Personal tax deferred commercial endowment insurance
Personal tax deferred commercial endowment insurance is also a kind of preferential tax policy, that is, the insured who buys commercial endowment insurance is allowed to pay the premium before tax, and then pay the tax after receiving the insurance premium. Encourage the insured to buy commercial endowment insurance by reducing the current tax burden of the insured.
Huang Hong, vice chairman of the China Insurance Regulatory Commission, made it clear to the Opinions on Accelerating the Development of Commercial Endowment Insurance: "From the economic point of view, the implementation of tax-deferred endowment insurance is usually carried out before and after a country's per capita GDP (gross domestic product) reaches the level of moderately developed countries. China's per capita GDP in 20 16 years has exceeded 8,000 US dollars, and residents have a certain ability to buy commercial old-age insurance.
From the perspective of legal system construction, all aspects of China's laws and regulations are being comprehensively promoted, and the laws and regulations related to insurance supervision are being continuously improved. The laws and regulations related to finance and taxation, including tax policy reform, are also being promoted simultaneously, providing a legal basis for implementing this policy. At present, the insurance industry has basically made preparations for the pilot tax extension pension insurance. "
As Huang Hong said, the insurance industry has made full preparations for tax-deferred pension insurance. The insurance companies on the pilot list have already got a certain understanding and exploration of tax-deferred old-age insurance, and have done long-term preliminary research and preparation in information system upgrading, business management, market scale, product research and development, etc. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Preparation of personal tax deferred commercial endowment insurance
It has been prepared for a long time for personal tax deferred commercial endowment insurance. In 2007, the tax deferred pension insurance project was included in the key research project of Shanghai municipal government that year. By the end of 20 17, the State Council proposed to start the personal tax deferred commercial endowment insurance pilot before the end of 20 17.
During the period of 10, the insurance industry deepened the profound interpretation of tax deferred commercial endowment insurance from the aspects of technology, talents and services, and enhanced its advantages. Reduce costs and improve service quality through internet means; Improve actuarial technical capabilities and further integrate with technologies such as big data analysis; Introduce and cultivate relevant talents and strengthen service level; Expand the scope of protection and provide all-round old-age security including pension, nursing, medical care and rehabilitation for property buyers.
Personal tax deferred commercial old-age insurance promotes the development of old-age security
The introduction and pilot of individual tax deferred pension insurance is a beneficial measure for individuals and society. From a personal point of view, the purchase of personal tax deferred commercial endowment insurance can reduce the tax burden and establish and improve the personal pension security plan. From the social point of view, personal tax deferred commercial endowment insurance is a long-term investment asset, which helps to establish a social security system and stimulate domestic demand.
The introduction of personal tax deferred commercial old-age insurance will promote the rapid development of the third pillar of old-age security from the national tax policy, which is also the same path for the development of old-age security system in the international community.