Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82
女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!
随机图片

女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!

更新时间: 浏览次数: 306

400电话:123456(点击咨询)
女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!各观看免费《今日汇总》
女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!各热线观看免费2025已更新(2025已更新)








女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!各区点热线观看免费《今日发布》
Random Image 女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!电话








7天观看免费人工电话为您、女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!团队在调度中心的统筹调配下,线下专业及各地区人员团队等专属,整个报修流程规范有序,后期同步跟踪查询公开透明。








所有团队均经过专业培训、持证上岗,所用产品配件均为原厂直供,








女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!各观看免费《今日汇总》2025已更新(今日/推荐)








女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!电话区域:








马鞍山市(花山区、当涂县、博望区、和县、雨山区、含山县)








衡阳市(耒阳市、祁东县、石鼓区、珠晖区、衡阳县、常宁市、蒸湘区、衡南县、衡山县、衡东县、南岳区、雁峰区)








德阳市(绵竹市、中江县、什邡市、旌阳区、罗江区、广汉市)








咸宁市(咸安区、通城县、崇阳县、通山县、赤壁市、嘉鱼县)  衡水市(景县、安平县、深州市、武强县、枣强县、桃城区、武邑县、故城县、饶阳县、阜城县、冀州区)








朝阳市(朝阳县、北票市、凌源市、喀喇沁左翼蒙古族自治县、双塔区、建平县、龙城区)








娄底市(涟源市、新化县、双峰县、冷水江市、娄星区)








临夏回族自治州(康乐县、临夏县、积石山保安族东乡族撒拉族自治县、广河县、永靖县、东乡族自治县、和政县、临夏市)








济源市  惠州市(惠阳区、博罗县、惠东县、惠城区、龙门县)








鹰潭市(月湖区、贵溪市、余江区)








吴忠市(青铜峡市、利通区、红寺堡区、同心县、盐池县)








襄阳市(保康县、南漳县、襄州区、樊城区、谷城县、枣阳市、宜城市、襄城区、老河口市)








石嘴山市(大武口区、惠农区、平罗县)








济宁市(鱼台县、嘉祥县、兖州区、金乡县、微山县、任城区、邹城市、梁山县、泗水县、汶上县、曲阜市)








六安市(叶集区、金安区、霍邱县、舒城县、金寨县、霍山县、裕安区)








金昌市(金川区、永昌县)








常德市(澧县、桃源县、武陵区、汉寿县、临澧县、安乡县、鼎城区、津市市、石门县)








铜陵市(枞阳县、义安区、郊区、铜官区)








林芝市(巴宜区、工布江达县、波密县、察隅县、米林市、朗县、墨脱县)








阜阳市(颍泉区、界首市、颍州区、颍上县、颍东区、太和县、临泉县、阜南县)








临沂市(罗庄区、平邑县、沂南县、临沭县、蒙阴县、沂水县、莒南县、费县、兰山区、兰陵县、河东区、郯城县)








铜川市(宜君县、王益区、耀州区、印台区)








遂宁市(安居区、射洪市、蓬溪县、大英县、船山区)








邵阳市(新邵县、洞口县、武冈市、邵阳县、城步苗族自治县、邵东市、大祥区、新宁县、双清区、北塔区、绥宁县、隆回县)








阿克苏地区(沙雅县、拜城县、柯坪县、库车市、新和县、温宿县、乌什县、阿瓦提县、阿克苏市)








连云港市(赣榆区、东海县、连云区、灌南县、灌云县、海州区)








临沧市(临翔区、镇康县、永德县、云县、耿马傣族佤族自治县、沧源佤族自治县、凤庆县、双江拉祜族佤族布朗族傣族自治县)








普洱市(江城哈尼族彝族自治县、澜沧拉祜族自治县、墨江哈尼族自治县、镇沅彝族哈尼族拉祜族自治县、景东彝族自治县、景谷傣族彝族自治县、孟连傣族拉祜族佤族自治县、思茅区、宁洱哈尼族彝族自治县、西盟佤族自治县)
400电话:123456(点击咨询)
女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!各观看免费《今日汇总》《今日发布》
女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!各观看免费《今日汇总》(2025已更新)








