个人养老金怎么参加？何时领取？权威解答来了
<section style="height:0;opacity:0;margin:0;" data-mpa-powered-by="yiban.io">·</section><p></p><section style="height: 0;opacity: 0;margin: 0;">·</section><section data-copyright="135编辑器"><section data-role="paragraph"><section powered-by="xiumi.us"><section style="margin-bottom: 8px;"><span style="text-align: center;"></span><span style="font-size: 16px;background-color: rgb(255, 255, 255);color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;"></span></section><section style="outline: 0px;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);visibility: visible;"><section powered-by="xiumi.us" style="outline: 0px;visibility: visible;"><section powered-by="xiumi.us" style="outline: 0px;visibility: visible;"><section style="outline: 0px;visibility: visible;"><section powered-by="xiumi.us" style="outline: 0px;visibility: visible;"><section powered-by="xiumi.us" style="outline: 0px;visibility: visible;"><section data-role="outer" label="edit by 135editor" style="outline: 0px;visibility: visible;"><section style="outline: 0px;font-size: 16px;visibility: visible;"><section style="margin-top: 20px;margin-bottom: 20px;outline: 0px;visibility: visible;"><section style="padding-right: 10px;padding-left: 10px;outline: 0px;line-height: 1.8;visibility: visible;"><section style="line-height: 1.6em;text-align: center;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">近日</span></section><section style="line-height: 1.6em;text-align: center;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">《个人养老金实施办法》正式印发</span></section><section style="line-height: 1.6em;text-align: center;"><strong><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;color: rgb(61, 170, 214);">个人养老金是什么？</span></strong></section><section style="line-height: 1.6em;text-align: center;"><strong><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;color: rgb(61, 170, 214);">怎么缴纳？</span></strong></section><section style="line-height: 1.6em;text-align: center;"><strong><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;color: rgb(61, 170, 214);">资金怎么使用？</span></strong></section><section style="line-height: 1.6em;text-align: center;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">小布带你</span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;letter-spacing: 0.544px;"></span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;letter-spacing: 0.544px;">快</span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;letter-spacing: 0.544px;">速了解！</span></section></section></section><section style="margin-top: 10px;margin-bottom: 40px;outline: 0px;text-align: center;visibility: visible;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;width: 135.391px;height: auto;visibility: visible;"></section></section><section style="margin-top: 10px;margin-bottom: 10px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;visibility: visible;"><section style="outline: 0px;display: inline-block;width: auto;vertical-align: top;min-width: 10%;flex: 0 0 auto;height: auto;line-height: 1;align-self: flex-start;visibility: visible;"><section style="outline: 0px;transform: translate3d(1px, 0px, 0px);visibility: visible;"><section style="padding-right: 7px;padding-left: 7px;outline: 0px;font-size: 39px;color: rgb(231, 35, 18);line-height: 1;letter-spacing: 0px;text-align: justify;visibility: visible;"><p style="outline: 0px;text-align: center;visibility: visible;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 36px;"><em style="outline: 0px;visibility: visible;"><strong style="outline: 0px;visibility: visible;">01</strong></em></span></p></section></section><section style="margin-top: -17px;outline: 0px;text-align: left;visibility: visible;"><section style="outline: 0px;display: inline-block;width: 67.6875px;height: 22px;vertical-align: top;overflow: hidden;background-color: rgb(255, 238, 238);visibility: visible;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);visibility: visible;"><section style="outline: 0px;display: inline-block;width: 13px;height: 13px;vertical-align: top;overflow: hidden;background-image: linear-gradient(to right bottom, rgb(255, 238, 237) 50%, rgba(255, 238, 237, 0) 50%);visibility: visible;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section></section><section style="margin-top: 10px;outline: 0px;isolation: isolate;display: flex;flex-flow: row nowrap;text-align: left;justify-content: flex-start;visibility: visible;"><section style="padding: 9px 15px;outline: 0px;display: inline-block;vertical-align: top;width: auto;background-color: rgb(3, 80, 127);min-width: 10%;flex: 0 0 auto;height: auto;align-self: stretch;visibility: visible;"><section style="outline: 0px;color: rgb(255, 255, 255);text-align: justify;font-size: 17px;visibility: visible;"><p style="outline: 0px;visibility: visible;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;visibility: visible;">问</strong></span></p></section></section><section style="padding: 4px 4px 4px 12px;outline: 0px;display: inline-block;width: auto;vertical-align: top;background-color: rgb(241, 241, 241);flex: 100 100 0%;height: auto;align-self: stretch;visibility: visible;"><section style="margin-top: 5px;outline: 0px;visibility: visible;"><section style="outline: 0px;color: rgb(3, 80, 127);text-align: justify;font-size: 18px;visibility: visible;"><p style="outline: 0px;visibility: visible;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;visibility: visible;">个人养老金是什么？