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
王者西施享受还流着什么:尽享无限精彩与独特观影体验!
随机图片

王者西施享受还流着什么:尽享无限精彩与独特观影体验!

更新时间: 浏览次数: 311

400电话:123456(点击咨询)
王者西施享受还流着什么:尽享无限精彩与独特观影体验!各观看免费《今日汇总》
王者西施享受还流着什么:尽享无限精彩与独特观影体验!各热线观看免费2025已更新(2025已更新)








王者西施享受还流着什么:尽享无限精彩与独特观影体验!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








王者西施享受还流着什么:尽享无限精彩与独特观影体验!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




王者西施享受还流着什么:尽享无限精彩与独特观影体验!各区点热线观看免费《今日发布》
Random Image 王者西施享受还流着什么:尽享无限精彩与独特观影体验!电话








7天观看免费人工电话为您、王者西施享受还流着什么:尽享无限精彩与独特观影体验!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,








王者西施享受还流着什么:尽享无限精彩与独特观影体验!各观看免费《今日汇总》2025已更新(今日/推荐)








王者西施享受还流着什么:尽享无限精彩与独特观影体验!电话区域:








荆州市(沙市区、松滋市、江陵县、石首市、监利市、公安县、荆州区、洪湖市)








金华市(婺城区、兰溪市、义乌市、金东区、东阳市、永康市、磐安县、浦江县、武义县)








呼和浩特市(回民区、托克托县、新城区、土默特左旗、赛罕区、清水河县、武川县、和林格尔县、玉泉区)








烟台市(招远市、蓬莱区、芝罘区、牟平区、栖霞市、莱州市、莱阳市、海阳市、福山区、龙口市、莱山区)  铜陵市(铜官区、义安区、枞阳县、郊区)








新疆维吾尔自治区








河源市(和平县、东源县、源城区、连平县、龙川县、紫金县)








攀枝花市(仁和区、盐边县、东区、米易县、西区)威海市(环翠区、文登区、荣成市、乳山市)








普洱市(墨江哈尼族自治县、镇沅彝族哈尼族拉祜族自治县、景谷傣族彝族自治县、西盟佤族自治县、澜沧拉祜族自治县、景东彝族自治县、思茅区、江城哈尼族彝族自治县、孟连傣族拉祜族佤族自治县、宁洱哈尼族彝族自治县)  呼伦贝尔市(新巴尔虎左旗、根河市、海拉尔区、阿荣旗、鄂伦春自治旗、扎兰屯市、新巴尔虎右旗、莫力达瓦达斡尔族自治旗、鄂温克族自治旗、陈巴尔虎旗、满洲里市、牙克石市、扎赉诺尔区、额尔古纳市)








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








随州市(广水市、随县、曾都区)








海东市(乐都区、民和回族土族自治县、平安区、化隆回族自治县、互助土族自治县、循化撒拉族自治县)








巴中市(恩阳区、巴州区、南江县、平昌县、通江县)








营口市(盖州市、西市区、老边区、鲅鱼圈区、站前区、大石桥市)








喀什地区(叶城县、麦盖提县、岳普湖县、伽师县、英吉沙县、巴楚县、泽普县、莎车县、喀什市、疏勒县、疏附县、塔什库尔干塔吉克自治县)








大庆市(肇源县、肇州县、龙凤区、杜尔伯特蒙古族自治县、红岗区、让胡路区、大同区、林甸县、萨尔图区)








盘锦市(双台子区、盘山县、大洼区、兴隆台区)








平顶山市(石龙区、汝州市、卫东区、郏县、宝丰县、湛河区、新华区、舞钢市、叶县、鲁山县)








唐山市(迁安市、曹妃甸区、滦南县、古冶区、遵化市、路北区、路南区、迁西县、丰南区、乐亭县、开平区、玉田县、丰润区、滦州市)








朔州市(朔城区、平鲁区、右玉县、怀仁市、应县、山阴县)








沧州市(运河区、青县、海兴县、肃宁县、河间市、盐山县、新华区、吴桥县、东光县、献县、沧县、黄骅市、泊头市、任丘市、南皮县、孟村回族自治县)








安康市(紫阳县、汉滨区、宁陕县、平利县、镇坪县、白河县、汉阴县、岚皋县、石泉县、旬阳市)








通化市(辉南县、东昌区、集安市、柳河县、二道江区、梅河口市、通化县)








桂林市(雁山区、资源县、恭城瑶族自治县、龙胜各族自治县、兴安县、平乐县、灵川县、荔浦市、灌阳县、象山区、全州县、叠彩区、七星区、临桂区、秀峰区、永福县、阳朔县)








石嘴山市(平罗县、惠农区、大武口区)








龙岩市(漳平市、上杭县、永定区、武平县、连城县、新罗区、长汀县)








常州市(钟楼区、新北区、武进区、金坛区、天宁区、溧阳市)








中山市
400电话:123456(点击咨询)
王者西施享受还流着什么:尽享无限精彩与独特观影体验!各观看免费《今日汇总》《今日发布》
王者西施享受还流着什么:尽享无限精彩与独特观影体验!各观看免费《今日汇总》(2025已更新)








