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
校花和校草同居,轻松获取超高人气直播间,畅享精彩内容
随机图片

校花和校草同居,轻松获取超高人气直播间,畅享精彩内容

更新时间: 浏览次数: 840

400电话:123456(点击咨询)
校花和校草同居,轻松获取超高人气直播间,畅享精彩内容各观看免费《今日汇总》
校花和校草同居,轻松获取超高人气直播间,畅享精彩内容各热线观看免费2025已更新(2025已更新)








校花和校草同居,轻松获取超高人气直播间,畅享精彩内容观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








校花和校草同居,轻松获取超高人气直播间,畅享精彩内容观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




校花和校草同居,轻松获取超高人气直播间,畅享精彩内容各区点热线观看免费《今日发布》
Random Image 校花和校草同居,轻松获取超高人气直播间,畅享精彩内容电话








7天观看免费人工电话为您、校花和校草同居,轻松获取超高人气直播间,畅享精彩内容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,








校花和校草同居,轻松获取超高人气直播间,畅享精彩内容各观看免费《今日汇总》2025已更新(今日/推荐)








校花和校草同居,轻松获取超高人气直播间,畅享精彩内容电话区域:








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








攀枝花市(米易县、仁和区、盐边县、西区、东区)








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








玉树藏族自治州(玉树市、杂多县、囊谦县、称多县、曲麻莱县、治多县)  安顺市(普定县、平坝区、关岭布依族苗族自治县、镇宁布依族苗族自治县、紫云苗族布依族自治县、西秀区)








平凉市(庄浪县、静宁县、华亭市、泾川县、灵台县、崆峒区、崇信县)








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








日喀则市(亚东县、岗巴县、白朗县、定日县、康马县、仁布县、仲巴县、昂仁县、吉隆县、南木林县、萨嘎县、江孜县、萨迦县、谢通门县、定结县、拉孜县、桑珠孜区、聂拉木县)








景德镇市(浮梁县、乐平市、昌江区、珠山区)  贵港市(港南区、平南县、桂平市、覃塘区、港北区)








赤峰市(巴林左旗、敖汉旗、红山区、元宝山区、翁牛特旗、宁城县、喀喇沁旗、巴林右旗、林西县、克什克腾旗、阿鲁科尔沁旗、松山区)








保山市(隆阳区、施甸县、龙陵县、昌宁县、腾冲市)








延边朝鲜族自治州(和龙市、汪清县、龙井市、图们市、敦化市、安图县、珲春市、延吉市)








临汾市(侯马市、蒲县、吉县、乡宁县、隰县、霍州市、浮山县、大宁县、永和县、汾西县、安泽县、古县、襄汾县、尧都区、洪洞县、翼城县、曲沃县)








阳泉市(平定县、郊区、盂县、城区、矿区)








葫芦岛市(建昌县、兴城市、南票区、连山区、龙港区、绥中县)








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








枣庄市(薛城区、市中区、峄城区、台儿庄区、滕州市、山亭区)








四平市(双辽市、铁西区、伊通满族自治县、铁东区、梨树县)








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








绵阳市(三台县、涪城区、盐亭县、梓潼县、江油市、游仙区、安州区、北川羌族自治县、平武县)








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








湛江市(廉江市、麻章区、遂溪县、霞山区、徐闻县、雷州市、吴川市、赤坎区、坡头区)








南昌市(西湖区、南昌县、新建区、青云谱区、安义县、进贤县、东湖区、青山湖区、红谷滩区)








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








阿拉善盟(阿拉善左旗、额济纳旗、阿拉善右旗)








牡丹江市(林口县、爱民区、绥芬河市、东安区、阳明区、海林市、穆棱市、宁安市、东宁市、西安区)








怒江傈僳族自治州(贡山独龙族怒族自治县、兰坪白族普米族自治县、福贡县、泸水市)








郴州市(桂阳县、资兴市、永兴县、临武县、安仁县、北湖区、宜章县、苏仙区、桂东县、汝城县、嘉禾县)
400电话:123456(点击咨询)
校花和校草同居,轻松获取超高人气直播间,畅享精彩内容各观看免费《今日汇总》《今日发布》
校花和校草同居,轻松获取超高人气直播间,畅享精彩内容各观看免费《今日汇总》(2025已更新)








校花和校草同居,轻松获取超高人气直播间,畅享精彩内容观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








校花和校草同居,轻松获取超高人气直播间,畅享精彩内容观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




校花和校草同居,轻松获取超高人气直播间,畅享精彩内容各观看免费《今日汇总》【2025已更新列表】
校花和校草同居,轻松获取超高人气直播间,畅享精彩内容电话








7天观看免费人工电话为您、校花和校草同居,轻松获取超高人气直播间,畅享精彩内容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,








校花和校草同居,轻松获取超高人气直播间,畅享精彩内容中心2025已更新(今日/推荐)








校花和校草同居,轻松获取超高人气直播间,畅享精彩内容电话区域:








