May 31, 2010
---------------------
Monday
>>>Welcome visitor, you're not logged in.
Login   Subscribe Now!
Home User Management About Us Chinese
  Bookmark   Download   Print
Search:  serch "Fabao" Window Font Size: Home PageHome PageHome Page
 
Notice by the China Banking and Insurance Regulatory Commission of Issuing the Interim Measures for the Administration of the Private Pension Business of Commercial Banks and Wealth Management Companies [Effective]
中国银保监会关于印发商业银行和理财公司个人养老金业务管理暂行办法的通知 [现行有效]
【法宝引证码】
 
  
  
Notice by the China Banking and Insurance Regulatory Commission of Issuing the Interim Measures for the Administration of the Private Pension Business of Commercial Banks and Wealth Management Companies 

中国银保监会关于印发商业银行和理财公司个人养老金业务管理暂行办法的通知

(No. 16 [2022] of the China Banking and Insurance Regulatory Commission) (银保监规〔2022〕16号)

All local offices of the China Banking and Insurance Regulatory Commission ("CBIRC"); all large banks, joint-stock banks, wealth management companies, all insurance group (holding) companies, insurance companies, insurance asset management companies, and pension management companies; China Banking and Insurance Information Technology Management Co., Ltd., and China Wealth (Asset) Management Registry and Custody Co., Ltd.: 各银保监局,各大型银行、股份制银行、理财公司,各保险集团(控股)公司、保险公司、保险资产管理公司、养老金管理公司,中国银行保险信息技术管理有限公司、银行业理财登记托管中心有限公司:
For the purposes of advancing the building of a multi-level and multi-pillar pension insurance system and promoting the development of the private pension business of commercial banks and wealth management companies, the Interim Measures for the Administration of the Private Pension Business of Commercial Banks and Wealth Management Companies (hereinafter referred to as the "Interim Measures") are hereby issued to you together with a notice of the relevant matters as follows: 为推进多层次、多支柱养老保险体系建设,促进商业银行和理财公司个人养老金业务发展,现将《商业银行和理财公司个人养老金业务管理暂行办法》(以下简称《暂行办法》)印发给你们,并就有关事项通知如下:
I. Effectively improving ideological understanding. Conducting private pension business is an important measure to appeal to the people-oriented nature of financial work. All participating institutions shall improve their ideological understanding, adhere to the people-centered development thought, increase the supply of private pension products, effectively meet the diverse pension needs of the public, and contribute to the sound development of the third-pillar pension insurance system.   一、切实提高思想认识。开展个人养老金业务,是践行金融工作人民性的重要举措。各参与机构应提高思想认识,坚持以人民为中心的发展思想,丰富个人养老金产品供给,切实满足人民群众多样化养老需求,助力第三支柱养老保险体系健康发展。
