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減稅養老要來了!個稅遞延型養老險政策12月出臺

來源: 南方日報網絡版     時間: 2019年06月30日 22:44:59
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(  本)(報)(記)(者)(王)(曉)(慧)(北)(京)(報)(道)(
  個)(人)(稅)(收)(遞)(延)(型)(商)(業)(養)(老)(保)(險)(試)(點)(在)(醞)(釀)(8年)(后)(終)(將)(落)(地)(,這)(意)(味)(著)(“減)(稅)(養)(老)(”體)(系)(漸)(成)(?!痘?(夏)(時)(報)(》記)(者)(從)(一)(位)(參)(與)(了)(“保)(監)(會)(關)(于)(個)(人)(稅)(收)(遞)(延)(型)(商)(業)(養)(老)(保)(險)(課)(題)(”的)(人)(士)(處)(了)(解)(到)(,個)(稅)(遞)(延)(型)(養)(老)(保)(險)(的)(相)(關)(政)(策)(肯)(定)(會)(于)(12月)(出)(臺)(。
  11月)(29日)(,中)(國)(保)(險)(行)(業)(協)(會)(、人)(社)(部)(社)(保)(研)(究)(所)(等)(5家)(機)(構)(聯)(合)(發)(布)(的)(《2015中)(國)(職)(工)(養)(老)(儲)(備)(指)(數)(大)(中)(城)(市)(報)(告)(》(下)(稱)(《報)(告)(》)顯)(示)(,2015年)(中)(國)(大)(中)(城)(市)(職)(工)(養)(老)(儲)(備)(指)(數)(為)(59.7分)(,基)(本)(滿)(足)(了)(城)(市)(職)(工)(養)(老)(儲)(備)(要)(求)(,但)(大)(中)(城)(市)(職)(工)(仍)(有)(較)(大)(的)(提)(升)(空)(間)(。
  “2015年)(是)(養)(老)(改)(革)(的)(大)(年)(,中)(國)(養)(老)(金)(三)(支)(柱)(改)(革)(都)(進)(入)(了)(深)(水)(區)(,但)(許)(多)(問)(題)(還)(需)(要)(盡)(快)(達)(成)(共)(識)(;其)(中)(,進)(一)(步)(完)(善)(多)(層)(次)(體)(系)(,加)(快)(發)(展)(第)(三)(支)(柱)(更)(加)(迫)(切)(?!?2月)(1日)(,參)(與)(此)(次)(《報)(告)(》研)(究)(工)(作)(的)(中)(國)(社)(科)(院)(世)(界)(社)(保)(研)(究)(中)(心)(主)(任)(鄭)(秉)(文)(接)(受)(本)(報)(記)(者)(采)(訪)(時)(稱)(,通)(過)(稅)(優)(政)(策)(鼓)(勵)(發)(展)(補)(充)(養)(老)(保)(險)(可)(以)(提)(高)(養)(老)(金)(替)(代)(率)(,第)(三)(支)(柱)(的)(稅)(收)(優)(惠)(政)(策)(即)(將)(出)(臺)(。
  養)(老)(儲)(備)(未)(來)(堪)(憂)(
  數)(據)(顯)(示)(,截)(至)(2014年)(,我)(國)(60歲)(及)(以)(上)(的)(老)(年)(人)(口)(總)(數)(達)(2.12億)(人)(,占)(總)(人)(口)(比)(重)(達)(15.5%,中)(國)(已)(成)(為)(世)(界)(上)(老)(年)(人)(口)(總)(量)(最)(多)(的)(國)(家)(,養)(老)(儲)(備)(是)(否)(充)(足)(成)(了)(眾)(多)(人)(關)(心)(的)(話)(題)(。
  《報)(告)(》顯)(示)(,2015年)(中)(國)(大)(中)(城)(市)(職)(工)(養)(老)(儲)(備)(指)(數)(為)(59.7分)(,接)(近)(評)(價)(基)(礎)(標)(準)(。同)(時)(,從)(企)(業)(類)(型)(來)(看)(,國)(企)(職)(工)(養)(老)(儲)(備)(最)(好)(,職)(工)(工)(作)(相)(對)(穩)(定)(,保)(障)(措)(施)(比)(較)(到)(位)(;外)(資)(企)(業)(次)(之)(,民)(營)(企)(業)(排)(名)(則)(在)(最)(后)(。
  “指)(標)(體)(系)(由)(3個)(一)(級)(指)(標)(和)(15個)(二)(級)(指)(標)(組)(成)(,其)(中)(,一)(級)(指)(標)(分)(別)(是)(充)(足)(度)(、穩)(定)(度)(和)(認)(知)(度)(;二)(級)(指)(標)(則)(涵)(蓋)(了)(公)(眾)(普)(遍)(關)(注)(的)(基)(本)(養)(老)(保)(險)(、商)(業)(養)(老)(保)(險)(、企)(業)(年)(金)(、不)(動)(產)(、養)(老)(規)(劃)(等)(內)(容)(?!?2月)(1日)(,參)(與)(了)(《報)(告)(》起)(草)(工)(作)(的)(中)(國)(社)(科)(院)(世)(界)(社)(保)(研)(究)(中)(心)(副)(秘)(書)(長)(齊)(傳)(鈞)(接)(受)(《華)(夏)(時)(報)(》記)(者)(采)(訪)(時)(介)(紹)(稱)(,該)(《報)(告)(》設)(置)(了)(5個)(檔)(,第)(一)(、第)(二)(檔)(的)(分)(值)(最)(低)(,第)(三)(檔)(是)(60-80分)(,第)(四)(檔)(是)(80-90分)(,第)(五)(檔)(最)(高)(,59.7分)(的)(養)(老)(儲)(備)(指)(數)(接)(近)(第)(三)(檔)(,而)(理)(想)(的)(平)(均)(分)(值)(應)(該)(是)(在)(60分)(到)(80分)(之)(間)(。
  據)(悉)(,該)(《報)(告)(》是)(國)(內)(首)(個)(衡)(量)(養)(老)(儲)(備)(穩)(定)(度)(、充)(足)(度)(、認)(知)(度)(,并)(對)(其)(效)(益)(評)(價)(進)(行)(系)(統)(調)(查)(和)(全)(方)(位)(數)(字)(化)(測)(量)(的)(一)(個)(綜)(合)(性)(的)(指)(數)(,其)(中)(,充)(足)(度)(就)(是)(指)(目)(前)(家)(庭)(積)(累)(的)(養)(老)(儲)(備)(的)(情)(況)(,比)(如)(是)(否)(擁)(有)(基)(本)(養)(老)(保)(險)(、年)(金)(、商)(業)(養)(老)(保)(險)(、金)(融)(資)(產)(等)(各)(種)(資)(產)(;穩)(定)(性)(就)(是)(退)(休)(前)(養)(老)(儲)(備)(的)(一)(個)(預)(期)(,比)(如)(,即)(便)(這)(個)(家)(庭)(擁)(有)(充)(足)(的)(養)(老)(儲)(備)(,但)(家)(庭)(負)(擔)(比)(較)(重)(,未)(來)(的)(積)(累)(能)(力)(就)(有)(可)(能)(下)(降)(,同)(時)(,是)(否)(參)(與)(了)(醫)(療)(、意)(外)(等)(商)(業)(保)(險)(,都)(會)(影)(響)(未)(來)(意)(外)(大)(額)(支)(出)(的)(增)(減)(;認)(知)(度)(則)(是)(對)(未)(來)(養)(老)(儲)(備)(的)(認)(知)(以)(及)(相)(關)(狀)(況)(是)(否)(清)(晰)(。
  《報)(告)(》顯)(示)(,一)(級)(指)(標)(中)(,穩)(定)(度)(最)(高)(,指)(數)(值)(為)(62.6,充)(足)(度)(次)(之)(,指)(數)(值)(為)(59.2,認)(知)(度)(最)(低)(,指)(數)(值)(為)(56.6。也)(就)(是)(說)(,充)(足)(度)(和)(認)(知)(度)(均)(未)(達)(到)(及)(格)(水)(平)(。
  “除)(此)(之)(外)(,基)(本)(養)(老)(保)(險)(未)(覆)(蓋)(人)(群)(主)(要)(集)(中)(于)(30歲)(以)(下)(的)(年)(輕)(職)(工)(,其)(比)(例)(高)(達)(20.1%,也)(就)(是)(該)(年)(齡)(段)(每)(5個)(人)(就)(有)(1個)(沒)(有)(參)(加)(基)(本)(養)(老)(保)(險)(,從)(長)(遠)(來)(看)(,這)(樣)(的)(情)(況)(肯)(定)(會)(影)(響)(未)(來)(的)(養)(老)(儲)(備)(指)(數)(,養)(老)(儲)(備)(指)(數)(會)(繼)(續)(下)(降)(?!逼?(傳)(鈞)(強)(調)(,如)(果)(不)(進)(行)(相)(關)(的)(改)(革)(,養)(老)(儲)(備)(指)(數)(未)(來)(是)(不)(樂)(觀)(的)(。
  向)(第)(三)(支)(柱)(傾)(斜)(
  《報)(告)(》認)(為)(,提)(高)(職)(工)(養)(老)(儲)(備)(水)(平)(的)(根)(本)(出)(路)(在)(于)(大)(力)(發)(展)(商)(業)(保)(險)(,尤)(其)(是)(盡)(快)(推)(出)(“稅)(延)(個)(人)(養)(老)(賬)(戶)(”,讓)(職)(工)(自)(己)(參)(加)(賬)(戶)(投)(資)(增)(值)(。稅)(延)(型)(養)(老)(保)(險)(是)(指)(,投)(保)(人)(在)(稅)(前)(列)(支)(保)(費)(,等)(到)(將)(來)(領)(取)(保)(險)(金)(時)(再)(繳)(納)(個)(人)(所)(得)(稅)(,這)(樣)(可)(略)(微)(降)(低)(個)(人)(的)(稅)(務)(負)(擔)(,屬)(于)(補)(充)(保)(險)(的)(一)(部)(分)(。
  我)(國)(養)(老)(保)(障)(體)(系)(共)(有)(“三)(大)(支)(柱)(”,第)(一)(支)(柱)(為)(社)(會)(基)(本)(養)(老)(保)(險)(,屬)(政)(府)(主)(導)(;第)(二)(支)(柱)(為)(企)(業)(年)(金)(,為)(企)(業)(及)(職)(工)(自)(愿)(建)(立)(;第)(三)(支)(柱)(為)(個)(人)(商)(業)(養)(老)(保)(險)(。2015年)(,這)(三)(支)(柱)(改)(革)(都)(進)(入)(了)(深)(水)(區)(,如)(第)(一)(支)(柱)(即)(基)(本)(養)(老)(保)(險)(基)(金)(投)(資)(管)(理)(辦)(法)(8月)(24日)(已)(經)(面)(世)(,正)(在)(緊)(鑼)(密)(鼓)(推)(進)(;第)(二)(支)(柱)(則)(是)(今)(年)(年)(初)(2月)(份)(機)(關)(事)(業)(單)(位)(職)(業)(年)(金)(的)(管)(理)(辦)(法)(,亦)(在)(逐)(步)(落)(地)(;第)(三)(支)(柱)(全)(面)(深)(化)(改)(革)(,就)(是)(要)(大)(力)(發)(展)(商)(業)(養)(老)(保)(險)(,如)(今)(也)(即)(將)(有)(新)(動)(作)(。
