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成全国首家上线税延险三方平台

来源: 南方日报网络版     时间: 2019年09月20日 14:09:38
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(原)(标)(题)(:陆)(金)(所)(上)(线)(“税)(延)(养)(老)(险)(”成)(全)(国)(首)(家)(上)(线)(税)(延)(险)(三)(方)(平)(台)(
继)(首)(批)(16家)(商)(业)(保)(险)(机)(构)(推)(出)(“个)(人)(税)(收)(递)(延)(型)(商)(业)(养)(老)(保)(险)(”之)(后)(,近)(日)(,中)(国)(领)(先)(的)(线)(上)(财)(富)(管)(理)(平)(台)(陆)(金)(所)(率)(先)(在)(其)(“年)(金)(”频)(道)(上)(线)(“税)(延)(养)(老)(保)(险)(”产)(品)(,成)(为)(全)(国)(首)(家)(上)(线)(“税)(延)(险)(”的)(第)(三)(方)(平)(台)(。
开)(通)(税)(延)(险)(个)(人)(线)(上)(参)(保)(渠)(道)(
陆)(金)(所)(此)(次)(上)(线)(的)(“税)(延)(养)(老)(保)(险)(”由)(平)(安)(养)(老)(险)(推)(出)(,有)(收)(益)(确)(定)(型)(、收)(益)(保)(底)(型)(和)(收)(益)(浮)(动)(型)(三)(款)(产)(品)(,匹)(配)(了)(低)(、中)(、高)(不)(同)(风)(险)(偏)(好)(的)(客)(户)(需)(求)(。据)(悉)(,该)(产)(品)(已)(于)(8月)(17日)(正)(式)(上)(线)(陆)(金)(所)(APP。
目)(前)(,全)(国)(有)(16家)(获)(得)(税)(延)(养)(老)(险)(经)(营)(资)(格)(的)(保)(险)(公)(司)(。据)(了)(解)(,目)(前)(获)(得)(批)(准)(的)(首)(批)(保)(险)(公)(司)(多)(采)(取)(与)(企)(业)(方)(合)(作)(方)(式)(为)(个)(人)(用)(户)(办)(理)(税)(延)(险)(服)(务)(,尚)(没)(有)(直)(接)(面)(向)(个)(人)(客)(户)(服)(务)(方)(式)(。陆)(金)(所)(则)(作)(为)(首)(家)(线)(上)(“税)(延)(险)(”的)(第)(三)(方)(平)(台)(,向)(个)(人)(开)(通)(办)(理)(渠)(道)(,方)(便)(普)(通)(用)(户)(直)(接)(在)(网)(上)(进)(行)(投)(保)(,极)(大)(提)(升)(了)(客)(户)(投)(保)(的)(自)(主)(性)(和)(便)(捷)(性)(。
税)(延)(养)(老)(保)(险)(采)(取)(的)(模)(式)(是)(缴)(费)(时)(税)(前)(扣)(除)(,领)(取)(时)(扣)(税)(的)(模)(式)(,税)(收)(优)(惠)(幅)(度)(和)(工)(资)(收)(入)(是)(直)(接)(挂)(钩)(的)(,因)(此)(,并)(不)(是)(所)(有)(人)(都)(适)(合)(参)(与)(。以)(试)(点)(城)(市)(之)(一)(上)(海)(为)(例)(,目)(前)(的)(个)(税)(免)(征)(额)(是)(3500元)(,上)(海)(大)(部)(分)(企)(业)(的)(“五)(险)(一)(金)(”缴)(费)(比)(例)(为)(17.5%,因)(此)(,月)(需)(纳)(税)(工)(资)(低)(于)(5000元)(的)(人)(群)(并)(不)(适)(合)(买)(这)(个)(产)(品)(。如)(果)(税)(前)(工)(资)(是)(15000元)(,每)(个)(月)(可)(以)(少)(纳)(税)(180元)(。月)(薪)(2万)(的)(可)(以)(少)(纳)(税)(250元)(。
作)(为)(中)(国)(平)(安)(集)(团)(旗)(下)(线)(上)(财)(富)(管)(理)(综)(合)(平)(台)(,陆)(金)(所)(在)(专)(业)(风)(险)(管)(控)(体)(系)(基)(础)(上)(,为)(投)(资)(者)(提)(供)(多)(元)(化)(财)(富)(管)(理)(服)(务)(。以)(保)(险)(品)(类)(为)(例)(,目)(前)(陆)(金)(所)(平)(台)(已)(上)(线)(产)(品)(包)(括)(意)(外)(险)(、旅)(游)(险)(等)(精)(选)(保)(险)(产)(品)(,客)(户)(可)(在)(平)(台)(上)(挑)(选)(财)(富)(管)(理)(、健)(康)(管)(理)(、生)(活)(管)(理)(等)(多)(方)(面)(的)(优)(质)(保)(险)(服)(务)(。此)(次)(陆)(金)(所)(平)(台)(又)(上)(线)(税)(延)(养)(老)(保)(险)(产)(品)(,使)(其)(平)(台)(保)(险)(类)(产)(品)(更)(加)(多)(元)(化)(,客)(户)(可)(享)(受)(更)(加)(完)(善)(的)(保)(险)(保)(障)(服)(务)(。
