2016 insurance industry outlook pension insurance deferred tax is expected to launch-zznba

Insurance industry in 2016: pension insurance tax deferred is expected to launch in 2015, the insurance industry handed over a beautiful transcript, which makes people in 2016 insurance industry development is more full of expectations. Pension insurance deferred tax deferred release, housing endowment pilot expansion, catastrophe insurance system landing…… These hot topics which are closely related to the national economy and the people’s livelihood will become a new aspect of the insurance industry in 2016. As soon as possible pension insurance tax deferred pension insurance tax deferred, is allowed to buy commercial pension insurance policyholders in the tax deductibility of the premium, wait until the future to receive insurance money to pay a tax, which is a lower tax burden on current policyholders through tax incentives. The tax incentives in the industry for many years, the pilot is expected to launch as soon as possible. Xiang Junbo, chairman of the China Insurance Regulatory Commission, said that in 2016, the government should try to launch the pilot project of tax deferred pension insurance as soon as possible, and work out a pilot program and organize the implementation. We should prepare for the construction of tax deferred insurance information platform, the formulation of supervision system for tax deferred insurance, and the design of demonstration clauses. At present, China’s old-age security consists of three pillars: the first pillar is mandatory social endowment insurance; the second pillar is enterprise annuity and occupational pension; the third pillar is the commercial health and commercial pension insurance purchased by individuals. Zheng Bingwen, director of the world social security research center of the Chinese Academy of Social Sciences, said that China’s pension reform has a long way to go, and many issues need to be reached as soon as possible, and a package of solutions will be launched. Among them, it is urgent and feasible to further improve the multi-level system and accelerate the development of the third pillar, that is, to vigorously develop commercial pension insurance. Zheng Bingwen believes that to develop the third pillar of the social security system, should be clear at least four issues: first, to clear the personal commercial endowment insurance tax preferential policies in the subject matter; second, to clear tax policy group; third, to implement the carrier of clear tax policy; fourth, at the same time to clear the necessity of providing two a good tax policy. In the first and second pension security pillars bring limited protection, at the same time, people with the government tax preferential policy, individuals pay for their own commercial insurance, improve the level of security. In August 2015, personal commercial health insurance tax preferential landing, and officially launched the pilot in January 1st this year, the