</strong></span></p></section></section></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);visibility: visible;"><section style="outline: 0px;display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 4px;border-color: rgb(3, 80, 127) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(3, 80, 127);visibility: visible;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section><section style="margin-bottom: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;visibility: visible;"><section style="outline: 0px;display: inline-block;width: 677px;vertical-align: top;border-style: solid;border-width: 1px;border-color: rgb(3, 80, 127);align-self: flex-start;flex: 0 0 auto;visibility: visible;"><section style="outline: 0px;display: flex;flex-flow: row nowrap;text-align: center;justify-content: center;visibility: visible;"><section style="padding: 15px;outline: 0px;display: inline-block;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;vertical-align: top;align-self: flex-start;background-color: rgb(241, 241, 241);visibility: visible;"><section style="outline: 0px;visibility: visible;"><section style="outline: 0px;color: rgb(3, 80, 127);font-size: 18px;visibility: visible;"><p style="outline: 0px;visibility: visible;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;visibility: visible;">答</strong></span></p></section></section></section><p style="text-align: left;"></p><section style="padding: 20px 30px 20px 16px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;align-self: flex-start;height: auto;visibility: visible;"><section style="outline: 0px;text-align: justify;line-height: 1.8;visibility: visible;"><p style="outline: 0px;visibility: visible;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">个人养老金是指</span><span style="outline: 0px;visibility: visible;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;color: rgb(61, 170, 214);"><strong style="outline: 0px;visibility: visible;">政府政策支持、个人自愿参加、市场化运营、实现养老保险补充功能</strong></span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">的制度。</span></p><p style="outline: 0px;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></p><p style="outline: 0px;visibility: visible;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">个人养老金实行</span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;color: rgb(61, 170, 214);"><span style="font-size: 17px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;outline: 0px;visibility: visible;"><strong style="outline: 0px;visibility: visible;">个人账户制</strong></span>，<span style="font-size: 17px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;outline: 0px;visibility: visible;"><strong style="outline: 0px;visibility: visible;">缴费完全由参加人个人承担</strong></span>，</span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">自主选择购买符合规定的储蓄存款、理财产品、商业养老保险、公募基金等金融产品（以下统称个人养老金产品），实行完全积累，按照国家有关规定享受税收优惠政策。</span></p></section></section><p></p></section></section></section><section style="margin-top: 50px;margin-bottom: 10px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;visibility: visible;"><section style="outline: 0px;display: inline-block;width: auto;vertical-align: top;min-width: 10%;flex: 0 0 auto;height: auto;line-height: 1;align-self: flex-start;visibility: visible;"><section style="outline: 0px;transform: translate3d(1px, 0px, 0px);visibility: visible;"><section style="padding-right: 7px;padding-left: 7px;outline: 0px;font-size: 39px;color: rgb(231, 35, 18);line-height: 1;letter-spacing: 0px;text-align: justify;visibility: visible;"><p style="outline: 0px;text-align: center;visibility: visible;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 36px;"><em style="outline: 0px;visibility: visible;"><strong style="outline: 0px;visibility: visible;">02</strong></em></span></p></section></section><section style="margin-top: -17px;outline: 0px;text-align: left;visibility: visible;"><section style="outline: 0px;display: inline-block;width: 67.6875px;height: 22px;vertical-align: top;overflow: hidden;background-color: rgb(255, 238, 238);visibility: visible;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);visibility: visible;"><section