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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82
宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精
随机图片

宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精

更新时间: 浏览次数: 252

400电话:123456(点击咨询)
宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精各观看免费《今日汇总》
宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精各热线观看免费2025已更新(2025已更新)








宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精各区点热线观看免费《今日发布》
Random Image 宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精电话








7天观看免费人工电话为您、宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精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,








宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精各观看免费《今日汇总》2025已更新(今日/推荐)








宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精电话区域:








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








恩施土家族苗族自治州(来凤县、恩施市、巴东县、鹤峰县、宣恩县、建始县、利川市、咸丰县)








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








邵阳市(洞口县、大祥区、武冈市、绥宁县、北塔区、新邵县、邵阳县、隆回县、新宁县、城步苗族自治县、双清区、邵东市)  海北藏族自治州(海晏县、刚察县、祁连县、门源回族自治县)








合肥市(肥东县、蜀山区、肥西县、瑶海区、长丰县、巢湖市、包河区、庐阳区、庐江县)








巴彦淖尔市(乌拉特后旗、临河区、乌拉特中旗、乌拉特前旗、五原县、磴口县、杭锦后旗)








泸州市(纳溪区、龙马潭区、叙永县、古蔺县、江阳区、合江县、泸县)








庆阳市(正宁县、宁县、西峰区、庆城县、华池县、镇原县、环县、合水县)  中山市








钦州市(钦北区、钦南区、浦北县、灵山县)








内江市(市中区、威远县、资中县、东兴区、隆昌市)








晋城市(陵川县、阳城县、高平市、泽州县、城区、沁水县)








九江市(湖口县、柴桑区、修水县、浔阳区、德安县、瑞昌市、永修县、都昌县、庐山市、共青城市、武宁县、濂溪区、彭泽县)








兰州市(安宁区、西固区、红古区、七里河区、城关区、永登县、皋兰县、榆中县)








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








宿迁市(泗洪县、沭阳县、宿豫区、泗阳县、宿城区)








邯郸市(鸡泽县、大名县、魏县、复兴区、永年区、峰峰矿区、广平县、涉县、武安市、肥乡区、馆陶县、丛台区、邯山区、成安县、邱县、磁县、曲周县、临漳县)








内蒙古自治区








德阳市(旌阳区、什邡市、中江县、绵竹市、广汉市、罗江区)








济南市(济阳区、长清区、槐荫区、莱芜区、天桥区、商河县、历城区、章丘区、钢城区、历下区、市中区、平阴县)








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








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








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








三明市(大田县、永安市、沙县区、建宁县、泰宁县、将乐县、三元区、宁化县、清流县、明溪县、尤溪县)








兴安盟(阿尔山市、科尔沁右翼中旗、扎赉特旗、乌兰浩特市、科尔沁右翼前旗、突泉县)








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








丹东市(元宝区、宽甸满族自治县、东港市、振兴区、凤城市、振安区)








吐鲁番市(高昌区、鄯善县、托克逊县)
400电话:123456(点击咨询)
宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精各观看免费《今日汇总》《今日发布》
宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精各观看免费《今日汇总》(2025已更新)








宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精各观看免费《今日汇总》【2025已更新列表】
宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精电话








7天观看免费人工电话为您、宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精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,








宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精中心2025已更新(今日/推荐)








宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精电话区域:








上饶市(弋阳县、玉山县、广信区、信州区、婺源县、德兴市、鄱阳县、横峰县、万年县、广丰区、铅山县、余干县)








澳门特别行政区








萍乡市(湘东区、莲花县、上栗县、安源区、芦溪县)








遂宁市(蓬溪县、船山区、射洪市、安居区、大英县)  漳州市(云霄县、长泰区、龙文区、龙海区、诏安县、芗城区、南靖县、平和县、东山县、华安县、漳浦县)








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








张家界市(永定区、武陵源区、慈利县、桑植县)








鄂尔多斯市(达拉特旗、东胜区、康巴什区、鄂托克旗、准格尔旗、杭锦旗、鄂托克前旗、乌审旗、伊金霍洛旗)和田地区(策勒县、洛浦县、皮山县、民丰县、墨玉县、和田市、和田县、于田县)








