Personal pension is a system supported by government policies, voluntary participation by individuals, market-oriented operation and supplementary function of old-age insurance. Since Ministry of Human Resources and Social Security, the Ministry of Finance and other departments jointly issued the "Measures for the Implementation of Individual Pensions" in November last year, the individual pension system has been piloted for more than half a year. As of May 25th, the number of individual pension participants reached 37,435,100, and the operation was generally stable. However, many residents have not continuously invested in their accounts after opening accounts, and the wait-and-see mood of "first look" and "wait and see" is more common. In this regard, our reporter conducted an interview.

　　Active account opening and insufficient deposit.

　　In China, the multi-level endowment insurance system mainly includes "three pillars". The first pillar is the basic old-age insurance, and the number of participants exceeds 1 billion; The second pillar includes enterprise annuity and occupational annuity, which are jointly paid by the unit and employees, and the state gives policy support; The third pillar includes personal pension and other personal commercial pension financial services. After the personal pension pilot, it attracted many people’s attention.

　　In February this year, Xiong Jin, who works in a foreign company in Shanghai, opened a personal pension account through China Construction Bank. At present, the maximum annual contribution of individual pension is 12,000 yuan. Xiong Jin will transfer to 1000 yuan to buy deposit products every month. In her view, this continuous investment is very important for providing for the aged. "Personal pension enriches the choice of old-age savings, and I intend to continue to invest."

　　According to the Survey Report on Pension Wealth Reserve in China (2023) issued by China Insurance Asset Management Association, 70% of the respondents are willing to participate in the personal pension system. However, in practice, there are many residents who open personal pension accounts, but the proportion of decisive investment like Xiong Jin is not high.

　　According to the data of the Ministry of Human Resources and Social Security, as of the end of the first quarter of this year, 30.38 million people in China had opened individual pension accounts, of which only over 9 million people had completed the fund storage, and the actual payment was only 31.37% of the participants. The total storage is 18.2 billion yuan, and the per capita storage is only 2022 yuan.

　　Why do you actively open an account and hesitate to pay?

　　Some people worry that it is inconvenient to use money urgently. Wang Qianyi, a girl from Tianjin, said: "The maximum amount of personal pension is 12,000 yuan per year, and the average amount is 1000 yuan every month. Although this amount is not very large, it lasts for a long time. According to the policy, the conditions for participants to receive personal pension are ‘ Reach the age of receiving basic pension ’ ‘ Completely lose the ability to work ’ ‘ Settle abroad ’ Wait, if you have something urgent, you will be limited. "

　　Some want to wait until the retirement age is determined. "From the perspective of investment diversification, I am willing to invest a little in my personal pension." Zhou Yurang, who is engaged in the psychological counseling industry in Chengdu, said that considering that personal pensions can only be withdrawn when they retire, the retirement age applicable to them in the future becomes the key. "From a global perspective, delaying retirement is a major trend. As a post-80 s, I am still far from retirement, and the applicable retirement age is not yet certain, so I want to wait and see. "

　　Some hope that the preferential tax policies can be more clear. Zhen Yu worked in a financial institution in Beijing and was one of the first to contact personal pension business. Zhen Yu said that she and many young colleagues have opened personal pension accounts and personal pension fund accounts. However, many people stay in the state of "just opening an account and not saving money". Zhen Yu believes that personal pension is a "long-distance running", and preferential tax policies need a longer-term signal. "The personal pension I paid last year has been given a tax rebate this year. However, I am not sure whether the implementation of deferred tax preferential policies for personal pensions will change in the future, which will also affect the willingness to pay in the future. " She said.

　　The attractiveness of products should be enhanced.

　　Many people in the industry said that as a new thing, personal pension needs a process from understanding to acceptance. Despite this, the attractiveness of related products and services still needs to be enhanced.

　　The pension attribute should be more prominent. Cao Deyun, executive vice president and secretary general of China Insurance Asset Management Association, said that after the implementation of the personal pension system, it showed a state of "two lows and three noes", that is, the number of people who established accounts accounted for a low proportion of the number of people who participated in the basic old-age insurance, and the number of people who paid accounts accounted for a low proportion of the number of people who established accounts; The supply of products is uneven, the purchase channels are not smooth, and the residents’ willingness to participate in insurance is not strong.

　　"Except for some people who can enjoy tax incentives, the advantages of products and financial services in the pilot of the personal pension system are not obvious, and there is almost no difference between personal pension products and other personal commercial pension financial products outside the system." Cao Deyun said that the personal pension system should continue to attract residents to participate, and the key is whether products and services can be recognized by residents. At present, the design of personal pension products needs to strengthen the endowment property, and the capital investment operation must withstand the long-term test of the market.