style="outline: 0px;display: inline-block;width: 13px;height: 13px;vertical-align: top;overflow: hidden;background-image: linear-gradient(to right bottom, rgb(255, 238, 237) 50%, rgba(255, 238, 237, 0) 50%);visibility: visible;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section></section><section style="margin-top: 10px;outline: 0px;isolation: isolate;display: flex;flex-flow: row nowrap;text-align: left;justify-content: flex-start;"><section style="padding: 9px 15px;outline: 0px;display: inline-block;vertical-align: top;width: auto;background-color: rgb(3, 80, 127);min-width: 10%;flex: 0 0 auto;height: auto;align-self: stretch;"><section style="outline: 0px;color: rgb(255, 255, 255);text-align: justify;font-size: 17px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">问</strong></span></p></section></section><section style="padding: 4px 4px 4px 12px;outline: 0px;display: inline-block;vertical-align: top;width: auto;background-color: rgb(241, 241, 241);flex: 100 100 0%;height: auto;align-self: stretch;"><section style="margin-top: 5px;outline: 0px;"><section style="outline: 0px;color: rgb(3, 80, 127);text-align: justify;font-size: 18px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">哪些人可以参加个人养老金？</strong></span></p></section></section></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);"><section style="outline: 0px;display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 4px;border-color: rgb(3, 80, 127) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(3, 80, 127);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section><section style="margin-bottom: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;width: 677px;vertical-align: top;border-style: solid;border-width: 1px;border-color: rgb(3, 80, 127);align-self: flex-start;flex: 0 0 auto;"><section style="outline: 0px;display: flex;flex-flow: row nowrap;text-align: center;justify-content: center;"><section style="padding: 15px;outline: 0px;display: inline-block;vertical-align: top;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;background-color: rgb(241, 241, 241);"><section style="outline: 0px;"><section style="outline: 0px;color: rgb(3, 80, 127);font-size: 18px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">答</strong></span></p></section></section></section><section style="padding: 20px 30px 20px 16px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;align-self: flex-start;height: auto;"><section style="outline: 0px;text-align: justify;line-height: 1.8;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">个人养老金的参加人应当是</span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;color: rgb(61, 170, 214);"><span style="font-size: 17px;color: rgb(61, 170, 214);font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;outline: 0px;"><strong style="outline: 0px;">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</strong></span>。</span></p></section></section></section></section></section><section style="margin-top: 50px;margin-bottom: 10px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;width: auto;vertical-align: top;min-width: 10%;flex: 0 0 auto;height: auto;line-height: 1;align-self: flex-start;"><section style="outline: 0px;transform: translate3d(1px, 0px, 0px);"><section style="padding-right: 7px;padding-left: 7px;outline: 0px;font-size: 39px;color: rgb(231, 35, 18);line-height: 1;letter-spacing: 0px;text-align: justify;"><p style="outline: 0px;text-align: center;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 36px;"><em style="outline: 0px;"><strong style="outline: 0px;">03</strong></em></span></p></section></section><section style="margin-top: -17px;outline: 0px;text-align: left;"><section style="outline: 0px;display: inline-block;width: 67.6875px;height: 22px;vertical-align: top;overflow: hidden;background-color: rgb(255, 238, 238);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);"><section style="outline: 0px;display: inline-block;width: 13px;height: 13px;vertical-align: top;overflow: hidden;background-image: linear-gradient(to right bottom, rgb(255, 238, 237) 50%, rgba(255, 238, 237, 0) 50%);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section></section><section style="margin-top: 10px;outline: 0px;isolation: isolate;display: flex;flex-flow: row nowrap;text-align: left;justify-content: flex-start;"><section style="padding: 9px 15px;outline: 0px;display: inline-block;vertical-align: top;width: auto;background-color: rgb(3, 80, 127);min-width: 10%;flex: 0 0 auto;height: auto;align-self: stretch;"><section style="outline: 0px;color: rgb(255, 255, 255);text-align: justify;font-size: 17px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">问</strong></span></p></section></section><section style="padding: 4px 4px 4px 12px;outline: 0px;display: inline-block;vertical-align: top;width: auto;background-color: rgb(241, 241, 241);flex: 100 100 0%;height: auto;align-self: stretch;"><section style="margin-top: 5px;outline: 0px;"><section style="outline: 0px;color: rgb(3, 80, 127);text-align: justify;font-size: 18px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">如何参加个人养老金？