女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!各观看免费《今日汇总》【2025已更新列表】
女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!电话








7天观看免费人工电话为您、女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!团队在调度中心的统筹调配下,线下专业及各地区人员团队等专属,整个报修流程规范有序,后期同步跟踪查询公开透明。








所有团队均经过专业培训、持证上岗,所用产品配件均为原厂直供,








女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!中心2025已更新(今日/推荐)








女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!电话区域:








齐齐哈尔市(昂昂溪区、铁锋区、碾子山区、建华区、泰来县、克山县、甘南县、富裕县、梅里斯达斡尔族区、龙沙区、依安县、讷河市、拜泉县、富拉尔基区、龙江县、克东县)








宜春市(袁州区、靖安县、上高县、万载县、宜丰县、铜鼓县、樟树市、高安市、丰城市、奉新县)








伊犁哈萨克自治州(霍城县、察布查尔锡伯自治县、尼勒克县、奎屯市、特克斯县、霍尔果斯市、巩留县、伊宁县、昭苏县、新源县、伊宁市)








克孜勒苏柯尔克孜自治州(阿克陶县、乌恰县、阿合奇县、阿图什市)  长治市(沁源县、武乡县、屯留区、平顺县、潞州区、襄垣县、沁县、潞城区、上党区、长子县、壶关县、黎城县)








周口市(商水县、川汇区、太康县、扶沟县、沈丘县、项城市、郸城县、淮阳区、鹿邑县、西华县)








信阳市(浉河区、商城县、罗山县、新县、光山县、息县、淮滨县、潢川县、平桥区、固始县)








常州市(钟楼区、天宁区、金坛区、溧阳市、新北区、武进区)武汉市(武昌区、硚口区、汉南区、新洲区、蔡甸区、江汉区、江岸区、洪山区、黄陂区、东西湖区、青山区、汉阳区、江夏区)








锦州市(凌河区、北镇市、义县、凌海市、古塔区、太和区、黑山县)  曲靖市(宣威市、麒麟区、师宗县、马龙区、会泽县、沾益区、陆良县、富源县、罗平县)








北京市(延庆区、昌平区、密云区、海淀区、东城区、顺义区、房山区、大兴区、门头沟区、朝阳区、怀柔区、石景山区、平谷区、西城区、通州区、丰台区)








丽江市(古城区、华坪县、永胜县、玉龙纳西族自治县、宁蒗彝族自治县)








包头市(东河区、达尔罕茂明安联合旗、九原区、白云鄂博矿区、石拐区、昆都仑区、固阳县、青山区、土默特右旗)桂林市(平乐县、永福县、全州县、临桂区、阳朔县、龙胜各族自治县、雁山区、秀峰区、灵川县、象山区、七星区、灌阳县、叠彩区、荔浦市、兴安县、资源县、恭城瑶族自治县)








石河子市(铁门关市、图木舒克市、可克达拉市、白杨市、新星市、昆玉市、阿拉尔市、北屯市、双河市、五家渠市、胡杨河市)








宁夏回族自治区








鸡西市(麻山区、滴道区、密山市、鸡冠区、鸡东县、恒山区、梨树区、城子河区、虎林市)








抚州市(崇仁县、东乡区、金溪县、广昌县、资溪县、乐安县、黎川县、临川区、南丰县、南城县、宜黄县)








韶关市(武江区、仁化县、浈江区、新丰县、始兴县、乐昌市、乳源瑶族自治县、翁源县、曲江区、南雄市)








揭阳市(揭东区、惠来县、揭西县、普宁市、榕城区)








亳州市(谯城区、蒙城县、利辛县、涡阳县)








德州市(乐陵市、临邑县、平原县、陵城区、武城县、宁津县、禹城市、齐河县、庆云县、德城区、夏津县)








武威市(民勤县、天祝藏族自治县、古浪县、凉州区)








开封市(兰考县、龙亭区、通许县、顺河回族区、禹王台区、杞县、祥符区、鼓楼区、尉氏县)








儋州市








晋城市(陵川县、沁水县、城区、泽州县、阳城县、高平市)