　　Product supply should be more precise. Bai Tao, chairman of China Life Insurance (Group) Company, believes that as the "third pillar" of the pension system, the number of individual pension accounts has increased rapidly, but the payment situation after opening accounts is far from what expected. Among them, products are not attractive enough, it is more complicated for individuals to directly operate pension accounts, and policy incentives need to be improved.

　　"For example, after the establishment of an individual pension account, you have to pay a 3% tax when you receive it. Can you consider further tax reduction and exemption for low-income people? For another example, now about 650 products are scattered in different platforms, including savings, insurance, wealth management and funds. Many people are not very clear about the risks and benefits of products. Can they provide more accurate products for different risk preferences and different age groups? " Bai Tao said.

　　Products should be more abundant. Fu Fan, president of China Pacific Insurance (Group) Co., Ltd. said that to implement the strategy of actively responding to the aging population, it is necessary to develop a multi-level and multi-pillar endowment insurance system. At present, China’s pension scale accounts for about 10% of GDP, far below the level of developed countries, and there is still much room for improvement. Let the old-age finance support the old-age service, it is necessary to form a "product — Service — A virtuous circle of investment.

　　Fu Fan suggested that personal pension products should be further enriched, especially the protection products such as serious illness, nursing and disability should be actively expanded. At the same time, we will strengthen the encouragement and support for the "docking of production and care", add some preferential tax policies for pension financial products that are docked with medical, pension, nursing and other service resources, and allow the sharing of resources in the same industry or across industries.

　　Financial institutions actively promote

　　Reation Wu, a professor in the Department of Social Work and Social Policy at Nankai University, said that under the background of rapid aging in China, it is increasingly important to develop the "third pillar" of the pension system. Especially for middle-aged people and young people, personal pension is an important means to optimize the intertemporal allocation of personal lifetime income. Compared with other financial products, the system and product design of personal pension should highlight the characteristics of "low investment and long-term protection".

　　It is worth noting that many financial institutions have stepped up their services to popularize relevant knowledge for customers and provide more quality products.

　　The reporter learned from China Industrial and Commercial Bank that in the pilot area, the grassroots institutions at all levels of the bank actively entered various government and enterprise institutions, and took the initiative to do a good job in financial services for online and offline account opening, deposit and investment of personal pension business; In non-pilot areas, the bank also carried out warm-up publicity around individual pension accounts, and provided customers with policy advice, business handling conditions and other answering services in various ways. Judging from the effect, most residents responded positively, especially paying attention to "special tax deduction and tax saving cases" and "products that can be invested after deposit", and will conduct detailed consultation, and will also ask banks to predict the specific tax saving amount and the income of products purchased after deposit.

　　"We have a local company with over 200 employees. The person in charge of the enterprise is very interested in the personal pension policy, so please let us give a detailed explanation for the employees of the enterprise. After careful preparation, we went to the door to preach, and the atmosphere was warm. The ratio of employees booking personal pension services on the spot reached over 60%. Today, the employee appointment service rate of this enterprise exceeds 90%, and the personal pension business service is being recognized by more people. " Gong Weimin, president of China Industrial and Commercial Bank Shandong Zibo High-tech Sub-branch, said.

　　According to the relevant person in charge of the personal finance department of China Construction Bank, since the personal pension business was piloted, CCB has taken the personal pension account as an important starting point for serving the individual pension customers. Carry out several rounds of policy interpretation and training internally, so that account managers can correctly understand the advantages of pension accounts and mainly face customers; Adhere to the combination of online and offline, normalization and dynamics, and carry out various forms of policy and product promotion.

　　"We took the lead in opening a personal pension fund account, depositing funds, investing in transactions and receiving tax returns, and continuously improved the user experience. Customers can open an account in our bank in less than 1 minute through online channels such as mobile banking and small programs. In addition, relying on the professional advantages of great wealth management, CCB has launched three tools, namely, pension planning, tax preference calculator and pension calculator, and built a shelf for pension products through internal introduction and external communication, and launched ‘ A 10% discount on the Y share of the fund ’ , to provide customers with ‘ Education for the aged — Pension planning — Asset allocation — Product optimization — Long-term companionship ’ One-stop service. " The person in charge said.

　　Reation Wu suggested that in order to speed up the development of the "third pillar" of old-age care, it is necessary to further improve the flexibility of personal pension products, especially to reduce the cost of customers in cases of "emergency withdrawal", "interruption of payment" and "transfer and connection". At the same time, explore the establishment of a conversion mechanism between different personal pension products. "Highlighting the characteristics and distinguishing between personal pension and other financial savings products are the focus of the next work." She said.

On July 15, Toyota launched the new crown product globally, and the first model will be sold at FAW Toyota dealerships starting from the second half of this year.

