官宣啦!北京启动个人养老金制度

2022-11-30 15:07:05 来源:北京FASCO 阅读 176
<p style="margin: 0cm; margin-bottom: .0001pt; text-align: justify; text-justify: inter-ideograph; mso-pagination: widow-orphan; background: white;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><strong><span style="color: #222222; letter-spacing: 0.4pt; background: white; font-weight: normal;">定啦<span lang="EN-US">~</span></span></strong></span></p> <p style="margin: 0cm; margin-bottom: .0001pt; text-align: justify; text-justify: inter-ideograph; mso-pagination: widow-orphan; background: white;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><strong><span style="color: #222222; letter-spacing: 0.4pt; background: white; font-weight: normal;">个人养老金制度启动实施</span></strong></span></p> <p style="margin: 0cm; margin-bottom: .0001pt; text-align: justify; text-justify: inter-ideograph; mso-pagination: widow-orphan; background: white;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><strong><span style="color: #222222; letter-spacing: 0.4pt; background: white; font-weight: normal;">北京作为先行城市</span></strong></span></p> <p style="margin: 0cm; margin-bottom: .0001pt; text-align: justify; text-justify: inter-ideograph; mso-pagination: widow-orphan; background: white;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><strong><span style="color: #222222; letter-spacing: 0.4pt; background: white; font-weight: normal;">正式开放个人养老金购买通道</span></strong></span></p> <p style="margin: 0cm; margin-bottom: .0001pt; text-align: justify; text-justify: inter-ideograph; mso-pagination: widow-orphan; background: white;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><strong><span style="color: #222222; letter-spacing: 0.4pt; background: white; font-weight: normal;">话不多说 跟着小<span lang="EN-US">FA</span>往下看<span lang="EN-US">~</span></span></strong></span></p> <p style="margin: 0cm; margin-bottom: .0001pt; text-align: justify; text-justify: inter-ideograph; mso-pagination: widow-orphan; background: white;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><strong><span lang="EN-US" style="color: #222222; letter-spacing: 0.4pt; background: white; font-weight: normal;"> </span></strong></span></p> <p style="margin: 0cm; margin-bottom: .0001pt; text-align: justify; text-justify: inter-ideograph; mso-pagination: widow-orphan; background: white;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><strong><span lang="EN-US" style="color: #222222; letter-spacing: 0.4pt; background: white;">11</span></strong><strong><span style="color: #222222; letter-spacing: 0.4pt; background: white;">月<span lang="EN-US">25</span>日,人力资源社会保障部宣布,个人养老金制度启动实施。</span></strong><span style="color: #222222; letter-spacing: 0.4pt; background: white;">在北京、上海、广州、西安、成都等<span lang="EN-US">36</span>个先行城市或地区,可通过国家社会保险公共服务平台、全国人社政务服务平台、电子社保卡、“掌上<span lang="EN-US">12333APP</span>”等全国统一线上服务入口或商业银行等渠道建立个人养老金账户,通过商业银行开立个人养老金资金账户。两个账户开立后,就可向资金账户缴费、购买个人养老金产品,年缴纳上限<span lang="EN-US">12000</span>元,缴费即可享受税费优惠。可购买包括储蓄存款、理财产品、商业养老保险和公募基金等,具体金融产品由金融监管部门确定,并将公布产品名单。</span></span></p> <p class="MsoNormal"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><strong><span lang="EN-US"> </span></strong></span></p> <p class="MsoNormal"><span style="font-size: 12pt;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif;"><strong>个人养老金不同于基本养老保险,是政府支持、个人自愿参加、市场化运营的补充养老保险制度。</strong>参加人达到领取基本养老金年龄,或者完全丧失劳动能力、出国(境)定居以及符合国家规定的其他情形,才能领取个人养老金。<strong>参加人死亡后,其</strong><strong><span style="color: red;">个人养老金资金账户中的资产可以继承</span></strong></span><span style="background-color: white; color: #222222; font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; letter-spacing: 0.4pt;">。</span></span></p> <p class="MsoNormal"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><strong><span lang="EN-US"> </span></strong></span></p> <p class="MsoNormal"><span style="font-size: 14pt;"><strong><span style="font-family: 仿宋; color: red;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif;">可享个税抵扣</span></span></strong></span></p> <p class="MsoNormal"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><strong><span lang="EN-US"> </span></strong></span></p> <p class="MsoNormal"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><strong>时间节点</strong></span></p> <p class="MsoNormal"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><strong><span style="font-weight: normal;">政策自<span lang="EN-US">2022</span>年<span lang="EN-US">1</span>月<span lang="EN-US">1</span>日起执行,符合条件的纳税人从<span lang="EN-US">11</span>月<span lang="EN-US">25</span>日开始可通过手机个人所得税<span lang="EN-US">APP</span>填报个人养老金税前扣除。