个人养老金怎么参加？何时领取？8问8答，带你了解！
<section data-role="outer" label="edit by 135editor" style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; 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; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-mpa-powered-by="yiban.io" style="margin: 20px 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; visibility: visible; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 10px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; line-height: 1.8; visibility: visible;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">近日，人力资源社会保障部、财政部、国家税务总局、银保监会、证监会联合印发</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">《个人养老金实施办法》</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">。这是贯彻落实党中央、国务院关于健全多层次、多支柱养老保险体系，规范发展第三支柱养老保险的重要举措，也是推进《国务院办公厅关于推动个人养老金发展的意见》落实落细的具体做法。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: center; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">那么，个人养老金是什么？</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: center; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">怎么缴纳？资金怎么使用……</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: center; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">8问8答</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: center; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">带你快速了解！</p></section></section><section style="margin: 10px 0px 40px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: center; visibility: visible; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; vertical-align: middle; display: inline-block; line-height: 0; width: 135.391px; height: auto; visibility: visible;"></section></section><section style="margin: 10px 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row nowrap; visibility: visible; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible; transform: translate3d(1px, 0px, 0px);"><section style="margin: 0px; padding: 0px 7px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 39px; color: rgb(231, 35, 18); line-height: 1; letter-spacing: 0px; text-align: justify; visibility: visible;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: center; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 32px; visibility: visible;"><em style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">01</strong></em></span></p></section></section><section style="margin: -17px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; visibility: visible;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; visibility: visible; transform: translate3d(7px, 0px, 0px);"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; isolation: isolate; display: flex; flex-flow: row nowrap; text-align: left; justify-content: flex-start; visibility: visible; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 9px 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(255, 255, 255); text-align: justify; visibility: visible;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">问</strong></p></section></section><section style="margin: 0px; padding: 4px 4px 4px 12px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127); text-align: justify; font-size: 18px; visibility: visible;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; visibility: visible;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">个人养老金是什么？</strong></span></p></section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; visibility: visible; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; transform: translate3d(7px, 0px, 0px); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section><section style="margin: 0px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; visibility: visible; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; flex-flow: row nowrap; text-align: center; justify-content: center; visibility: visible;"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127); font-size: 18px; visibility: visible;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; visibility: visible;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">答</strong></span></p></section></section></section><section style="margin: 0px; padding: 20px 30px 20px 16px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; flex: 100 100 0%; align-self: flex-start; height: auto; visibility: visible;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; line-height: 1.8; visibility: visible;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">个人养老金是指<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(0, 0, 0); visibility: visible;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; 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>的制度。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">个人养老金实行<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(0, 0, 0); visibility: visible;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">个人账户制</strong></span>，<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(0, 0, 0); visibility: visible;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">缴费完全由参加人个人承担</strong></span>，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。</p></section></section></section></section></section><section style="margin: 50px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row nowrap; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: translate3d(1px, 0px, 0px);"><section style="margin: 0px; padding: 0px 7px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 39px; color: rgb(231, 35, 18); line-height: 1; letter-spacing: 0px; text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 32px;"><em style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">02</strong></em></span></p></section></section><section style="margin: -17px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; transform: translate3d(7px, 0px, 0px);"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; isolation: isolate; display: flex; flex-flow: row nowrap; text-align: left; justify-content: flex-start; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 9px 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(255, 255, 255); text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">问</strong></p></section></section><section style="margin: 0px; padding: 4px 4px 4px 12px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127); text-align: justify; font-size: 18px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">哪些人可以参加个人养老金？</strong></span></p></section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; transform: translate3d(7px, 0px, 0px); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="margin: 0px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; flex-flow: row nowrap; text-align: center; justify-content: center;"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127); font-size: 18px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">答</strong></span></p></section></section></section><section style="margin: 0px; padding: 20px 30px 20px 16px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; flex: 100 100 0%; align-self: flex-start; height: auto;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; line-height: 1.8;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">个人养老金的参加人应当是<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(0, 0, 0);"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">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>。