</strong></span></p></section></section></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);"><section style="outline: 0px;display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 4px;border-color: rgb(3, 80, 127) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(3, 80, 127);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section><section style="margin-bottom: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;width: 677px;vertical-align: top;border-style: solid;border-width: 1px;border-color: rgb(3, 80, 127);align-self: flex-start;flex: 0 0 auto;"><section style="outline: 0px;display: flex;flex-flow: row nowrap;text-align: center;justify-content: center;"><section style="padding: 15px;outline: 0px;display: inline-block;vertical-align: top;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;background-color: rgb(241, 241, 241);"><section style="outline: 0px;"><section style="outline: 0px;color: rgb(3, 80, 127);font-size: 18px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">答</strong></span></p></section></section></section><section style="padding: 20px 30px 20px 16px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;align-self: flex-start;height: auto;"><section style="outline: 0px;text-align: justify;line-height: 1.8;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">参加人参加个人养老金，应当通过国家社会保险公共服务平台、全国人力资源和社会保障政务服务平台、电子社保卡、掌上12333APP等全国统一线上服务入口或者商业银行渠道，</span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;color: rgb(61, 170, 214);"><span style="font-size: 17px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;outline: 0px;"><strong style="outline: 0px;">在信息平台开立<span style="font-size: 17px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;outline: 0px;">个人养老金账户</span></strong></span>。</span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">个人养老金账户用于登记和管理个人身份信息，并与基本养老保险关系关联，记录个人养老金缴费、投资、领取、抵扣和缴纳个人所得税等信息，是参加人参加个人养老金、享受税收优惠政策的基础。</span></p><p style="outline: 0px;"><br style="outline: 0px;"/></p><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">之后，</span><span style="outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;color: rgb(61, 170, 214);"><strong style="outline: 0px;">选择一家符合规定的商业银行开立或者指定本人唯一的个人养老金资金账户</strong></span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">（也可以通过其他符合规定的个人养老金产品销售机构指定）。个人养老金资金账户作为特殊专用资金账户，与个人养老金账户绑定，为参加人提供资金缴存、缴费额度登记、个人养老金产品投资、个人养老金支付、个人所得税税款支付、资金与相关权益信息查询等服务。</span></p></section></section></section></section></section><section style="margin-top: 50px;margin-bottom: 10px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;width: auto;vertical-align: top;min-width: 10%;flex: 0 0 auto;height: auto;line-height: 1;align-self: flex-start;"><section style="outline: 0px;transform: translate3d(1px, 0px, 0px);"><section style="padding-right: 7px;padding-left: 7px;outline: 0px;font-size: 39px;color: rgb(231, 35, 18);line-height: 1;letter-spacing: 0px;text-align: justify;"><p style="outline: 0px;text-align: center;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 36px;"><em style="outline: 0px;"><strong style="outline: 0px;">04</strong></em></span></p></section></section><section style="margin-top: -17px;outline: 0px;text-align: left;"><section style="outline: 0px;display: inline-block;width: 67.6875px;height: 22px;vertical-align: top;overflow: hidden;background-color: rgb(255, 238, 238);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);"><section style="outline: 0px;display: inline-block;width: 13px;height: 13px;vertical-align: top;overflow: hidden;background-image: linear-gradient(to right bottom, rgb(255, 238, 237) 50%, rgba(255, 238, 237, 0) 50%);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section></section><section style="margin-top: 10px;outline: 0px;isolation: isolate;display: flex;flex-flow: row nowrap;text-align: left;justify-content: flex-start;"><section style="padding: 9px 15px;outline: 0px;display: inline-block;vertical-align: top;width: auto;background-color: rgb(3, 80, 127);min-width: 10%;flex: 0 0 auto;height: auto;align-self: stretch;"><section style="outline: 0px;color: rgb(255, 255, 255);text-align: justify;font-size: 17px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">问</strong></span></p></section></section><section style="padding: 4px 4px 4px 12px;outline: 0px;display: inline-block;vertical-align: top;width: auto;background-color: rgb(241, 241, 241);flex: 100 100 0%;height: auto;align-self: stretch;"><section style="margin-top: 5px;outline: 0px;"><section style="outline: 0px;color: rgb(3, 80, 127);text-align: justify;font-size: 18px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">如何缴费？