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
薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!
随机图片

薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!

更新时间: 浏览次数: 473

400电话:123456(点击咨询)
薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!各观看免费《今日汇总》
薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!各热线观看免费2025已更新(2025已更新)








薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!各区点热线观看免费《今日发布》
Random Image 薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!电话








7天观看免费人工电话为您、薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!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,








薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!各观看免费《今日汇总》2025已更新(今日/推荐)








薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!电话区域:








株洲市(醴陵市、茶陵县、荷塘区、攸县、天元区、渌口区、石峰区、炎陵县、芦淞区)








广州市(黄埔区、花都区、天河区、番禺区、荔湾区、从化区、海珠区、白云区、越秀区、增城区、南沙区)








甘南藏族自治州(碌曲县、迭部县、临潭县、卓尼县、玛曲县、舟曲县、夏河县、合作市)








忻州市(神池县、静乐县、偏关县、岢岚县、代县、原平市、定襄县、五寨县、五台县、河曲县、保德县、繁峙县、宁武县、忻府区)  六安市(霍邱县、叶集区、金安区、舒城县、裕安区、霍山县、金寨县)








汕头市(金平区、潮南区、南澳县、澄海区、濠江区、龙湖区、潮阳区)








内江市(隆昌市、威远县、市中区、东兴区、资中县)








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








娄底市(双峰县、涟源市、新化县、娄星区、冷水江市)  乐山市(沙湾区、沐川县、井研县、峨眉山市、五通桥区、市中区、犍为县、马边彝族自治县、夹江县、峨边彝族自治县、金口河区)








潍坊市(寒亭区、高密市、奎文区、潍城区、安丘市、寿光市、坊子区、青州市、诸城市、临朐县、昌邑市、昌乐县)








淮安市(涟水县、淮安区、清江浦区、盱眙县、淮阴区、洪泽区、金湖县)








钦州市(钦南区、灵山县、浦北县、钦北区)








抚顺市(清原满族自治县、顺城区、新抚区、望花区、东洲区、抚顺县、新宾满族自治县)








巴音郭楞蒙古自治州(轮台县、和静县、博湖县、和硕县、且末县、尉犁县、焉耆回族自治县、若羌县、库尔勒市)








莆田市(秀屿区、城厢区、涵江区、荔城区、仙游县)








陇南市(文县、成县、武都区、礼县、宕昌县、西和县、两当县、康县、徽县)








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








昆明市(嵩明县、东川区、安宁市、石林彝族自治县、盘龙区、西山区、宜良县、寻甸回族彝族自治县、富民县、禄劝彝族苗族自治县、晋宁区、官渡区、呈贡区、五华区)








中卫市(中宁县、沙坡头区、海原县)








营口市(鲅鱼圈区、西市区、盖州市、大石桥市、老边区、站前区)








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








澳门特别行政区








湘潭市(湘潭县、雨湖区、韶山市、岳塘区、湘乡市)








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








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








梅州市(平远县、大埔县、五华县、梅县区、蕉岭县、兴宁市、丰顺县、梅江区)








济源市








滨州市(邹平市、沾化区、阳信县、无棣县、惠民县、博兴县、滨城区)
400电话:123456(点击咨询)
薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!各观看免费《今日汇总》《今日发布》
薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!各观看免费《今日汇总》(2025已更新)








薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!各观看免费《今日汇总》【2025已更新列表】
薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!电话








7天观看免费人工电话为您、薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!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,








薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!中心2025已更新(今日/推荐)








薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!电话区域:








河池市(大化瑶族自治县、凤山县、金城江区、环江毛南族自治县、南丹县、巴马瑶族自治县、天峨县、都安瑶族自治县、宜州区、东兰县、罗城仫佬族自治县)








珠海市(金湾区、斗门区、香洲区)








丽江市(古城区、华坪县、玉龙纳西族自治县、永胜县、宁蒗彝族自治县)








乌兰察布市(察哈尔右翼中旗、兴和县、商都县、凉城县、丰镇市、卓资县、集宁区、四子王旗、察哈尔右翼后旗、察哈尔右翼前旗、化德县)  鄂尔多斯市(乌审旗、鄂托克旗、伊金霍洛旗、康巴什区、东胜区、杭锦旗、准格尔旗、鄂托克前旗、达拉特旗)








随州市(曾都区、随县、广水市)








榆林市(清涧县、府谷县、米脂县、神木市、佳县、靖边县、榆阳区、绥德县、横山区、子洲县、吴堡县、定边县)








宜宾市(屏山县、南溪区、长宁县、江安县、筠连县、翠屏区、高县、叙州区、珙县、兴文县)锡林郭勒盟(镶黄旗、正蓝旗、正镶白旗、锡林浩特市、苏尼特左旗、多伦县、阿巴嘎旗、太仆寺旗、二连浩特市、东乌珠穆沁旗、苏尼特右旗、西乌珠穆沁旗)








广元市(青川县、剑阁县、昭化区、旺苍县、利州区、苍溪县、朝天区)  盘锦市(兴隆台区、双台子区、盘山县、大洼区)








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








大兴安岭地区(塔河县、漠河市、呼玛县)








临沧市(云县、双江拉祜族佤族布朗族傣族自治县、永德县、临翔区、凤庆县、镇康县、耿马傣族佤族自治县、沧源佤族自治县)天水市(武山县、秦州区、秦安县、张家川回族自治县、甘谷县、麦积区、清水县)








北海市(合浦县、银海区、铁山港区、海城区)








新余市(渝水区、分宜县)








淮南市(寿县、谢家集区、潘集区、八公山区、大通区、田家庵区、凤台县)








佛山市(禅城区、三水区、南海区、顺德区、高明区)








肇庆市(端州区、鼎湖区、高要区、封开县、广宁县、四会市、德庆县、怀集县)








宜昌市(秭归县、伍家岗区、夷陵区、当阳市、兴山县、宜都市、枝江市、长阳土家族自治县、点军区、猇亭区、西陵区、五峰土家族自治县、远安县)








成都市(彭州市、温江区、成华区、大邑县、简阳市、崇州市、新都区、都江堰市、双流区、青羊区、武侯区、蒲江县、龙泉驿区、金牛区、锦江区、青白江区、邛崃市、郫都区、金堂县、新津区)








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








大理白族自治州(云龙县、永平县、南涧彝族自治县、巍山彝族回族自治县、大理市、鹤庆县、弥渡县、宾川县、剑川县、漾濞彝族自治县、洱源县、祥云县)








淮北市(濉溪县、烈山区、杜集区、相山区)








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








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








阳泉市(郊区、平定县、城区、矿区、盂县)








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








六盘水市(钟山区、六枝特区、水城区、盘州市)








三门峡市(义马市、陕州区、湖滨区、渑池县、灵宝市、卢氏县)

  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。

薄田肥妻免费阅读全文,全网热播,剧情反转让你大呼过瘾,快来围观!的相关文章 「甲亢哥」河南直播的相关文章
卷出新高度的 AI 家电
河北承德隆化县一养老院发生火灾
美股
网友拍到因日食出现的恶魔之角
「甲亢哥」河南直播
美国宣布国家紧急状态
有没有比亿还大的单位
AI 能为家电带来哪些新功能
皮亚斯特里夺冠
中国可控核聚变技术再突破
义乌购房新政公布
你的学校发生过最扯的事是什么
  • 友情链接:
  • 张诗尧cos空空儿 「甲亢哥」河南直播 中国成功发射卫星互联网技术试验卫星 T1对战GEN 郑钦文退赛 棋士细节 T1对战GEN 海南10岁男孩出海钓鱼一天一夜漂流到三亚后获救 月球最古老撞击遗迹形成于 42.5 亿年前 乐事客服回应薯片含TBHQ致癌添加剂 海南10岁男孩出海钓鱼一天一夜漂流到三亚后获救 扑面而来的家电科技

    查看更多评价 ∨