pilot area of individuals to buy health insurance products in accordance with the provisions of the expenditure, in accordance with the standard limit of 2400 yuan / year in the personal income tax deduction. This tax preference range is large, some experts introduced, such as with a tax threshold to describe the image, the current starting point is 3500 yuan, such as personal annual purchase tax premium health insurance premium reached 2400 yuan, equivalent to the starting point of the tune of 3700 yuan. China Insurance Regulatory Commission said that in 2016, the former tax premium health insurance pilot will be summarized, based on the improvement of the program to promote the national pilot. Housing endowment pilot will be expanded to the housing endowment supporting system will continue to improve. In 2014, the China Insurance Regulatory Commission announced that from July 1st of this year, the next two years, Beijing, Shanghai, Guangzhou, Wuhan officially launched the elderly housing reverse mortgage endowment insurance pilot, 20

2016年保险业看点:养老险个税递延有望推出    2015年,保险业交出了一张漂亮的成绩单,这让人对2016年保险业的发展更充满期待。养老险个税递延适时推出、以房养老试点扩容、巨灾保险制度落地……这些与国计民生息息相关的热点话题都将成为2016年保险业的新看点。    尽快推出养老险个税递延    养老险个税递延,是指允许购买商业养老保险的投保人在个税前列支保费,等到将来领取保险金时再缴纳个税,这是一种通过降低投保人当期税务负担的税收优惠。    这一税收优惠业内呼吁多年,试点也有望尽快推出。    保监会主席项俊波说,2016年,争取尽快推出税延养老保险试点,抓紧制定试点方案,并组织好实施。做好税延保险信息平台建设、税延保险监管制度制定、示范条款设计等试点准备。    目前我国的养老保障由三大支柱构成:第一支柱是强制性的社会养老保险;第二支柱是企业年金和职业年金;第三支柱是个人购买的商业健康、商业养老保险。    中国社科院世界社保研究中心主任郑秉文表示,中国养老金改革任重道远,许多问题还需尽快达成共识,并且推出一揽子解决方案。其中,进一步完善多层次体系,加快发展第三支柱即大力发展商业养老保险尤为迫切,也非常可行。    郑秉文认为,要发展养老保障第三支柱,至少应明确四个问题:第一,要明确个人商业养老保险税优政策的标的物;第二,要明确税优政策的人群范围;第三,要明确税优政策的实施载体;第四,要明确同时提供两种税优政策的必要性。    在第一和第二养老保障支柱带来有限保障同时,百姓借助政府税优政策,个人出钱为自己购买商业保险提高保障水平顺理成章。    2015年8月,个人商业健康保险税收优惠政策落地,并于今年1月1日正式启动试点,对试点地区个人购买符合规定的健康保险产品的支出,按照2400元/年的限额标准在个人所得税前予以扣除。    这一税收优惠幅度较大,一些专家介绍,如用个税起征点来形象描述,目前起征点为3500元,如个人全年购买税优健康险保费达到2400元,则相当于起征点调高为3700元。    保监会表示,2016年,将总结前期税优健康险试点的基础上,完善方案,推动全国试点。    以房养老试点将扩容    以房养老配套制度也将不断完善。2014年,保监会宣布从当年7月1日起,未来两年,北京、上海、广州、武汉正式开展老年人住房反向抵押养老保险试点,2015年3月,这项试点实质性启动,幸福人寿推出保险业首款住房反向抵押养老保险产品。    截至2015年底,幸福人寿与45户家庭62位老人签订了投保意向书,完成承保手续的有29户38位老人,已开始领取养老金的老人有29位。    保监会副主席黄洪认为,以房养老探索出了一条养老融资的新路,为有房产但养老资金不足的老年人增加了一种养老选择,使老年人的“死钱”变成了“活钱”,满足了老年人希望“居家养老”和“增加养老收入”的两大核心养老需求。    他表示,尽管试点总体运行平稳,但也遇到了传统养老观念、政策环境、市场环境等方面的问题和挑战。特别是由于该项业务是一项将反向抵押和养老年金保险相结合的创新型业务,除传统保险业务所需面对的长寿风险和利率风险外,还需要应对房地产市场波动、房产处置等风险挑战,每单业务的成本和承保周期都远超过传统保险业务。此外,保险产品和服务的供给还要继续优化,市场主体还有待增加。    2016年,保监会将在北京、上海、广州、武汉四个试点城市的基础上,选择经济条件较好、房地产市场较为规范、当地政府支持的城市和地区纳入试点范围,通过扩大业务经营区域,使更多老年人享受到这项政策福利。    巨灾保险制度有望落地    2015年,保险行业积极应对灾害事故,云南、四川地方巨灾保险试点相继启动;我国首只巨灾债券在北美成功发行;宁波“灿鸿”“杜鹃”台风保险赔付8000万元,广东“彩虹”台风赔付7.5亿元;“东方之星”号客轮翻沉事件保险赔付7380.6万元。    保监会主席项俊波表示,2016年,将抓好巨灾保险制度落地;要尽快推动《建立城乡居民住宅地震巨灾保险制度实施方案》在全国范围内落地;积极推动地震巨灾保险立法进程,将地震巨灾保险纳入法制化框架;继续推动巨灾保险地方试点,探索研究覆盖洪水、台风等主要自然灾害的巨灾保险制度。    除此之外,今年保险资金对国家重大战略和实体经济的支持力度也将加大。    项俊波表示,将引导保险资金通过债权投资计划、股权投资计划等方式,支持国家重大战略实施和重大民生工程建设,并不断创新保险资产管理产品和资金运用方式,通过保险私募基金、股债结合、优先股、资产支持计划等,加大对科技型小微企业、战略性新兴产业的支持力度。 进入【新浪财经股吧】讨论相关的主题文章: