中證網(wang)訊（記者 歐(ou)陽劍(jian)環(huan)）銀(yin)保(bao)監會(hui)網(wang)站2月25日消息，為進一步推動完善試點，加大養老理(li)財產品供給，在(zai)前期試點工作(zuo)的基礎上，銀(yin)保(bao)監會(hui)制(zhi)定并發布(bu)《關于擴大養老理(li)財產品試點范圍的通(tong)知(zhi)》（以下簡(jian)稱《通(tong)知(zhi)》）。

　　銀(yin)保監會稱(cheng)，為貫徹落實黨中央、國務(wu)院(yuan)關于發展多(duo)層次、多(duo)支柱養老(lao)保險體(ti)系的(de)重要決策部署(shu)，2021年9月，中國銀(yin)保監會按照"審(shen)慎、穩健、探(tan)索、創新"的(de)總(zong)體(ti)要求(qiu)，選擇(ze)"四(si)地四(si)機構"正式啟動(dong)養老(lao)理財(cai)產品(pin)(pin)試(shi)點。養老(lao)理財(cai)產品(pin)(pin)試(shi)點啟動(dong)以來，總(zong)體(ti)運行平穩，市(shi)場反應積極(ji)，取得良(liang)好開局，在豐(feng)富(fu)商業(ye)養老(lao)金融產品(pin)(pin)、滿足人民群眾多(duo)樣(yang)化養老(lao)需(xu)求(qiu)等(deng)方面(mian)發揮了積極(ji)作用。

　　《通(tong)知》規定，自(zi)2022年(nian)3月(yue)1日起，養(yang)(yang)老(lao)理(li)(li)(li)(li)(li)財(cai)(cai)(cai)產(chan)品(pin)試(shi)點(dian)范圍由"四地(di)(di)(di)四機(ji)構"擴(kuo)展為"十(shi)地(di)(di)(di)十(shi)機(ji)構"。試(shi)點(dian)地(di)(di)(di)區(qu)擴(kuo)大至(zhi)"北京、沈陽、長春(chun)、上海、武漢、廣州(zhou)、重慶、成都、青(qing)島、深圳(zhen)"十(shi)地(di)(di)(di)。試(shi)點(dian)機(ji)構擴(kuo)大至(zhi)"工(gong)銀理(li)(li)(li)(li)(li)財(cai)(cai)(cai)有(you)(you)限(xian)責(ze)任(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)、建(jian)信理(li)(li)(li)(li)(li)財(cai)(cai)(cai)有(you)(you)限(xian)責(ze)任(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)、交銀理(li)(li)(li)(li)(li)財(cai)(cai)(cai)有(you)(you)限(xian)責(ze)任(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)、中銀理(li)(li)(li)(li)(li)財(cai)(cai)(cai)有(you)(you)限(xian)責(ze)任(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)、農銀理(li)(li)(li)(li)(li)財(cai)(cai)(cai)有(you)(you)限(xian)責(ze)任(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)、中郵理(li)(li)(li)(li)(li)財(cai)(cai)(cai)有(you)(you)限(xian)責(ze)任(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)、光(guang)大理(li)(li)(li)(li)(li)財(cai)(cai)(cai)有(you)(you)限(xian)責(ze)任(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)、招銀理(li)(li)(li)(li)(li)財(cai)(cai)(cai)有(you)(you)限(xian)責(ze)任(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)、興銀理(li)(li)(li)(li)(li)財(cai)(cai)(cai)有(you)(you)限(xian)責(ze)任(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)和(he)信銀理(li)(li)(li)(li)(li)財(cai)(cai)(cai)有(you)(you)限(xian)責(ze)任(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)"十(shi)家(jia)理(li)(li)(li)(li)(li)財(cai)(cai)(cai)公(gong)(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)。其中，對于已開展試(shi)點(dian)的4家(jia)理(li)(li)(li)(li)(li)財(cai)(cai)(cai)公(gong)(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)，單(dan)家(jia)機(ji)構養(yang)(yang)老(lao)理(li)(li)(li)(li)(li)財(cai)(cai)(cai)產(chan)品(pin)募(mu)集(ji)資(zi)金總規模上限(xian)由100億元(yuan)人(ren)民幣提高至(zhi)500億元(yuan)人(ren)民幣；對于本次新增的6家(jia)理(li)(li)(li)(li)(li)財(cai)(cai)(cai)公(gong)(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)，單(dan)家(jia)機(ji)構養(yang)(yang)老(lao)理(li)(li)(li)(li)(li)財(cai)(cai)(cai)產(chan)品(pin)募(mu)集(ji)資(zi)金總規模上限(xian)為100億元(yuan)人(ren)民幣。試(shi)點(dian)理(li)(li)(li)(li)(li)財(cai)(cai)(cai)公(gong)(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)應當(dang)在試(shi)點(dian)地(di)(di)(di)區(qu)范圍內自(zi)主選(xuan)擇一個或多(duo)個試(shi)點(dian)地(di)(di)(di)區(qu)銷(xiao)售養(yang)(yang)老(lao)理(li)(li)(li)(li)(li)財(cai)(cai)(cai)產(chan)品(pin)，但不得超出試(shi)點(dian)地(di)(di)(di)區(qu)進(jin)行銷(xiao)售。貝萊德(de)建(jian)信理(li)(li)(li)(li)(li)財(cai)(cai)(cai)有(you)(you)限(xian)責(ze)任(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)參照(zhao)執行《通(tong)知》相關規定。

　　《通(tong)知》要求試點理財(cai)公司持續(xu)優化養(yang)老(lao)理財(cai)產品方案，提高信息披露準(zhun)確(que)度(du)和透明度(du)，增加長期限產品供給(gei)，不得(de)變相通(tong)過(guo)期限結構化設(she)計(ji)規避(bi)監管要求，不得(de)宣傳養(yang)老(lao)理財(cai)產品預期收(shou)益(yi)率。

　　下一步，銀保(bao)監會相關部門及(ji)試(shi)點地區(qu)銀保(bao)監局將(jiang)加(jia)強對養(yang)老理財產品試(shi)點工作的監督管理，持續做好試(shi)點工作的評估和經驗總結(jie)，努(nu)力為(wei)人民群眾(zhong)提供更高質量、更便捷的商業(ye)養(yang)老金融服務。