銀保監(jiān)會有關(guān)部門負責(zé)人近日介紹稱，目前商業(yè)銀行已開立個人養(yǎng)老金資金賬戶超過2400萬戶。銀保監(jiān)會將穩(wěn)步有序推進養(yǎng)老理財產(chǎn)品試點工作，健全完善相關(guān)監(jiān)管制度，推動更多符合條件的產(chǎn)品納入個人養(yǎng)老金理財產(chǎn)品名單，滿足人民群眾多樣化養(yǎng)老金融需求。

More than 24 million individual pension accounts have been opened since China announced the implementation of its private pension plan to supplement the country's old-age insurance mechanism in November last year, the country's banking and insurance regulator said.

銀保監(jiān)會有關(guān)部門負責(zé)人近日表示，自去年11月中國宣布實施個人養(yǎng)老金制度以補充國家養(yǎng)老保險機制以來，目前商業(yè)銀行已開立個人養(yǎng)老金資金賬戶超過2400萬戶。

The China Banking and Insurance Regulatory Commission said that the banking and insurance institutions have been introducing savings, wealth management products, commercial pension insurance, and other financial products for individual pension account holders.

該負責(zé)人介紹，銀行保險機構(gòu)正在有序推出儲蓄存款、理財產(chǎn)品、商業(yè)養(yǎng)老保險等多種可供參加人投資購買的金融產(chǎn)品。

Under the private pension plan, applicants can open their own individual pension accounts, which can collect up to 12,000 yuan annually and enjoy tax incentives. It is specifically for buying certain old-age financial products.

按照個人養(yǎng)老金制度，申請人可以開立自己的個人養(yǎng)老金賬戶，參加人每年繳納個人養(yǎng)老金額度上限為1.2萬元，并享受稅收優(yōu)惠。個人養(yǎng)老金可以購買符合規(guī)定的金融產(chǎn)品。

The country unveiled the first batch of seven private pension wealth management products on Feb. 10, said China Banking Wealth Management Registration and Depository Center.

2月10日，銀行業(yè)理財?shù)怯浲泄苤行陌l(fā)布首批個人養(yǎng)老金理財產(chǎn)品名單，共有7只個人養(yǎng)老金理財產(chǎn)品正式發(fā)售。

China has a three-pillar old-age insurance mechanism, covering the national basic old-age insurance, the enterprise and occupational annuities, the commercial old-age financial products, and the private pension plan.

中國的養(yǎng)老保險制度是一個“三支柱”的體系。第一支柱是基本養(yǎng)老保險，第二支柱即企業(yè)年金和職業(yè)年金，第三支柱包括個人儲蓄性養(yǎng)老保險和商業(yè)養(yǎng)老保險。

【相關(guān)詞匯】

個人養(yǎng)老金  private pension

養(yǎng)老理財產(chǎn)品 old-age financial products

養(yǎng)老金賬戶 pension accounts

人口老齡化 population aging

（來源：新華社  編輯：yaning）