</strong></span></p></section></section></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);"><section style="outline: 0px;display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 4px;border-color: rgb(3, 80, 127) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(3, 80, 127);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section><section style="margin-bottom: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;width: 677px;vertical-align: top;border-style: solid;border-width: 1px;border-color: rgb(3, 80, 127);align-self: flex-start;flex: 0 0 auto;"><section style="outline: 0px;display: flex;flex-flow: row nowrap;text-align: center;justify-content: center;"><section style="padding: 15px;outline: 0px;display: inline-block;vertical-align: top;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;background-color: rgb(241, 241, 241);"><section style="outline: 0px;"><section style="outline: 0px;color: rgb(3, 80, 127);font-size: 17px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">答</strong></span></p></section></section></section><section style="padding: 20px 30px 20px 16px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;align-self: flex-start;height: auto;"><section style="outline: 0px;text-align: justify;line-height: 1.8;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">参加人</span><span style="outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;color: rgb(61, 170, 214);"><strong style="outline: 0px;">每年缴纳个人养老金额度上限为12000元</strong></span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;color: rgb(61, 170, 214);">，</span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">参加人每年缴费不得超过该缴费额度上限。人力资源社会保障部、财政部根据经济社会发展水平、多层次养老保险体系发展情况等因素适时调整缴费额度上限。</span></p><p style="outline: 0px;"><br style="outline: 0px;"/></p><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">参加人可以</span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;color: rgb(61, 170, 214);"><span style="font-size: 17px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;outline: 0px;"><strong style="outline: 0px;">按月、分次或者按年度缴费</strong></span>，</span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">缴费额度按自然年度累计，次年重新计算。</span></p></section></section></section></section></section><section style="margin-top: 50px;margin-bottom: 10px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;width: auto;vertical-align: top;min-width: 10%;flex: 0 0 auto;height: auto;line-height: 1;align-self: flex-start;"><section style="outline: 0px;transform: translate3d(1px, 0px, 0px);"><section style="padding-right: 7px;padding-left: 7px;outline: 0px;font-size: 39px;color: rgb(231, 35, 18);line-height: 1;letter-spacing: 0px;text-align: justify;"><p style="outline: 0px;text-align: center;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 36px;"><em style="outline: 0px;"><strong style="outline: 0px;">05</strong></em></span></p></section></section><section style="margin-top: -17px;outline: 0px;text-align: left;"><section style="outline: 0px;display: inline-block;width: 67.6875px;height: 22px;vertical-align: top;overflow: hidden;background-color: rgb(255, 238, 238);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);"><section style="outline: 0px;display: inline-block;width: 13px;height: 13px;vertical-align: top;overflow: hidden;background-image: linear-gradient(to right bottom, rgb(255, 238, 237) 50%, rgba(255, 238, 237, 0) 50%);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section></section><section style="margin-top: 10px;outline: 0px;isolation: isolate;display: flex;flex-flow: row nowrap;text-align: left;justify-content: flex-start;"><section style="padding: 9px 15px;outline: 0px;display: inline-block;vertical-align: top;width: auto;background-color: rgb(3, 80, 127);min-width: 10%;flex: 0 0 auto;height: auto;align-self: stretch;"><section style="outline: 0px;color: rgb(255, 255, 255);text-align: justify;font-size: 17px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">问</strong></span></p></section></section><section style="padding: 4px 4px 4px 12px;outline: 0px;display: inline-block;vertical-align: top;width: auto;background-color: rgb(241, 241, 241);flex: 100 100 0%;height: auto;align-self: stretch;"><section style="margin-top: 5px;outline: 0px;"><section style="outline: 0px;color: rgb(3, 80, 127);text-align: justify;font-size: 18px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">资金怎么使用，与存款有何区别？