绍兴市(新昌县、越城区、柯桥区、上虞区、嵊州市、诸暨市)








阿坝藏族羌族自治州(小金县、若尔盖县、黑水县、茂县、汶川县、松潘县、壤塘县、金川县、理县、九寨沟县、马尔康市、红原县、阿坝县)








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








衡水市(景县、深州市、武强县、安平县、阜城县、枣强县、武邑县、故城县、冀州区、桃城区、饶阳县)  清远市(连山壮族瑶族自治县、佛冈县、连南瑶族自治县、连州市、英德市、清城区、阳山县、清新区)








儋州市








常州市(钟楼区、金坛区、武进区、溧阳市、天宁区、新北区)








娄底市(新化县、双峰县、涟源市、冷水江市、娄星区)忻州市(代县、五台县、岢岚县、河曲县、五寨县、忻府区、保德县、神池县、宁武县、偏关县、静乐县、定襄县、繁峙县、原平市)








泉州市(金门县、晋江市、永春县、南安市、石狮市、丰泽区、德化县、泉港区、鲤城区、惠安县、安溪县、洛江区)  三明市(宁化县、建宁县、大田县、三元区、将乐县、明溪县、清流县、沙县区、尤溪县、永安市、泰宁县)








昌吉回族自治州(木垒哈萨克自治县、阜康市、吉木萨尔县、奇台县、呼图壁县、昌吉市、玛纳斯县)








泰州市(海陵区、高港区、泰兴市、兴化市、靖江市、姜堰区)








九江市(濂溪区、彭泽县、共青城市、湖口县、庐山市、柴桑区、都昌县、德安县、瑞昌市、永修县、武宁县、浔阳区、修水县)通化市(二道江区、柳河县、东昌区、通化县、集安市、辉南县、梅河口市)








龙岩市(武平县、永定区、上杭县、新罗区、漳平市、长汀县、连城县)








丽水市(遂昌县、青田县、庆元县、松阳县、莲都区、龙泉市、云和县、景宁畲族自治县、缙云县)








永州市(新田县、江永县、蓝山县、零陵区、冷水滩区、道县、东安县、祁阳市、双牌县、宁远县、江华瑶族自治县)








鄂尔多斯市(杭锦旗、乌审旗、伊金霍洛旗、东胜区、鄂托克前旗、康巴什区、准格尔旗、达拉特旗、鄂托克旗)








定西市(安定区、岷县、渭源县、临洮县、漳县、通渭县、陇西县)








太原市(小店区、清徐县、尖草坪区、阳曲县、娄烦县、万柏林区、杏花岭区、迎泽区、古交市、晋源区)








甘孜藏族自治州(白玉县、炉霍县、得荣县、道孚县、乡城县、石渠县、雅江县、巴塘县、稻城县、丹巴县、九龙县、新龙县、德格县、理塘县、甘孜县、康定市、泸定县、色达县)








萍乡市(莲花县、上栗县、湘东区、安源区、芦溪县)








漳州市(龙海区、芗城区、华安县、长泰区、云霄县、漳浦县、平和县、东山县、龙文区、诏安县、南靖县)








哈尔滨市(五常市、平房区、巴彦县、呼兰区、道外区、道里区、松北区、延寿县、依兰县、香坊区、方正县、双城区、宾县、阿城区、尚志市、通河县、木兰县、南岗区)








广安市(武胜县、邻水县、前锋区、岳池县、广安区、华蓥市)








内蒙古自治区








湘潭市(湘潭县、韶山市、湘乡市、雨湖区、岳塘区)








随州市(广水市、随县、曾都区)








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








嘉兴市(海宁市、嘉善县、桐乡市、海盐县、南湖区、秀洲区、平湖市)

  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。

校花和校草同居,轻松获取超高人气直播间,畅享精彩内容的相关文章 四大电视厂商业绩“冰火两重天”的相关文章
中国首次验证用卫星跟踪卫星
60岁女司机撞伤6人 警方通报
美日演习模拟攻击解放军 国防部回应
外交部:欢迎外国朋友来趟中国游
加拿大央行维持利率不变
方程豹钛3上市 售价13.38万元起
布彭扎跳楼前曾要求看心理医生
《浪姐》四公舞台侯佩岑组本季最高分
肺癌连续10年癌症死亡率第一
商务部:美方将关税工具化武器化
外交部:欢迎外国朋友来趟中国游
纳斯达克中国金龙指数盘初跌超2.5%
  • 友情链接:
  • 中方回应美对华加征245%关税 阿斯麦CFO:20%的全球员工在美国 余承东喊刘亦菲名字紧张到嘴瓢 #外援坠亡后比赛照常中超是否业余# 跳水世界杯总决赛将于水立方举行 任嘉伦的战场在琴房与录音棚 中国驻英使馆回应英国钢企问题 美经济增长可能陷入停滞 巴斯夫高管回应对等关税影响 杨怡为5岁女儿办生日派对

    查看更多评价 ∨