II. Actively conducting preparatory work. National commercial banks and city commercial banks possessing relatively enhanced capability of cross-regional services, of which the net Tier 1 capital is more than 100 billion yuan, and the main prudential regulatory indicators meet regulatory provisions, as of the end of the third quarter of 2022, may commence private pension business. Wealth management companies which have been included in the scope of the pension wealth management product pilot program as of the end of the third quarter of 2022 may commence private pension business. Wealth management companies shall, as required by the Interim Measures, formulate private pension business commencement plans, conduct feasibility assessments of wealth management products intended to participate in the operation of private pensions, and file business plans with the CBIRC. Commercial banks and wealth management companies shall fulfill their main responsibilities, complete preparations for the business as soon as possible, and ensure that system building, staffing, and connection between systems, among others, meet the needs of the private pension business.   二、积极开展筹备工作。截至2022年三季度末,一级资本净额超过1000亿元、主要审慎监管指标符合监管规定的全国性商业银行和具有较强跨区域服务能力的城市商业银行,可以开办个人养老金业务。截至2022年三季度末已纳入养老理财产品试点范围的理财公司,可以开办个人养老金业务。理财公司应当按照《暂行办法》要求制定开办个人养老金业务方案,对拟参与个人养老金运行的理财产品开展可行性评估,并将业务方案报送银保监会。商业银行、理财公司应当履行主体责任,尽快完成业务筹备工作,确保制度建设、人员配备、系统对接等满足个人养老金业务需求。
III. Reporting on the business in a timely manner. Commercial banks and wealth management companies shall report on system building, staffing, connection between systems, product management, and other developments to the entities directly overseeing them within ten days after officially commencing the private pension business. The CBIRC and its regional offices shall continuously monitor the operational and risk conditions of the private pension business, and urge commercial banks and wealth management companies to conduct the private pension business in a steady and orderly manner.   三、及时报告业务开展情况。商业银行、理财公司应当在正式开办个人养老金业务后10日内向其直接监管责任单位报告制度建设、人员配备、系统对接、产品管理等情况。银保监会及其派出机构应当持续监测个人养老金业务运行情况和风险状况,督促商业银行、理财公司稳妥有序开展个人养老金业务。
IV. Commercial banks and wealth management companies shall conduct business in cities selected by the relevant state authorities for the trial implementation of the private pension system, and then gradually extend it in accordance with the relevant provisions issued by the state.   四、商业银行、理财公司在国家有关部门选定的个人养老金制度试行城市开展业务,后续按照国家有关规定逐步推开。
China Banking and Insurance Regulatory Commission 中国银保监会
November 17, 2022 2022年11月17日
Interim Measures for the Administration of the Private Pension Business of Commercial Banks and Wealth Management Companies 商业银行和理财公司个人养老金业务管理暂行办法
Chapter I General Provisions 