</strong></span></p></section></section></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);"><section style="outline: 0px;display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 4px;border-color: rgb(3, 80, 127) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(3, 80, 127);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section><section style="margin-bottom: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;width: 677px;vertical-align: top;border-style: solid;border-width: 1px;border-color: rgb(3, 80, 127);align-self: flex-start;flex: 0 0 auto;"><section style="outline: 0px;display: flex;flex-flow: row nowrap;text-align: center;justify-content: center;"><section style="padding: 15px;outline: 0px;display: inline-block;vertical-align: top;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;background-color: rgb(241, 241, 241);"><section style="outline: 0px;"><section style="outline: 0px;color: rgb(3, 80, 127);font-size: 17px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">答</strong></span></p></section></section></section><section style="padding: 20px 30px 20px 16px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;align-self: flex-start;height: auto;"><section style="outline: 0px;text-align: justify;line-height: 1.8;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">个人养老金资金账户里的资金，可以</span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;color: rgb(61, 170, 214);"><span style="font-size: 17px;color: rgb(61, 170, 214);font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;outline: 0px;"><strong style="outline: 0px;">自主选择购买符合规定的储蓄存款、理财产品、商业养老保险、公募基金等个人养老金产品</strong></span>。</span></p><p style="outline: 0px;"><br style="outline: 0px;"/></p><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">参加人自主决定个人养老金资金账户资金购买个人养老金产品的品种和金额。个人养老金产品销售机构要以“销售适当性”为原则，做好风险提示，不得主动向参加人推介超出其风险承受能力的个人养老金产品。</span></p><p style="outline: 0px;"><br style="outline: 0px;"/></p><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">银行的储蓄存款是个人养老金产品的一个种类。与一般金融产品相比，个人养老金产品具备运作安全、成熟稳定、标的规范、侧重长期保值四个属性，从而更好保障退休人员的生活。</span></p></section></section></section></section></section><section style="margin-top: 50px;margin-bottom: 10px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;width: auto;vertical-align: top;min-width: 10%;flex: 0 0 auto;height: auto;line-height: 1;align-self: flex-start;"><section style="outline: 0px;transform: translate3d(1px, 0px, 0px);"><section style="padding-right: 7px;padding-left: 7px;outline: 0px;font-size: 39px;color: rgb(231, 35, 18);line-height: 1;letter-spacing: 0px;text-align: justify;"><p style="outline: 0px;text-align: center;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 36px;"><em style="outline: 0px;"><strong style="outline: 0px;">06</strong></em></span></p></section></section><section style="margin-top: -17px;outline: 0px;text-align: left;"><section style="outline: 0px;display: inline-block;width: 67.6875px;height: 22px;vertical-align: top;overflow: hidden;background-color: rgb(255, 238, 238);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);"><section style="outline: 0px;display: inline-block;width: 13px;height: 13px;vertical-align: top;overflow: hidden;background-image: linear-gradient(to right bottom, rgb(255, 238, 237) 50%, rgba(255, 238, 237, 0) 50%);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section></section><section style="margin-top: 10px;outline: 0px;isolation: isolate;display: flex;flex-flow: row nowrap;text-align: left;justify-content: flex-start;"><section style="padding: 9px 15px;outline: 0px;display: inline-block;vertical-align: top;width: auto;background-color: rgb(3, 80, 127);min-width: 10%;flex: 0 0 auto;height: auto;align-self: stretch;"><section style="outline: 0px;color: rgb(255, 255, 255);text-align: justify;font-size: 17px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">问</strong></span></p></section></section><section style="padding: 4px 4px 4px 12px;outline: 0px;display: inline-block;vertical-align: top;width: auto;background-color: rgb(241, 241, 241);flex: 100 100 0%;height: auto;align-self: stretch;"><section style="margin-top: 5px;outline: 0px;"><section style="outline: 0px;color: rgb(3, 80, 127);text-align: justify;font-size: 18px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">如何享受税收优惠？</strong></span></p></section></section></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);"><section style="outline: 0px;display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 4px;border-color: rgb(3, 80, 127) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(3, 80, 127);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section><section style="margin-bottom: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;width: 677px;vertical-align: top;border-style: solid;border-width: 1px;border-color: rgb(3, 80, 127);align-self: flex-start;flex: 0 0 auto;"><section style="outline: 0px;display: flex;flex-flow: row nowrap;text-align: center;justify-content: center;"><section style="padding: 15px;outline: 0px;display: inline-block;vertical-align: top;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;background-color: rgb(241, 241, 241);"><section style="outline: 0px;"><section style="outline: 0px;color: rgb(3, 80, 127);font-size: 17px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">答</strong></span></p></section></section></section><section style="padding: 20px 30px 20px 16px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;align-self: flex-start;height: auto;"><section style="outline: 0px;text-align: justify;line-height: 1.8;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">财政部、税务总局日前发布的《关于个人养老金有关个人所得税政策的公告》明确，自今年1月1日起，对个人养老金实施递延纳税优惠政策。