Classic blooms new light

The Crown was born in 1955 in the last century. It is the first mass-produced advanced passenger car model bred by Toyota using unique Japanese domestic technology. In the long history of 67 years, the generation of Crown products has gained a full reputation in China and become a unique classic in people’s minds.

First generation crown

In 1964, Crown made its debut at the Canton Fair and entered China for the first time. In 1983, the seventh-generation Crown was introduced into China in batches. In the early days of reform and opening up, owning a Crown sedan became the pursuit and belief of people’s high-quality travel life.

In 2005, Crown achieved localization in FAW Toyota and quickly occupied the high-end car market, with a market share of more than 30%. The refined, high-end and luxurious quality and image of the Crown sedan endow people with not only the comfort of driving, but also the respect of identity; owning a Crown sedan reflects not only self-achievement, but also a crowning of life.

Twelfth generation crown

The two crown products currently on sale by FAW Toyota are the luxury MPV Crown Weifa and the medium and large luxury SUV Crown Lufang. The two products are always in short supply in the market, fully demonstrating the market competitiveness of the new crown and its popularity in the eyes of users. They have become the vanguard and development moat that leads the FAW Toyota brand upward.

"New Crown" explains "Innovation and Challenge"

As the first flagship model developed by Toyota alone, "innovation and challenge" has become the DNA of Crown, and this gene has been well passed down in Crown’s successive models; it is also by virtue of "always one step ahead of the times", "always pursuing new values and characters", "always carrying the latest technology and style continuous improvement", Crown has won wide favor among consumers in the countries and regions where it is sold.

In order to fully meet the diverse characteristics and needs of today’s users, in the development of this "new crown", Toyota once again identified "innovation and challenge" as the guiding ideology, and mobilized all the staff of product planning, design and other projects to discuss "what is the crown of the new era". Finally, on the traditional way of "SEDAN" or "FR", the pursuit of bold breakthroughs and models with "new era crown characteristics" came into being.

At present, thanks to the steady improvement of the economy, China’s consumption upgrading trend is obvious, and the comprehensive renewal of the Crown brand can be described as opportune; and in the new era of younger user structure, the highly disruptive new Crown will surely bring infinite surprises to young Chinese consumers, so that the accumulated deep "Crown feelings" will take root in the hearts of young people.

Tang Kun (Photo courtesy of the interviewee)

CCTV News:"Young people have the right to sexual and reproductive health." As soon as he saw Tang Kun, he talked to reporters about the topic of "youth health education" without any guidance from reporters.

As a post-80s young teacher, Tang Kun has been paying attention to the field of adolescent sexual and reproductive health for 15 years. In his words, this field has changed his life track.

The rights of young people

In 1994, the Programme of Action was released at the International Conference on Population and Development (ICPD) held in Cairo, in which it was mentioned: "The social action for adolescents’ reproductive health needs should be to provide information to help them grow up and make responsible decisions. In particular, teenagers should be provided with information and services that can help them understand their own sexual characteristics … …”

Since the ICPD 24 years ago, great progress has been made in reproductive health and rights on a global scale. At present, China’s population and family planning work has shifted from population control to total regulation, quality improvement and structural optimization, and has entered a new era of "encouraging birth according to policies and promoting long-term balanced population development". People get more information about their reproductive rights and choices, and more ability to defend their rights, including teenagers.

"Youth health education, young people are more sharing and participating, and even leading." Tang Kun said that this is a question about choice and rights, and this youth cause is very important. At present, the number of induced abortions in China is about 9 million every year, and the trend of younger induced abortions is becoming more and more serious. Tang Kun said: "Youth health education focuses on teenagers’ comprehensive sexual and reproductive health, from the confusion of adolescence to the confusion of interpersonal communication, from the decision of sexual behavior to how to prevent the spread of AIDS … …”

Teenagers are the subjects of providing health services, not just the objects. "Health services should aim at satisfying clients, not just looking at statistics. It needs to meet the needs of the group to know, not mandatory, and the communication effect is very important. " Tang Kun said that this is his deepest experience in doing youth health education in recent years.

China youth network with Youth Participation

Tang Kun actively participates in disease prevention and popular science work (Photo courtesy of the interviewee)

On World AIDS Day in 2002, Tang Kun, a sophomore and president of the Student Union of Peking University Basic Medical College, led a volunteer team to ditan hospital to publicize how to prevent and treat AIDS. "At that time, many people came to watch. A young man pushed a bicycle to come over and asked what he was doing outside the crowd. When he heard that it was propaganda to prevent AIDS, he immediately pushed the bicycle and ran away." Tang Kun said that he still remembers the left figure. "The core of young people’s right to sexual and reproductive health is not only how to enjoy it, but more importantly, how to exercise it."