第一章 总 则

Article 1 For the purposes of advancing the building of the third-pillar pension insurance system and regulating the private pension business of commercial banks and wealth management companies, these Measures are formulated according to the Commercial Bank Law of the People's Republic of China, the Banking Supervision Law of the People's Republic of China, the Insurance Law of the People's Republic of China, and other laws and regulations and the Opinions of the General Office of the State Council on Promoting the Development of Private Pensions (No. 7 [2022], General Office of the State Council).   第一条 为推进第三支柱养老保险体系建设,规范商业银行和理财公司个人养老金业务,根据《中华人民共和国商业银行法》《中华人民共和国银行业监督管理法》《中华人民共和国保险法》等法律法规以及《国务院办公厅关于推动个人养老金发展的意见》(国办发〔2022〕7号),制定本办法。
Article 2 For the purposes of these Measures, "private pension business" means the business conducted by commercial banks and wealth management companies in accordance with the relevant provisions issued by the state, operating in a market-oriented manner, with policy support from the government, which performs the function to supplement pension insurance.   第二条 本办法所称个人养老金业务,是指商业银行和理财公司按照国家有关规定开展、市场化运营、政府提供政策支持、实现养老保险补充功能的业务。
Article 3 For the purposes of these Measures, "participant" means a worker who complies with the relevant provisions issued by the state and participates in the basic pension insurance for urban employees or the basic pension insurance for urban and rural residents within the territory of China.   第三条 本办法所称参加人,是指符合国家有关规定,在中国境内参加城镇职工基本养老保险或者城乡居民基本养老保险的劳动者。
Article 4 For the purposes of these Measures, "private pension fund account" (hereinafter referred to as the "fund account") means a special earmarked account with functions such as contributions to the private pension, transaction fund transfers, income concentration, payments and payment of individual income tax, and information inquiry, which is managed as a Class Ⅱ account under a personal RMB checking account (hereinafter referred to as "Class II account"). If the conditions of withdrawal specified by the state are not met, a fund account shall be in closed operation.   第四条 本办法所称个人养老金资金账户(以下简称资金账户),是指具有个人养老金缴费、交易资金划转、收益归集、支付和缴纳个人所得税、信息查询等功能的特殊专用账户,参照个人人民币银行结算账户项下Ⅱ类户管理(以下简称Ⅱ类户)。未达到国家规定领取条件的,资金账户封闭运行。
Article 5 For the purposes of these Measures, "private pension product" means a financial product that meets the requirements of financial regulatory authorities, is safe in operation, mature, and stable, has well-regulated subject matters, and focuses on long-term preservation of value, including without limitation personal retirement savings, a private pension wealth management product, a private pension insurance product, or a private pension publicly offered fund product.   第五条 本办法所称个人养老金产品,是指符合金融监管机构要求,运作安全、成熟稳定、标的规范、侧重长期保值的金融产品。包括个人养老储蓄、个人养老金理财产品、个人养老金保险产品、个人养老金公募基金产品等。
Article 6 China Banking and Insurance Information Technology Management Co., Ltd. and China Wealth (Asset) Management Registry and Custody Co., Ltd. shall respectively establish a banking and insurance industry information platform for private pension (hereinafter referred to as the "banking and insurance industry platform") and a wealth management product industry information platform for private pension (hereinafter referred to as the "wealth management industry platform").   第六条 中国银行保险信息技术管理有限公司和银行业理财登记托管中心有限公司分别建立个人养老金银行保险行业信息平台(以下简称银保行业平台)和个人养老金理财产品行业信息平台(以下简称理财行业平台)。
The banking and insurance industry platform and the wealth management industry platform shall, according to the requirements of the private pension system and the actual conditions of business, establish connections of systems with the private pension information management service platform established by the Ministry of Human Resources and Social Security (hereinafter referred to as the "MOHRSS information platform"), with commercial banks and wealth management companies which the China Banking and Insurance Regulatory Commission ("CBIRC") determines may conduct the private pension business, and with private pension product offering, distribution, custodian, and other institutions determined by other financial regulatory authorities, provide support for the private pension business, and formulate business rules for the industry platforms. 银保行业平台和理财行业平台按照个人养老金制度要求和实际业务情况,与人力资源社会保障部建立的个人养老金信息管理服务平台(以下简称人社信息平台),银保监会确定可开展个人养老金业务的商业银行、理财公司,以及其他经金融监管机构确定的个人养老金产品发行、销售、托管等机构建立系统对接,为个人养老金业务提供支持,并制定行业平台业务细则。
Article 7 Commercial banks and wealth management companies shall establish and improve a consumer rights and interests protection mechanism, improve their systems for internal assessment of consumer rights and interests protection, build facilitative and efficient complaint handling channels, and embed consumer rights and interests protection requirements in their systems for management of the private pension business throughout the process.   第七条 商业银行、理财公司应当建立健全消费者权益保护机制,完善消费者权益保护内部考核体系,构建便捷高效的投诉处理渠道,将消费者权益保护要求嵌入个人养老金业务全流程管理体系。
Article 8 A list of commercial banks and wealth management companies commencing the private pension business shall be determined by the CBIRC. The CBIRC and its regional offices shall, in accordance with these Measures, supervise and administer the private pension business operations of commercial banks and wealth management companies.   第八条 开办个人养老金业务的商业银行和理财公司名单由银保监会确定。银保监会及其派出机构依照本办法,对商业银行和理财公司个人养老金业务经营活动进行监督管理。
Chapter II Private Pension Business of Commercial Banks 

