pension savings products), and the consignment sales of individual pension funds, wealth management, and insurance.

The reporter noticed that China Merchants Bank's "opening an account and drawing a red envelope of up to 288 yuan" activity currently has 392,300 participants, and 30,400 participants have made an appointment.

　　Wealth managers solicit customers in batches

　　"How many people in your unit pay social security locally?" Wang Yuan, who lives in Chengdu, was puzzled by the client manager's question when consulting personal pension accounts.

Only later did he know that the other party hoped to open a personal pension fund account through him through his colleagues in the work unit, so as to complete the account opening KPI as soon as possible.

　　"This is related to my KPI, thank you for your support." A local account manager of China Construction Bank in Chengdu said that opening a personal pension fund account with the bank can get a reward of up to 120 yuan, of which 50 yuan is a WeChat instant discount for opening an account That is, you need to enter the service code to receive the 50 yuan "CCB Life" consumption (discount) coupon. If the unit opens it together, you can provide on-site service and guide the process of opening an account and receiving rewards.

　　The reporter also learned from the customer service of China Merchants Bank that if the unit wants to open individual pension accounts for employees in batches, if the customer already holds a China Merchants Bank card, key personnel of the company can contact the marketing manager of the local branch, and the marketing manager can use Xinfutong, etc. Channel, which produces exclusive account opening QR codes for enterprises. Employees can scan the QR codes to open personal pension accounts, and the process is easy to operate.

The reporter searched the mobile apps of many banks and found that most banks provide a convenient way for unit employees to open accounts in batches.

　　After consultation, Wang Yuan found that although the account opening process introduced by the account manager is the same as that of opening an account independently in mobile banking, the other party often hopes that customers can easily enter a service code, or open directly through the exclusive QR code shared by the account manager.

"In the early stage, some accounts were not recommended by the account manager's real name, and many of them were 'claiming' themselves." A Beijing resident told reporters.

　　Several local account managers of ICBC in Beijing revealed to clients that most of the bank’s employees in different positions have account opening KPI assessments, ranging from dozens to hundreds.

However, an account manager of CCB in Beijing told reporters that although there is no specific KPI on the number of accounts opened, as a strategic business, the more customers the better, customers and family members are welcome to open accounts through it.

　　The reporter learned on the 22nd that the Industrial and Commercial Bank of China took the lead in launching a formal appointment system for personal pension accounts, and first tested it for internal employees and their families. Start the internal test bank to start an appointment to open a personal pension account").

In addition, a local account manager of China Construction Bank in Beijing said that the employees of the company had been receiving relevant training a few days before the opening.

　　After the account opening system of each bank was officially launched on the 25th, in the circle of friends of the wealth management managers of each bank, in addition to mainstream marketing methods such as opening an account to draw red envelopes, winning cash, and receiving instant discounts, there will generally be attached "account opening can enjoy 12,000 yuan/year" Popular science knowledge publicity of "tax preferential quota" and "maximum tax saving of 5,400 yuan per year".

Some financial managers will also emphasize the benefits of opening an account early-opening an account and depositing it within the year can enjoy the 2022 tax incentives.

　　What are the benefits of opening an account?

　　Tax benefits are indeed one of the main benefits of participating in a personal pension.

According to relevant policies, the upper limit of individual pension participants' annual personal pension payment is 12,000 yuan, which can be paid on a monthly, installment or annual basis. The payment amount is accumulated in a natural year and recalculated in the next year.

For individual pension contributors, the annual limit of 12,000 yuan will be deducted before tax, and the investment income will not be taxed for the time being, and the personal income tax will be calculated separately at a tax rate of 3%.

　　A certain tax calculator shows that if the participant is a 30-year-old male in Beijing with a pre-tax monthly income of 15,000 yuan and deposits according to the upper limit of 12,000 yuan, he can enjoy a tax discount of 1,200 yuan per year, and can enjoy tax benefits when he retires. The discount is about 42,000 yuan.

As your monthly income increases, your tax savings may also increase.

However, to reach the "ceiling" of "maximum tax savings of 5,400 yuan per year" mentioned in some propaganda, a monthly income of more than 80,000 yuan is required.