In mid-2004, a national youth organization — — China youth network was founded under the initiative and organization of China Family Planning Association (CFPA). Tang Kun has become one of the most active members of this youth organization. "Youth participation" is to let young people participate in his own sexual and reproductive health work, projects and practices.

"I was confused at first. As a young man, how can I effectively participate in it?" Tang Kun said that the World AIDS Conference held in Thailand in 2004 made him suddenly enlightened. It was the first large-scale international conference he attended on behalf of the youth network. At that meeting, he saw the features of young people from all over the world, who stood at the forefront of advocating young people’s sexual and reproductive health rights and preventing AIDS. "I am very excited, and my horizons are broadened at once. By looking at booths and posters in different countries and watching the activities of young people in different countries, we can also do a lot of things to speak on behalf of young people in China! "

After returning, Tang Kun joined the students in the youth network to go to school and enter the community to spread the prevention, scientific research and treatment of AIDS and provide health services for young people. "Sex education is not a physical health class. Comprehensive sex and reproductive health education is to tell young people to keep a positive outlook on life, face the relationship between the sexes correctly and how to overcome peer pressure. Let them also participate in designing these contents. " Through continuous efforts and attempts, china youth network has not only launched a series of various and effective youth health intervention projects in China, but also shared China’s experience with young people in other countries. Since then, the World AIDS Conference has become a position for china youth network to show the confidence and determination of young people in China to prevent AIDS. Up to now, setting up a booth for young people in China at the World AIDS Conference has become a fixed project of the youth network. At every conference, you can see the beautiful elegance of young people in China who advocate AIDS prevention.

Collect "evidence" of youth health education

Tang Kun Data Map (Photo courtesy of the interviewee)

In 2007, Tang Kun gave up his previous choice — — Peking University’s eight-year doctor of basic medicine. After getting my undergraduate degree, I applied for the global health direction of Harvard University. "Being a doctor was my dream before college, and participating in china youth network changed my later study track and even my life track." After studying for a master’s degree in population and international health at Harvard, Tang Kun went to Oxford to study for a doctorate in epidemiology.

"As a public health practitioner, when designing a project (service), if there is no participation of the client, that is, young people, you don’t know what his needs are? On the one hand, this is the embodiment of rights. On the other hand, it is possible to provide them with better services by listening to the voices of young people and treating them as partners. "

In a class on health system at Harvard, the lecturer was the former health minister of Mexico. He told the young students in the audience that his dream from his youth was to make a developing country like Mexico enjoy health services for all. This deeply touched Tang Kun. His study and research abroad made him more systematically realize the integration of research methods and practice. And his ultimate goal is to return to the motherland and serve the young people in China.

"The research and dissemination of adolescent sexual and reproductive health is more based on experience and lacks evidence." After returning to China after graduating from Ph.D., Tang Kun and the China Family Planning Association jointly launched the Survey on Sexual and Reproductive Health of China University. Through the method of online questionnaire survey, 18,000 college students aged 18-25 registered in Chinese mainland universities were surveyed, covering more than 130 universities in China. Through data analysis, the best practice working mode of youth health is summarized, which provides evidence-based research evidence for youth health education.

In mid-October 2018, Tang Kun was hired as a member of the Expert Advisory Committee on Child Health Indicators of the World Health Organization. In the next two years, together with 11 members from other countries, he will set monitoring indicators for global child health and provide evidence support and policy suggestions for the global realization of sustainable development goals related to child health.

Choice is changing individuals, families, countries and the whole world, and it will continue to change all this. Tang Kun said that his every choice seems to be inseparable from the youth group, and he hopes to become an epidemiologist in this field. (Text/Zhang Ke Yi Respondent/Tang Kun Tsinghua University Young Teacher)

At the foot of Ta ‘er Mountain in the south of Shanxi Province, Wang Le inherited his father’s agricultural machinery career and made a fuss with his father in the farmland.

　　"007" is the serial number of the local demonstration service organization of specialized unified prevention and control of Yi Nong Cooperative, of which Wang Le is a member. He knows all kinds of agricultural machinery like the palm of his hand, and cooperates with the "land trusteeship" method promoted by the local government to adapt the new agricultural production relations and boost modern agricultural productivity, thus realizing large-scale planting. While developing the grass-roots rural collective economy and increasing farmers’ income, the problems of "who will plant the land", "how to plant the land well" and "how to increase the benefits" have been solved.

　　In the wave of agricultural modernization, with the development of agricultural mechanization, new farmers like Wang Le injected new vitality into modern agriculture, and they wrote new hopes in the vast fields.

　　Reporter: Yuan Xun, Xue Ningjing

　　Reporter: You Zhiang, Li Zhuangzhuang, Qin Xiuyu, Sun Shiqi, Tian Jingjing, Liu Mengyue, Tian Haolin.