广西壮族自治区








嘉兴市(桐乡市、平湖市、秀洲区、南湖区、海宁市、嘉善县、海盐县)








怀化市(麻阳苗族自治县、靖州苗族侗族自治县、新晃侗族自治县、会同县、中方县、溆浦县、辰溪县、沅陵县、洪江市、芷江侗族自治县、鹤城区、通道侗族自治县)








厦门市(海沧区、翔安区、思明区、集美区、同安区、湖里区)

  据美国《华尔街日报》4月22日报道,为进一步削减成本,波音已同意以105.5亿美元的全现金交易出售其部分数字航空解决方案业务。

  波音公司于22日表示,已同意以全现金交易的方式将其数字航空解决方案业务出售给美国一家私募股权公司ThomaBravo,包括提供导航产品和软件的子公司杰普逊,以及航空导航应用程序ForeFlight。

  报道称,此举是波音公司为削减成本和筹集资金做出的最新努力,因为该公司每个季度消耗数十亿美元,并且在努力应对近年来一系列安全丑闻引发的质量危机。波音去年亏损了140亿美元,预计亏损将持续到今年,大规模亏损迫使波音公司急切地寻找额外的资金来源。

  波音公司首席执行官凯利·奥特伯格去年表示,他将裁员1.7万人,以维持公司的运转。他表示,高管们一直在探索资产出售的方式,这些资产可以带来公司急需的现金,同时剥离非核心或表现不佳的部门,他将这种方法描述为“修剪”公司的投资组合,而不是进行全面改革。

  外媒分析认为,此次出售对波音来说可谓喜忧参半。它提供了公司急需的现金,但鉴于杰普逊公司是可以盈利的,此举可能会牺牲长期利润。

  

  个人养老金制度出台已满三年。

  2022年4月21日,国务院办公厅印发《关于推动个人养老金发展的意见》(以下简称《意见》),提出推动发展适合中国国情、政府政策支持、个人自愿参加、市场化运营的个人养老金,实现养老保险补充功能。

  自个人养老金制度试点以来,个人养老金保险产品不断扩容,保通社梳理发现,截至目前,保险类在售产品114款,其中,专属商业养老保险、分红型、万能型的浮动收益类保险产品数量超50款,占在售产品总数近五成。

  业内人士在与记者交流时表示,浮动收益类产品可以通过分红等方式,增厚客户收益,是监管鼓励的方向,对于投资能力较强的公司而言,在此类产品的探索上更具优势。

  2024年12月,人力资源和社会保障部(以下简称“人社部”)等五部门发布《关于全面实施个人养老金制度的通知》(以下简称《通知》)。根据《通知》,2024年12月15日起,个人养老金制度从36个先行试点城市(地区)推广至全国。

  这项制度设计出炉至今已三年,个人养老金产品数量、种类不断丰富,账户开户人数不断增加。人社部数据显示,截至2024年11月末,已有7279万人开通个人养老金账户。

  作为个人养老金产品的重要组成部分,近年来,保险类产品数量扩容明显。国家社会保险公共服务平台显示,截至2023年4月21日,个人养老金专项产品共计1013款,其中保险类产品数量有225款,占比已超过两成。

  中国银保信数据则显示,目前在售的个人养老金保险产品有114款,其中,中国人寿产品数量最多,有12款产品在售,此外,太保寿险、人保寿险、国民养老目前均有9款产品在售。

  从产品类型来看,保险公司积极推出了多种个人养老金保险产品,两全保险和年金保险为固定收益型产品,此外还有浮动收益类的万能、分红型产品,专属商业养老保险提供稳健型、进取型两种不同的投资组合,同时设有保证利率,也属于浮动收益类产品。

  保通社注意到,从数量上来看,目前专属商业养老保险、万能型和分红型的年金保险和两全保险,合计数量为53款,占比接近五成。

  从公司来看,泰康养老、中意人寿、建信人寿、泰康人寿、大都会人寿推出的产品均为浮动收益类,此外,中国人寿、太保寿险、人保寿险、中信保诚人寿、新华人寿、新华养老、平安人寿的浮动收益类产品占比在50%及以上。