</span></p><p style="outline: 0px;"><br style="outline: 0px;"/></p><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">个人向个人养老金资金账户的缴费，按照12000元/年的限额标准，在综合所得或经营所得中据实扣除；计入个人养老金资金账户的投资收益暂不征收个人所得税；个人领取的个人养老金，不并入综合所得，单独按照3%的税率计算缴纳个人所得税。</span></p></section></section></section></section></section><section style="margin-top: 50px;margin-bottom: 10px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;width: auto;vertical-align: top;min-width: 10%;flex: 0 0 auto;height: auto;line-height: 1;align-self: flex-start;"><section style="outline: 0px;transform: translate3d(1px, 0px, 0px);"><section style="padding-right: 7px;padding-left: 7px;outline: 0px;font-size: 39px;color: rgb(231, 35, 18);line-height: 1;letter-spacing: 0px;text-align: justify;"><p style="outline: 0px;text-align: center;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 36px;"><em style="outline: 0px;"><strong style="outline: 0px;">07</strong></em></span></p></section></section><section style="margin-top: -17px;outline: 0px;text-align: left;"><section style="outline: 0px;display: inline-block;width: 67.6875px;height: 22px;vertical-align: top;overflow: hidden;background-color: rgb(255, 238, 238);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);"><section style="outline: 0px;display: inline-block;width: 13px;height: 13px;vertical-align: top;overflow: hidden;background-image: linear-gradient(to right bottom, rgb(255, 238, 237) 50%, rgba(255, 238, 237, 0) 50%);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section></section><section style="margin-top: 10px;outline: 0px;isolation: isolate;display: flex;flex-flow: row nowrap;text-align: left;justify-content: flex-start;"><section style="padding: 9px 15px;outline: 0px;display: inline-block;vertical-align: top;width: auto;background-color: rgb(3, 80, 127);min-width: 10%;flex: 0 0 auto;height: auto;align-self: stretch;"><section style="outline: 0px;color: rgb(255, 255, 255);text-align: justify;font-size: 17px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">问</strong></span></p></section></section><section style="padding: 4px 4px 4px 12px;outline: 0px;display: inline-block;vertical-align: top;width: auto;background-color: rgb(241, 241, 241);flex: 100 100 0%;height: auto;align-self: stretch;"><section style="margin-top: 5px;outline: 0px;"><section style="outline: 0px;color: rgb(3, 80, 127);text-align: justify;font-size: 18px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">个人养老金如何领取？</strong></span></p></section></section></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);"><section style="outline: 0px;display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 4px;border-color: rgb(3, 80, 127) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(3, 80, 127);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section><section style="margin-bottom: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;width: 677px;vertical-align: top;border-style: solid;border-width: 1px;border-color: rgb(3, 80, 127);align-self: flex-start;flex: 0 0 auto;"><section style="outline: 0px;display: flex;flex-flow: row nowrap;text-align: center;justify-content: center;"><section style="padding: 15px;outline: 0px;display: inline-block;vertical-align: top;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;background-color: rgb(241, 241, 241);"><section style="outline: 0px;"><section style="outline: 0px;color: rgb(3, 80, 127);font-size: 17px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">答</strong></span></p></section></section></section><section style="padding: 20px 30px 20px 16px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;align-self: flex-start;height: auto;"><section style="outline: 0px;text-align: justify;line-height: 1.8;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">个人养老金资金账户封闭运行，参加人</span><span style="outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;color: rgb(61, 170, 214);"><strong style="outline: 0px;">达到以下任一条件的，可以按月、分次或者一次性领取</strong></span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">个人养老金。