让)(养)(老)(更)(有)(保)(障)(
税)(延)(养)(老)(保)(险)(,全)(称)(是)(“个)(人)(税)(收)(递)(延)(型)(商)(业)(养)(老)(保)(险)(”。不)(同)(于)(“五)(险)(一)(金)(”中)(的)(养)(老)(保)(险)(,它)(不)(是)(政)(府)(主)(导)(强)(制)(购)(买)(的)(保)(险)(,而)(是)(一)(种)(个)(人)(自)(主)(缴)(费)(的)(商)(业)(保)(险)(。税)(延)(养)(老)(保)(险)(已)(酝)(酿)(11年)(之)(久)(,其)(落)(地)(是)(我)(国)(建)(设)(养)(老)(保)(险)(体)(系)(的)(重)(大)(进)(展)(,有)(望)(为)(个)(人)(提)(供)(除)(了)(基)(础)(养)(老)(金)(以)(外)(更)(多)(的)(养)(老)(保)(障)(。
据)(数)(据)(显)(示)(,2010年)(我)(国)(老)(年)(抚)(养)(比)(为)(11.9%,到)(2050年)(将)(增)(至)(27.9%。面)(对)(“老)(龄)(社)(会)(”渐)(行)(渐)(近)(,日)(前)(银)(保)(监)(会)(发)(布)(《个)(人)(税)(收)(递)(延)(型)(商)(业)(养)(老)(保)(险)(资)(金)(运)(用)(管)(理)(暂)(行)(办)(法)(》,自)(5月)(1日)(起)(,上)(海)(市)(、福)(建)(省)((含)(厦)(门)(市)()和)(苏)(州)(工)(业)(园)(区)(开)(始)(实)(施)(个)(人)(税)(收)(递)(延)(型)(商)(业)(养)(老)(保)(险)(试)(点)(。
从)(试)(点)(政)(策)(来)(看)(,凡)(在)(上)(海)(市)(、福)(建)(省)((含)(厦)(门)(市)()、苏)(州)(工)(业)(园)(区)(三)(个)(试)(点)(地)(区)(纳)(税)(的)(纳)(税)(人)(,即)(取)(得)(工)(资)(薪)(金)(、连)(续)(性)(劳)(务)(报)(酬)(所)(得)(的)(个)(人)(以)(及)(个)(体)(工)(商)(户)(、个)(人)(独)(资)(企)(业)(投)(资)(者)(,均)(可)(办)(理)(税)(延)(养)(老)(险)(。扣)(税)(方)(面)(,保)(险)(费)(按)(照)(参)(保)(人)(当)(月)(收)(入)(6%税)(前)(列)(支)(,最)(高)(减)(免)(1000元)(;缴)(费)(当)(期)(及)(积)(累)(期)(无)(需)(缴)(税)(,计)(入)(个)(人)(商)(业)(养)(老)(资)(金)(账)(户)(的)(投)(资)(收)(益)(,待)(退)(休)(领)(取)(时)(按)(7.5%比)(例)(缴)(税)(。保)(障)(和)(收)(益)(方)(面)(,税)(延)(险)(含)(养)(老)(年)(金)(、身)(故)(保)(险)(金)(、全)(残)(保)(险)(金)(责)(任)(,同)(时)(长)(期)(定)(投)(类)(似)(强)(制)(储)(蓄)(,兼)(顾)(投)(资)(与)(收)(益)(。
对)(个)(人)(而)(言)(,购)(买)(了)(该)(类)(养)(老)(保)(险)(产)(品)(的)(个)(人)(,所)(缴)(纳)(的)(保)(费)(可)(以)(在)(税)(前)(扣)(除)(,等)(到)(将)(来)(领)(取)(保)(险)(金)(时)(再)(缴)(纳)(个)(人)(所)(得)(税)(。这)(样)(做)(最)(大)(的)(好)(处)(是)(在)(降)(低)(个)(人)(当)(下)(的)(税)(务)(负)(担)(,同)(时)(为)(将)(来)(多)(一)(重)(养)(老)(保)(障)(,让)(养)(老)(更)(有)(质)(量)(。
(经)(济)(日)(报)(记)(者)(:李)(治)(国)(责)(编)(:胡)(达)(闻)()返)(回)(搜)(狐)(,查)(看)(更)(多)(
责)(任)(编)(辑)(:
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