松原市(乾安县、宁江区、长岭县、扶余市、前郭尔罗斯蒙古族自治县)  通辽市(开鲁县、科尔沁区、霍林郭勒市、扎鲁特旗、科尔沁左翼后旗、奈曼旗、库伦旗、科尔沁左翼中旗)








崇左市(宁明县、天等县、扶绥县、凭祥市、大新县、龙州县、江州区)








红河哈尼族彝族自治州(屏边苗族自治县、金平苗族瑶族傣族自治县、泸西县、红河县、河口瑶族自治县、元阳县、弥勒市、石屏县、开远市、建水县、绿春县、个旧市、蒙自市)








铁岭市(清河区、西丰县、调兵山市、铁岭县、银州区、昌图县、开原市)乌海市(海南区、乌达区、海勃湾区)








黄南藏族自治州(河南蒙古族自治县、尖扎县、泽库县、同仁市)








广元市(苍溪县、旺苍县、昭化区、青川县、利州区、朝天区、剑阁县)








白山市(抚松县、长白朝鲜族自治县、江源区、临江市、浑江区、靖宇县)








雅安市(石棉县、宝兴县、名山区、雨城区、天全县、汉源县、芦山县、荥经县)








南通市(如东县、崇川区、如皋市、海安市、通州区、启东市、海门区)








宝鸡市(眉县、太白县、凤翔区、陇县、渭滨区、岐山县、凤县、扶风县、麟游县、金台区、千阳县、陈仓区)








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








绥化市(海伦市、兰西县、绥棱县、安达市、肇东市、明水县、北林区、青冈县、望奎县、庆安县)








攀枝花市(米易县、盐边县、仁和区、西区、东区)








荆州市(石首市、沙市区、公安县、监利市、荆州区、洪湖市、江陵县、松滋市)








商丘市(柘城县、梁园区、睢阳区、永城市、虞城县、夏邑县、睢县、民权县、宁陵县)








温州市(瓯海区、永嘉县、乐清市、文成县、平阳县、龙港市、龙湾区、苍南县、瑞安市、洞头区、鹿城区、泰顺县)








湘潭市(韶山市、岳塘区、湘乡市、湘潭县、雨湖区)








梧州市(蒙山县、万秀区、岑溪市、龙圩区、苍梧县、藤县、长洲区)








洛阳市(栾川县、涧西区、老城区、洛龙区、新安县、伊川县、宜阳县、嵩县、洛宁县、汝阳县、孟津区、偃师区、瀍河回族区、西工区)








长沙市(宁乡市、芙蓉区、开福区、雨花区、岳麓区、长沙县、天心区、浏阳市、望城区)

  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。

宝贝这个深度可以吗-让你畅享高清视听盛宴,尽情体验无限精的相关文章 美国进口订单开始断崖式暴跌的相关文章
澳大利亚对华的牛肉出口大幅增加
恒生中国委任李家超长子为副董事长
长和港口千亿交易股权细节曝光
成都一楼盘188套房源28秒清盘
陕西一特色小镇被拍卖 起价5.25亿元
特朗普称伊朗拖延谈判进程
因婆家太好女子把亲妹介绍给小叔子
1岁萌娃躺地耍赖90后宝妈淡定拍视频
被中方通缉的3名美国特工做了什么
孙女一家被撞身亡 爷爷悲伤过度离世
特朗普不会参加今年白宫记者晚宴
游客称泼水节有人强拉车门呲水
  • 友情链接:
  • 沈腾加入《流浪地球3》 三位留学生亲历美国签证被撤销 春晚导演于蕾入围中国非遗年度人物 特朗普称伊朗拖延谈判进程 双成药业可能被实施退市风险警示 中国已建成3000多条幸福河湖 医生:猝死的年轻人通常有6个共性 沈腾加入《流浪地球3》 美国进口订单开始断崖式暴跌 韩国正式成为美国“敏感国家” 美财长谈关税:望与中国达成重大协议 越南年轻人多次提到《难哄》

    查看更多评价 ∨