</span></strong></span></p> <p class="MsoNormal"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><strong><span lang="EN-US"> </span></strong></span></p> <p class="MsoNormal"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><strong>适用群体</strong></span></p> <p class="MsoNormal"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;">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,参加个人养老金制度的群体</span></p> <p class="MsoNormal"> </p> <p class="MsoNormal"><span style="font-size: 12pt;"><strong><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif;">一表轻松解锁个人养老金税前扣除</span></strong></span></p> <p><span style="font-size: 12pt;"><img src="http://10.201.0.12:8081/images/20221130150123182304.jpg" alt="" width="500" height="344" /></span></p> <p style="margin: 0cm; margin-bottom: .0001pt; text-align: center; mso-pagination: widow-orphan;" align="center"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 14pt;"><strong><span lang="EN-US">APP</span></strong><strong>操作指南</strong></span></p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 12pt; font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif;"> </span></p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"><span style="font-size: 12pt; font-family: 仿宋;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif;">纳税人登陆手机个人所得税<span lang="EN-US">APP</span>后,可通过<strong><span lang="EN-US">“</span>首页<span lang="EN-US">——</span>我要办税<span lang="EN-US">——</span>扣除填报<span lang="EN-US">——</span>个人养老金扣除信息管理<span lang="EN-US">”</span></strong></span></span></p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"> </p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"><span style="font-size: 12pt; font-family: 仿宋;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif;"><strong><span lang="EN-US"><img src="http://10.201.0.12:8081/images/20221130150502890023.png" alt="" width="500" height="504" /></span></strong></span></span></p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"> </p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"><span style="font-size: 12pt;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif;"><strong>在<span lang="EN-US">“</span>个人养老金扣除信息管理<span lang="EN-US">”</span>界面,纳税人可以<span lang="EN-US">“</span>扫码录入<span lang="EN-US">”</span>并<span lang="EN-US">“</span>查看我的扣除信息<span lang="EN-US">”</span>。</strong></span><span style="font-family: 仿宋;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif;">建议授权开启个人养老金信息管理服务平台,扫码录入时<span lang="EN-US">APP</span>将直接获取您的个人养老金数据。</span></span></span></p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"> </p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"><span style="font-size: 12pt; font-family: 仿宋;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif;"><img src="http://10.201.0.12:8081/images/20221130150314578844.png" alt="" width="268" height="432" /></span></span></p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"> </p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><span lang="EN-US" style="color: #187fc4;">*</span><span style="color: #187fc4;">注:只有验证成功的个人养老金缴费凭证才能享受税前扣除。</span></span></p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 12pt; font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif;"> </span></p> <p style="margin: 0cm; margin-bottom: .0001pt; text-align: center; mso-pagination: widow-orphan;" align="center"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif; font-size: 12pt;"><strong>特别提示</strong></span></p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 12pt; font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif;"> </span></p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"><span style="font-size: 12pt; font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif;">政策自<span lang="EN-US">2022</span>年<span lang="EN-US">1</span>月<span lang="EN-US">1</span>日起施行,<strong>对于此前月份员工存在符合条件,且已填报了个人养老金扣除,但没有享受扣除的部分,</strong>可在本年度内剩余月份发放工资薪金或按累计预扣法预扣预缴个人所得税劳务报酬时补充扣除,也可选择在自行办理<span lang="EN-US">2022</span>年度汇算清缴时补充扣除。</span></p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 12pt; font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif;"> </span></p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"> </p> <p style="margin: 0cm; margin-bottom: .0001pt; mso-pagination: widow-orphan;"><span style="font-size: 12pt;"><span style="font-family: 'Microsoft YaHei', 'Helvetica Neue', 'PingFang SC', sans-serif;"><span style="color: #333333; background: white;">如您想了解更多政策相关信息,请点击文末“</span><span lang="EN-US" style="background: white;"><a href="http://www.mohrss.gov.cn/xxgk2020/fdzdgknr/zcfg/gfxwj/shbx/202211/t20221104_489354.html?keywords="><strong><span lang="EN-US" style="color: #3598db; text-decoration-line: none;">阅读原文</span></strong></a></span><span style="color: #333333; background: white;">”查看。</span></span></span></p> <p> </p>

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