</p></section></section></section></section></section><section style="margin: 50px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row nowrap; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: translate3d(1px, 0px, 0px);"><section style="margin: 0px; padding: 0px 7px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 39px; color: rgb(231, 35, 18); line-height: 1; letter-spacing: 0px; text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 32px;"><em style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">03</strong></em></span></p></section></section><section style="margin: -17px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; transform: translate3d(7px, 0px, 0px);"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; isolation: isolate; display: flex; flex-flow: row nowrap; text-align: left; justify-content: flex-start; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 9px 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(255, 255, 255); text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">问</strong></p></section></section><section style="margin: 0px; padding: 4px 4px 4px 12px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127); text-align: justify; font-size: 18px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">如何参加个人养老金？</strong></span></p></section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; transform: translate3d(7px, 0px, 0px); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="margin: 0px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; flex-flow: row nowrap; text-align: center; justify-content: center;"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127); font-size: 18px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">答</strong></span></p></section></section></section><section style="margin: 0px; padding: 20px 30px 20px 16px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; flex: 100 100 0%; align-self: flex-start; height: auto;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; line-height: 1.8;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">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 style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(0, 0, 0);"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">在信息平台开立<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(218, 70, 29);">个人养老金账户</span></strong></span>。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。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">之后，<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(0, 0, 0);"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">选择一家符合规定的商业银行开立或者指定本人唯一的<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(218, 70, 29);">个人养老金资金账户</span></strong></span>（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。</p></section></section></section></section></section><section style="margin: 50px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row nowrap; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: translate3d(1px, 0px, 0px);"><section style="margin: 0px; padding: 0px 7px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 39px; color: rgb(231, 35, 18); line-height: 1; letter-spacing: 0px; text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 32px;"><em style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">04</strong></em></span></p></section></section><section style="margin: -17px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; transform: translate3d(7px, 0px, 0px);"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; isolation: isolate; display: flex; flex-flow: row nowrap; text-align: left; justify-content: flex-start; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 9px 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(255, 255, 255); text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">问</strong></p></section></section><section style="margin: 0px; padding: 4px 4px 4px 12px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127); text-align: justify; font-size: 18px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">如何缴费？</strong></span></p></section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; transform: translate3d(7px, 0px, 0px); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="margin: 0px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; flex-flow: row nowrap; text-align: center; justify-content: center;"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127);"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">答</strong></p></section></section></section><section style="margin: 0px; padding: 20px 30px 20px 16px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; flex: 100 100 0%; align-self: flex-start; height: auto;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; line-height: 1.8;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">参加人<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(0, 0, 0);"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">每年缴纳个人养老金额度上限为<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(218, 70, 29);">12000元</span></strong></span>，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。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">参加人可以<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(0, 0, 0);"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">按月、分次或者按年度缴费</strong></span>，缴费额度按自然年度累计，次年重新计算。</p></section></section></section></section></section><section style="margin: 50px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row nowrap; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: translate3d(1px, 0px, 0px);"><section style="margin: 0px; padding: 0px 7px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 39px; color: rgb(231, 35, 18); line-height: 1; letter-spacing: 0px; text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 32px;"><em style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">05</strong></em></span></p></section></section><section style="margin: -17px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; transform: translate3d(7px, 0px, 0px);"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; isolation: isolate; display: flex; flex-flow: row nowrap; text-align: left; justify-content: flex-start; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 9px 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(255, 255, 255); text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">问</strong></p></section></section><section style="margin: 0px; padding: 4px 4px 4px 12px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127); text-align: justify; font-size: 18px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">资金怎么使用，与存款有何区别？</strong></span></p></section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; transform: translate3d(7px, 0px, 0px); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="margin: 0px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; flex-flow: row nowrap; text-align: center; justify-content: center;"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127);"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">答</strong></p></section></section></section><section style="margin: 0px; padding: 20px 30px 20px 16px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; flex: 100 100 0%; align-self: flex-start; height: auto;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; line-height: 1.8;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">个人养老金资金账户里的资金，可以<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(0, 0, 0);"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">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>。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">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。