By the end of 2022, the number of individual pension contributors was 6.13 million, with a total contribution of 14.2 billion yuan... After the implementation of the individual pension system, the enthusiasm of financial institutions and other institutions rose, and the market of individual pension rose rapidly. At present, people with higher incomes and close to retirement age have higher enthusiasm. In the future, the personal pension system needs to be further adjusted and optimized to further enhance the attractiveness of products. At the end of December last year, Zhang Hua, who worked in a state-owned enterprise in Beijing, opened a personal pension account and deposited 12000 yuan in the "top grid", providing a third pillar for his future pension. On November 25, 2022, the Ministry of Human Resources and Social Security, the Ministry of Finance and the State Administration of Taxation issued a notice specifying that the individual pension system should be implemented in 36 leading cities and regions such as Beijing, Tianjin and Shanghai. The enthusiasm of banks and financial institutions has increased, and the market of personal pension has rapidly warmed up. According to the data, by the end of 2022, 19.54 million people participated in personal pension, 6.13 million people contributed, with a total contribution of 14.2 billion yuan. What do people think of personal pension? The reporter of the Workers' Daily interviewed this. At the beginning of December 2022, in order to help senior high school students who work in the bank complete the year-end workload assessment, financial institutions and other enthusiasm soared, opened a personal pension account online at Liu Wei, who works in a design institute in Tianjin, and deposited 1 yuan. "The process is not complicated. Fill in the relevant information and conduct SMS verification, and the account is opened successfully". The reporter found in the interview that many people, like Liu Wei, were pulled into the bureau by acquaintances working in the bank. After the pilot of the individual pension system, the first batch of 23 banks can open individual pension accounts, including 6 state-owned banks, 12 joint-stock banks and 5 urban commercial banks. A battle for customers also began. The major banks have "pulled in" through cash rebates, gift of consumer coupons, points and other means. On December 29, 2022, the term "60 new account opening indicators per week, bank financial managers' cry for pain 'in the battle for personal pension" once rushed into the hot search. After opening an account, Liu Wei received 50 yuan of cash back. He is still wait-and-see about whether to continue to deposit money into his personal pension account. Tax advantage is one of the attractions of personal pension. According to the system arrangement, after the individual pension account is opened, the pre-tax deduction can be made from the comprehensive income or business income according to the actual contribution amount of the individual pension. Liu Wei said that his annual income is about 120000 yuan, and he doesn't pay much tax himself, so the effect of tax reduction is not obvious. You can wait and see. The "two accounts" behind the personal pension are different from Liu Wei who holds a wait-and-see attitude. Zhang Hua, who works in a state-owned enterprise in Beijing, has carefully considered opening the personal pension account. Since 2016, his company has started to pay occupational pension for employees, which is the second pillar of Zhang Hua's pension. With the opening of the personal pension account this time, Zhang Hua wants to "support" the third pillar and provide more security for his own pension. Zhang Hua is 35 years old and has an annual income of about 350000 yuan. He calculated such a tax reduction for the reporter. Excluding housing loans and supporting the elderly