第二章 商业银行个人养老金业务

Section 1 General Rules 

第一节 一般规定

Article 9 The private pension business of a commercial bank shall include:   第九条 商业银行个人养老金业务包括:
(1) Fund account business. (一)资金账户业务;
(2) Personal retirement savings business. (二)个人养老储蓄业务;
(3) Business of distributing private pension products on behalf of principal including without limitation private pension wealth management products, private pension insurance products, and private pension publicly offered fund products, unless otherwise specified by the financial regulatory authorities of the State Council. (三)个人养老金产品代销业务,包括代销个人养老金理财产品、个人养老金保险产品、个人养老金公募基金产品等,国务院金融监管机构另有规定的除外;
(4) Private pension consulting business. (四)个人养老金咨询业务;
(5) Other private pension business as specified by the CBIRC. (五)银保监会规定的其他个人养老金业务。
Article 10 A commercial bank commencing the private pension business shall establish a private pension business management system, interface it with the MOHRSS information platform, the banking and insurance industry platform, and the wealth management industry platform, and obtain a compliance opinion upon acceptance inspection or comply with relevant requirements.   第十条 开办个人养老金业务的商业银行应当建立个人养老金业务管理系统,与人社信息平台、银保行业平台、理财行业平台对接,取得验收合格意见或符合相关要求。
A commercial bank shall regularly conduct technical assessments of its private pension business management system, and ensure that the level of infrastructure, carrying capacity of its network, technicians' capability of guarantee, and capability of operational service match its business scale. 商业银行应当定期对个人养老金业务管理系统开展技术评估,确保基础设施水平、网络承载能力、技术人员保障能力、运营服务能力与业务规模相匹配。
Article 11 A commercial bank shall establish and improve a private pension business management systems and operating rules and procedures, incorporate the risk management of the private pension business into the overall risk management system of the commercial bank, and ensure that business operations comply with laws, regulations, and relevant regulatory provisions.   第十一条 商业银行应当建立健全个人养老金业务管理制度和操作规程,将个人养老金业务风险管理纳入商业银行全面风险管理体系,确保业务经营符合法律法规及相关监管规定。
The department responsible for the private pension business and the internal audit, internal control management, and other functional departments of a commercial bank shall establish and effectively implement an internal supervisory inspection, tracking, and corrective action system for the private pension business according to the division of responsibilities. 商业银行负责个人养老金业务的部门以及内部审计、内控管理等职能部门应当根据职责分工,建立并有效实施个人养老金业务内部监督检查和跟踪整改制度。
Article 12 A commercial bank shall establish a system for managing records of the private pension business, and preserve personal information related to the business, contributions, withdrawal of pensions, and other account and transaction information, and the documents, records, and other materials related to the distribution of private pension products.   第十二条 商业银行应当建立个人养老金业务档案管理制度,按照规定保存业务相关的个人信息、缴费和养老金领取等账务交易信息,以及在个人养老金产品销售环节涉及的文件、记录等资料。
Article 13 A commercial bank shall, through open channels, publish basic information on the private pension business, handling requirements, business process, service content, consultation and complaint methods, customer service contact information, and other information, and provide private pension information inquiry, trading, handling, and other services.   第十三条 商业银行应当通过公开渠道,公布个人养老金业务基本情况、办理要求、业务流程、服务内容、咨询和投诉方式、客户服务联系方式等信息,并提供个人养老金信息查询、交易办理等服务。
Section 2 Private Pension Fund Accounts 