王者西施享受还流着什么:尽享无限精彩与独特观影体验!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








王者西施享受还流着什么:尽享无限精彩与独特观影体验!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




王者西施享受还流着什么:尽享无限精彩与独特观影体验!各观看免费《今日汇总》【2025已更新列表】
王者西施享受还流着什么:尽享无限精彩与独特观影体验!电话








7天观看免费人工电话为您、王者西施享受还流着什么:尽享无限精彩与独特观影体验!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,








王者西施享受还流着什么:尽享无限精彩与独特观影体验!中心2025已更新(今日/推荐)








王者西施享受还流着什么:尽享无限精彩与独特观影体验!电话区域:








邢台市(南宫市、宁晋县、平乡县、临西县、临城县、广宗县、威县、南和区、巨鹿县、内丘县、新河县、清河县、隆尧县、信都区、任泽区、沙河市、柏乡县、襄都区)








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








清远市(清城区、清新区、阳山县、英德市、连南瑶族自治县、连山壮族瑶族自治县、佛冈县、连州市)








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








钦州市(钦北区、钦南区、灵山县、浦北县)








娄底市(新化县、娄星区、双峰县、冷水江市、涟源市)








长沙市(望城区、开福区、岳麓区、雨花区、浏阳市、长沙县、宁乡市、芙蓉区、天心区)厦门市(海沧区、同安区、思明区、集美区、翔安区、湖里区)








通辽市(扎鲁特旗、开鲁县、霍林郭勒市、科尔沁区、库伦旗、奈曼旗、科尔沁左翼中旗、科尔沁左翼后旗)  乌鲁木齐市(沙依巴克区、达坂城区、水磨沟区、乌鲁木齐县、米东区、新市区、天山区、头屯河区)








安庆市(潜山市、桐城市、迎江区、宿松县、望江县、宜秀区、怀宁县、大观区、太湖县、岳西县)








庆阳市(庆城县、正宁县、西峰区、华池县、合水县、环县、镇原县、宁县)








揭阳市(揭西县、惠来县、榕城区、普宁市、揭东区)日照市(东港区、五莲县、莒县、岚山区)








西安市(新城区、雁塔区、灞桥区、周至县、蓝田县、鄠邑区、碑林区、长安区、高陵区、莲湖区、阎良区、未央区、临潼区)








张家口市(张北县、沽源县、蔚县、尚义县、赤城县、崇礼区、桥西区、怀来县、涿鹿县、桥东区、阳原县、万全区、怀安县、宣化区、康保县、下花园区)








那曲市(申扎县、聂荣县、尼玛县、巴青县、比如县、安多县、嘉黎县、色尼区、索县、班戈县、双湖县)








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








宜宾市(筠连县、南溪区、屏山县、长宁县、叙州区、翠屏区、江安县、高县、兴文县、珙县)








文山壮族苗族自治州(马关县、丘北县、富宁县、砚山县、广南县、麻栗坡县、文山市、西畴县)








中卫市(海原县、中宁县、沙坡头区)








忻州市(岢岚县、定襄县、五寨县、原平市、五台县、代县、宁武县、偏关县、静乐县、河曲县、忻府区、神池县、繁峙县、保德县)








塔城地区(沙湾市、裕民县、托里县、乌苏市、和布克赛尔蒙古自治县、塔城市、额敏县)








资阳市(雁江区、乐至县、安岳县)








双鸭山市(尖山区、饶河县、宝清县、友谊县、宝山区、四方台区、岭东区、集贤县)








滨州市(博兴县、沾化区、无棣县、邹平市、惠民县、滨城区、阳信县)








固原市(原州区、彭阳县、隆德县、泾源县、西吉县)








天津市(东丽区、西青区、静海区、北辰区、滨海新区、宝坻区、津南区、宁河区、河西区、南开区、蓟州区、红桥区、河北区、武清区、河东区、和平区)








长治市(武乡县、长子县、襄垣县、壶关县、沁县、屯留区、黎城县、潞城区、上党区、潞州区、沁源县、平顺县)








贵阳市(乌当区、云岩区、花溪区、息烽县、白云区、观山湖区、清镇市、开阳县、修文县、南明区)

  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。

新闻结尾 王者西施享受还流着什么:尽享无限精彩与独特观影体验!的相关文章
【星铁整活】生活终于步入正轨了🙂
特朗普暗示或降低对华关税:民众快消费不起了
村民给狗办满月宴,当地政府:违背道德良俗,已约谈
明查|俄罗斯征兵部门突袭澡堂抓捕壮丁?
工程师如何在海上建国?【神奇组织29】
两日内连续施压,特朗普再次喊话美联储降息,特朗普为什么着急让美联储降息?美联储又为何选择暂时不降息?
  • 友情链接:
  • 16岁奥数天才坠楼去世 SEER 禁止中国用户使用 刘国梁给孙颖莎颁奖上演摸头杀 用户称被冒用身份证异地办卡申请注销遭拒,澎湃介入后邯郸联通着手办理剥离

    查看更多评价 ∨