</span></p><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">（一）达到领取基本养老金年龄；</span></p><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">（二）完全丧失劳动能力；</span></p><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">（三）出国（境）定居；</span></p><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">（四）国家规定的其他情形。</span></p><p style="outline: 0px;"><br style="outline: 0px;"/></p><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">参加人领取个人养老金时，商业银行应通过信息平台检验参加人的领取资格，并将资金划转至参加人本人社会保障卡银行账户。</span></p></section></section></section></section></section><section style="margin-top: 50px;margin-bottom: 10px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;width: auto;vertical-align: top;min-width: 10%;flex: 0 0 auto;height: auto;line-height: 1;align-self: flex-start;"><section style="outline: 0px;transform: translate3d(1px, 0px, 0px);"><section style="padding-right: 7px;padding-left: 7px;outline: 0px;font-size: 39px;color: rgb(231, 35, 18);line-height: 1;letter-spacing: 0px;text-align: justify;"><p style="outline: 0px;text-align: center;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 36px;"><em style="outline: 0px;"><strong style="outline: 0px;">08</strong></em></span></p></section></section><section style="margin-top: -17px;outline: 0px;text-align: left;"><section style="outline: 0px;display: inline-block;width: 67.6875px;height: 22px;vertical-align: top;overflow: hidden;background-color: rgb(255, 238, 238);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);"><section style="outline: 0px;display: inline-block;width: 13px;height: 13px;vertical-align: top;overflow: hidden;background-image: linear-gradient(to right bottom, rgb(255, 238, 237) 50%, rgba(255, 238, 237, 0) 50%);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section></section><section style="margin-top: 10px;outline: 0px;isolation: isolate;display: flex;flex-flow: row nowrap;text-align: left;justify-content: flex-start;"><section style="padding: 9px 15px;outline: 0px;display: inline-block;vertical-align: top;width: auto;background-color: rgb(3, 80, 127);min-width: 10%;flex: 0 0 auto;height: auto;align-self: stretch;"><section style="outline: 0px;color: rgb(255, 255, 255);text-align: justify;font-size: 17px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">问</strong></span></p></section></section><section style="padding: 4px 4px 4px 12px;outline: 0px;display: inline-block;vertical-align: top;width: auto;background-color: rgb(241, 241, 241);flex: 100 100 0%;height: auto;align-self: stretch;"><section style="margin-top: 5px;outline: 0px;"><section style="outline: 0px;color: rgb(3, 80, 127);text-align: justify;font-size: 18px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">个人养老金可以继承吗？</strong></span></p></section></section></section></section><section style="outline: 0px;text-align: left;transform: translate3d(7px, 0px, 0px);"><section style="outline: 0px;display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 4px;border-color: rgb(3, 80, 127) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(3, 80, 127);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section><section style="margin-bottom: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;width: 677px;vertical-align: top;border-style: solid;border-width: 1px;border-color: rgb(3, 80, 127);align-self: flex-start;flex: 0 0 auto;"><section style="outline: 0px;display: flex;flex-flow: row nowrap;text-align: center;justify-content: center;"><section style="padding: 15px;outline: 0px;display: inline-block;vertical-align: top;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;background-color: rgb(241, 241, 241);"><section style="outline: 0px;"><section style="outline: 0px;color: rgb(3, 80, 127);font-size: 17px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">答</strong></span></p></section></section></section><section style="padding: 20px 30px 20px 16px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;align-self: flex-start;height: auto;"><section style="outline: 0px;text-align: justify;line-height: 1.8;"><p style="outline: 0px;"><strong><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;color: rgb(61, 170, 214);">参加人身故的，其个人养老金资金账户内的资产可以继承。</span></strong></p><p style="outline: 0px;"><br style="outline: 0px;"/></p><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;">参加人出国（境）定居、身故等原因社会保障卡被注销的，商业银行将参加人个人养老金资金账户内的资金转至其本人或者继承人指定的资金账户。</span></p></section></section></section></section></section></section></section></section></section></section></section></section></section><section style="text-align: center;line-height: 2em;"><br/></section></section></section></section><section data-role="paragraph"><section data-role="paragraph" style="margin-bottom: 0px;white-space: normal;outline: 0px;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, 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