  “總)(體)(來)(看)(,我)(國)(三)(大)(支)(柱)(的)(發)(展)(依)(然)(處)(于)(失)(衡)(的)(狀)(態)(,尤)(其)(是)(第)(三)(支)(柱)(的)(發)(展)(相)(對)(較)(弱)(,后)(續)(的)(政)(策)(一)(定)(會)(向)(第)(三)(支)(柱)(傾)(斜)(,本)(月)(內)(相)(關)(政)(策)(將)(會)(出)(臺)(,稅)(前)(列)(支)(的)(優)(惠)(幅)(度)(或)(在)(10%左)(右)(?!?2月)(1日)(,北)(京)(大)(學)(中)(國)(保)(險)(與)(社)(保)(研)(究)(中)(心)(研)(究)(員)(王)(國)(軍)(接)(受)(本)(報)(記)(者)(采)(訪)(時)(表)(示)(,個)(人)(稅)(收)(遞)(延)(型)(養)(老)(保)(險)(政)(策)(的)(出)(臺)(,意)(味)(著)(稅)(收)(優)(惠)(將)(全)(面)(覆)(蓋)(我)(國)(養)(老)(保)(險)(三)(大)(支)(柱)(,“減)(稅)(養)(老)(”體)(系)(漸)(成)(。
  據)(了)(解)(,作)(為)(“兜)(底)(”的)(基)(礎)(養)(老)(保)(險)(,是)(由)(個)(人)(和)(企)(業)(共)(同)(繳)(納)(,免)(稅)(政)(策)(已)(經)(在)(我)(國)(實)(行)(十)(余)(年)(;針)(對)(企)(業)(年)(金)(、職)(業)(年)(金)(的)(個)(稅)(遞)(延)(優)(惠)(也)(已)(實)(施)(了)(近)(兩)(年)(時)(間)(;如)(今)(,對)(于)(個)(人)(商)(業)(養)(老)(保)(險)(的)(個)(稅)(遞)(延)(也)(將)(啟)(動)(。
  “稅)(前)(列)(支)(的)(額)(度)(由)(企)(業)(代)(扣)(代)(繳)(,然)(后)(參)(與)(協)(會)(或)(者)(政)(府)(指)(定)(的)(價)(格)(便)(宜)(、保)(障)(范)(圍)(和)(保)(障)(責)(任)(都)(比)(較)(公)(允)(的)(險)(種)(?!蓖?(國)(軍)(表)(示)(,目)(前)(我)(國)(的)(第)(三)(支)(柱)(太)(弱)(了)(,市)(場)(份)(額)(不)(及)(10%,個)(稅)(遞)(延)(型)(養)(老)(保)(險)(不)(光)(有)(利)(于)(擴)(大)(商)(業)(養)(老)(保)(險)(的)(市)(場)(份)(額)(,同)(時)(,可)(以)(延)(遲)(個)(稅)(到)(退)(休)(領)(取)(保)(險)(金)(時)(再)(繳)(納)(,降)(低)(當)(期)(稅)(務)(負)(擔)(。
  一)(家)(大)(型)(保)(險)(公)(司)(的)(精)(算)(師)(算)(過)(一)(筆)(賬)(,如)(果)(可)(以)(稅)(前)(先)(列)(支)(600元)(作)(為)(保)(費)(購)(買)(養)(老)(保)(險)(,則)(應)(繳)(稅)(下)(降)(到)(29元)(。也)(就)(是)(說)(,如)(果)(購)(買)(了)(個)(稅)(遞)(延)(型)(養)(老)(產)(品)(,每)(月)(可)(以)(少)(納)(稅)(22元)(,一)(年)(就)(是)(264元)(。如)(按)(照)(投)(資)(30年)(計)(算)(,則)(30年)(間)(少)(繳)(納)(7920元)(個)(稅)(。
  據)(記)(者)(了)(解)(,個)(人)(稅)(收)(遞)(延)(型)(養)(老)(保)(險)(一)(旦)(實)(施)(,商)(業)(保)(險)(公)(司)(也)(將)(成)(為)(最)(大)(受)(益)(者)(。
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