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">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。</p></section></section></section></section></section><section style="margin: 50px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row nowrap; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: translate3d(1px, 0px, 0px);"><section style="margin: 0px; padding: 0px 7px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 39px; color: rgb(231, 35, 18); line-height: 1; letter-spacing: 0px; text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 32px;"><em style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">06</strong></em></span></p></section></section><section style="margin: -17px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; transform: translate3d(7px, 0px, 0px);"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; isolation: isolate; display: flex; flex-flow: row nowrap; text-align: left; justify-content: flex-start; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 9px 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(255, 255, 255); text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">问</strong></p></section></section><section style="margin: 0px; padding: 4px 4px 4px 12px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127); text-align: justify; font-size: 18px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">如何享受税收优惠？</strong></span></p></section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; transform: translate3d(7px, 0px, 0px); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="margin: 0px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; flex-flow: row nowrap; text-align: center; justify-content: center;"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127);"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">答</strong></p></section></section></section><section style="margin: 0px; padding: 20px 30px 20px 16px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; flex: 100 100 0%; align-self: flex-start; height: auto;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; line-height: 1.8;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">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。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">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。</p></section></section></section></section></section><section style="margin: 50px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row nowrap; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: translate3d(1px, 0px, 0px);"><section style="margin: 0px; padding: 0px 7px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 39px; color: rgb(231, 35, 18); line-height: 1; letter-spacing: 0px; text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 32px;"><em style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">07</strong></em></span></p></section></section><section style="margin: -17px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; transform: translate3d(7px, 0px, 0px);"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; isolation: isolate; display: flex; flex-flow: row nowrap; text-align: left; justify-content: flex-start; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 9px 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(255, 255, 255); text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">问</strong></p></section></section><section style="margin: 0px; padding: 4px 4px 4px 12px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127); text-align: justify; font-size: 18px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">个人养老金如何领取？</strong></span></p></section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; transform: translate3d(7px, 0px, 0px); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="margin: 0px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; flex-flow: row nowrap; text-align: center; justify-content: center;"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127);"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">答</strong></p></section></section></section><section style="margin: 0px; padding: 20px 30px 20px 16px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; flex: 100 100 0%; align-self: flex-start; height: auto;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; line-height: 1.8;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">个人养老金资金账户封闭运行，参加人<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(0, 0, 0);"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">达到以下任一条件的，可以按月、分次或者一次性领取</strong></span>个人养老金。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">（一）达到领取基本养老金年龄；</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">（二）完全丧失劳动能力；</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">（三）出国（境）定居；</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">（四）国家规定的其他情形。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">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。</p></section></section></section></section></section><section style="margin: 50px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row nowrap; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: translate3d(1px, 0px, 0px);"><section style="margin: 0px; padding: 0px 7px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 39px; color: rgb(231, 35, 18); line-height: 1; letter-spacing: 0px; text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 32px;"><em style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">08</strong></em></span></p></section></section><section style="margin: -17px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; transform: translate3d(7px, 0px, 0px);"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; isolation: isolate; display: flex; flex-flow: row nowrap; text-align: left; justify-content: flex-start; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 9px 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(255, 255, 255); text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">问</strong></p></section></section><section style="margin: 0px; padding: 4px 4px 4px 12px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127); text-align: justify; font-size: 18px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">个人养老金可以继承吗？</strong></span></p></section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; transform: translate3d(7px, 0px, 0px); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="margin: 0px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; flex-flow: row nowrap; text-align: center; justify-content: center;"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; 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="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(3, 80, 127);"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">答</strong></p></section></section></section><section style="margin: 0px; padding: 20px 30px 20px 16px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; flex: 100 100 0%; align-self: flex-start; height: auto;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; line-height: 1.8;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">参加人身故的，其个人养老金资金账户内的资产可以继承。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;">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。</p></section></section></section></section></section></section><p><br/></p><link rel="stylesheet" href="//www.dz0566.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_Ijj" id="wcn_editor_css"/>
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