　　On November 25, the version of the personal income tax app was updated simultaneously, and the "personal pension deduction information management" function was added to the tax service channel, which supports scanning the QR code of the personal pension payment voucher to enter relevant deduction information.

　　However, it is worth noting that some financial managers said that personal pensions will be taxed at 3% when receiving them. It may be more suitable to directly purchase pension products such as pension funds and commercial pension insurance; residents with a monthly income of 5,000 to 8,000 yuan pay tax at the lowest tax rate of 3%. a choice.

　　In addition to tax benefits, after depositing personal pensions, participants can independently choose bank wealth management, savings deposits, commercial pension insurance, public funds, etc. that meet the regulations according to their investment preferences.

The account adopts a closed management model. Participants can only receive personal pensions when they reach the age of receiving basic pensions, or are completely incapacitated, go abroad (territory) and settle in other situations that meet national regulations. Generally, they are not allowed to receive personal pensions in advance. retirement planning.

　　At present, the bank is the only institution that can simultaneously open individual pension fund accounts for individual pension accounts.

The reporter found through online account opening applications in several large banks and joint-stock banks that the account opening process of each bank is similar, and most banks will open a personal pension account and a personal pension fund account at one time by default, and identity authentication is generally required during the opening process , face recognition, etc., but there are also banks that simplify the identity authentication process for logged-in card accounts.

　　These differences need to know

　　Although the "Measures for the Implementation of Personal Pensions" (hereinafter referred to as the "Measures") stipulates that participants can change their personal pension fund accounts between different commercial banks. When the bank opens a new personal pension fund account, the funds in the original account and the personal pension products held will be transferred and transferred accordingly.

However, according to the reporter's understanding, at present, because it has just started, the change process of most bank accounts is not perfect.

　　For the participants, there is generally little difference in which bank they choose to open their personal pension funds account, but there are also subtle differences.

　　The first is that the range of bank cards that can be bound is different.

As a special dedicated (electronic) fund account, the personal pension fund account is managed with reference to the Class II account under the personal RMB bank settlement account, and must be bound with a personal Class I debit card.

According to a financial manager of a major bank, this special account is neither a savings account nor an investment account, but a necessary channel for participants to use the funds in the bound card to purchase special (investment) products.

　　The reporter's experience found that the range of bank cards that different types of banks can choose varies greatly.

For example, major banks such as Industrial and Commercial Bank of China and China Construction Bank are generally limited to binding Class I savings cards of 6 major state-owned banks; joint-stock banks have more options. Taking Industrial Bank as an example, other banks in the bank’s personal pension fund account can The scope of binding is 6 large state-owned banks and 9 joint-stock banks; besides the bank, China Merchants Bank can also choose 6 large state-owned banks and 11 joint-stock banks, Shengjing Bank, Bank of Jiangsu, Bank of Ningbo, Bank of Changsha, Eight city commercial banks including Bank of Guiyang, Bank of Guizhou, Bank of Qinghai, and Bank of Shanghai, as well as Shandong Rural Credit Cooperatives and Guizhou Rural Credit Cooperatives.

　　The second is the range of investment products that can be purchased, which is closely related to the agency sales system of the account opening bank.

Although a number of account managers said that in the future, each bank will basically connect to all personal pension exclusive products, and the difference will not be great, but the reporter consulted customer service personnel of many banks, and the other party said that the personal pension products that participants can choose are limited to account opening within the scope of sales consignment.

　　This difference can also be confirmed from other platform entrances.

Taking China Asset Management as an example, the personal pension red envelope activity launched by it shows that the personal pension fund accounts currently supported by the platform are Industrial and Commercial Bank of China, China Guangfa Bank, and Industrial Bank.

　　As of November 30, in the list of personal pension products disclosed by the national social insurance public service platform, there are already 129 fund products, 7 insurance products, and wealth management and savings products have not yet been announced.

According to the directory of the first batch of agency sales agencies for personal pension investment fund business announced by the China Securities Regulatory Commission on the 18th, a total of 16 commercial banks were shortlisted.

At present, among the 23 commercial banks that can carry out personal pension business, 16 banks have opened capital account business, of which 11 have opened fund transaction business, and 1 has opened savings product transaction business.