第二节 个人养老金资金账户

Article 14 A commercial bank shall provide the following fund account services:   第十四条 商业银行提供以下资金账户服务:
(1) Providing fund account opening or designation, closure, and modification services, a fund account being exempt from the number restriction on Class II accounts held by a participant. (一)提供资金账户开立或指定、注销、变更服务,资金账户不受参加人持有的Ⅱ类户数量限制;
(2) Providing private pension contribution and withdrawal services. (二)提供个人养老金缴费和领取服务;
(3) Permissively providing transfer services for participants to make contributions through another bank account, a non-banking payment institution, cash, and other channels (exempt from restrictions on fund transfers from non-linked accounts to Class II accounts), and providing participants and private pension product distributors, among others, with fund transfer services related to trading in private pension products (exempt from fund transfer amount restrictions on Class II accounts). (三)可以为参加人通过其他银行账户、非银行支付机构、现金等途径缴费提供划转服务(不受Ⅱ类户非绑定账户资金转入限制),为参加人、个人养老金产品销售机构等提供与个人养老金产品交易相关的资金划转服务(不受Ⅱ类户划转金额限制);
(4) Providing fund account information management services, and completely recording basic information on fund accounts, information on contributions, information on fund settlement, information on tax withholding, among others. (四)提供资金账户信息管理服务,完整记录资金账户基础信息、缴费信息、资金结算信息、扣缴税款信息等;
(5) Providing fund account information inquiry services. (五)提供资金账户信息查询服务;
(6) Other matters specified by the CBIRC. (六)银保监会规定的其他事项。
The upper limit of contributions to fund accounts shall be governed by the relevant provisions issued by the state, and a commercial bank shall not provide participants with services for making contributions exceeding the upper limit. 资金账户缴费上限按照国家有关规定执行,商业银行不得为参加人提供超过额度上限的缴费服务。
Article 15 A commercial bank shall exempt fund accounts from annual fees, account management fees, SMS fees, and fund transfer fees.   第十五条 商业银行对资金账户免收年费、账户管理费、短信费、转账手续费。
Article 16 Fund accounts shall be the only vehicle for concentration of contributions to the private pension and transfer of transaction funds. Unless otherwise provided, fund transfers involved in transactions related to private pension products shall be initiated from fund accounts and be back to fund accounts.   第十六条 个人养老金缴费归集、交易资金划转等,以资金账户为唯一载体。个人养老金产品相关交易行为涉及的资金往来,除另有规定外,应当从资金账户发起,并返回资金账户。
Article 17 A fund account may be opened or designated by a participant with a commercial bank that commences the private pension business, or designated by a participant via another private pension product distributor that complies with applicable provisions with a commercial bank that commences the private pension business, but may not be directly opened by a private pension product distributor with a commercial bank.   第十七条 资金账户可以由参加人在开办个人养老金业务的商业银行开立或指定,也可以由参加人通过其他符合规定的个人养老金产品销售机构,在开办个人养老金业务的商业银行指定,但不得由个人养老金产品销售机构直接在商业银行开立。
...... ......



Dear visitor,you are attempting to view a subscription-based section of lawinfochina.com. If you are already a subscriber, please login to enjoy access to our databases . If you are not a subscriber, please subscribe . Should you have any questions, please contact us at:
+86 (10) 8268-9699 or +86 (10) 8266-8266 (ext. 153)
Mobile: +86 133-1157-0713
Fax: +86 (10) 8266-8268
database@chinalawinfo.com


 


您好:您现在要进入的是北大法律英文网会员专区,如您是我们英文用户可直接 登录,进入会员专区查询您所需要的信息;如您还不是我们 的英文用户,请注册并交纳相应费用成为我们的英文会员 。如有问题请来电咨询;
Tel: +86 (10) 82689699, +86 (10) 82668266 ext. 153
Mobile: +86 13311570713
Fax: +86 (10) 82668268
E-mail: database@chinalawinfo.com


     
     
【法宝引证码】        北大法宝www.lawinfochina.com
Message: Please kindly comment on the present translation.
Confirmation Code:
Click image to reset code!
 
  Translations are by lawinfochina.com, and we retain exclusive copyright over content found on our website except for content we publish as authorized by respective copyright owners or content that is publicly available from government sources.

Due to differences in language, legal systems, and culture, English translations of Chinese law are for reference purposes only. Please use the official Chinese-language versions as the final authority. lawinfochina.com and its staff will not be directly or indirectly liable for use of materials found on this website.

We welcome your comments and suggestions, which assist us in continuing to improve the quality of our materials.
 
Home | Products and Services | FAQ | Disclaimer | Chinese | Site Map
©2012 Chinalawinfo Co., Ltd.    database@chinalawinfo.com  Tel: +86 (10) 8268-9699  京ICP证010230-8