  在低利率市场环境下,浮动收益类保险产品具有一定保证利率的同时,目前结算利率水平在一众养老理财产品中吸引力凸显。以专属商业养老保险产品收益为例,记者统计显示,稳健账户2024年结算利率在2.5%~4.07%的区间,进取账户2024年结算利率在2%~4.12%的区间。

  “开户热、缴存冷”,是个人养老金账户在发展中需要应对的问题。有保险机构人士在与保通社交流时认为,这一现象的原因在于“个人养老金账户开户完成后,银行并没有做配置产品的引导,包括养老规划和产品选择方面”。

  上述《通知》提出,金融机构依法依规开展个人养老金投资咨询服务,根据个人投资风险偏好和年龄等特点,推荐适当的个人养老金产品。鼓励金融机构在与参加人协商一致的情况下,探索开展默认投资服务。

  对此,该机构人士表示,默认投资服务的前提是委托关系,以及默认推荐的组合跟客户需求的匹配性,此外还有客户未来的需求会不会发生变化,这些权责都要理清楚。

  此外,客户买入个人养老金产品之后亏钱,也可能导致缴存减少或者不再缴存的情况。在业内人士看来,从个人养老金制度实施以来的情况看,储蓄产品数量最多,被追求安全性的人群所钟爱;基金产品良莠不齐,风险较大,适合较为激进的人群选择;而保险产品无论是收益还是保障都是最好的。

  今年全国两会期间,全国政协委员、对外经贸大学教授孙洁在接受媒体采访时表示,个人养老金投资期限应以中长期为主,但目前市面上的个人养老金产品以银行储蓄和理财类产品居多,占比超过五成,产品同质化现象严重,并且基金、理财产品大多是1至5年的短期产品。在利率下行、优质资产供给不足的背景下,亟需具有养老金管理经验的金融机构创新开发更多提供中长期稳健收益的养老金融产品。

  在其看来,对比各类养老金融产品,唯有养老年金保险的领取时间可以延长至终身,即终身给付型养老年金保险,让参与者每年可以领取一笔确定的养老金。不过,这种设计也给保险公司带来了较大的长寿风险,还需要建立长寿风险转移和分散机制。

  平安养老险相关负责人在近期的媒体交流会上表示,预计未来几年,国家将继续出台更多支持第三支柱发展的政策,包括税收优惠、市场准入、监管标准和投资范围等方面。个人养老金账户的税收优惠政策进一步优化,以吸引更多人参与;新业务试点和新产品准入主体将逐步放开,产品和服务供给将更加丰富。

  “在政策支持下,养老金融产品的种类将更加丰富,产品设计将更加注重长期性、稳健性和普惠性,以满足不同人群的养老需求。创新方向上,将更具针对性和精细化,会更加关注不同人群在积累期、领取期、风险偏好、流动性、附加服务等方面的差异化需求。”该负责人称。

女性半夜莲花开放的治疗方法,享受丰富多彩的在线体验与无限乐趣!的相关文章 商户曝光三河广告牌改色谈话视频的相关文章
AI 时代下的家电智能化
丹羽孝希因赌博被禁赛六个月
甲亢哥邀请卤鹅大叔去美国
国道塌陷致2死背后:已非首次塌方
祝绪丹cue李晟骄傲的叶凡
如何评价京东美团「互抢饭碗」
起床后第一件事就是看金价
男子卖1公斤黄金变现80多万
中企:别人算关税账 我们算创新账
美关税政策冲击本土车企
美国公布肯尼迪遇刺案记录
美国对部分商品免征对等关税
  • 友情链接:
  • 祝绪丹cue李晟骄傲的叶凡 安踏拟 2.9 亿美元收购狼爪 网红阿根廷奇娜父母来华奔丧 多家银行宣布下调存款利率 韩国劳动法规修订了哪些内容 谢锋:中国坚决反对任何形式的关税战 美国全面征收「对等关税」 为何世界秩序正走向崩溃 为什么赵云一定要加「常山」两个字 日本乒乓名将丹羽孝希因赌博被禁赛 多家银行宣布下调存款利率 美联储突爆大消息 今年可能降息

    查看更多评价 ∨