Create National Pension Management Account With The Help Of Internet Thinking

The eighteen report proposes that a social security system covering urban and rural residents should be built in a comprehensive way.

"Building social security can be achieved at one stroke, which will enhance the well-being of the people and promote social stability and fairness.

Second, we can eliminate people's worries, promote consumption and promote economic pformation.

Third, the investment of social security funds in the real economy and capital markets will strongly support economic development and capital market construction.

Zhang Lei said.

For the current social security system, Zhang Lei believes that there are still some problems, such as inadequate management system, low number of retired employees, low replacement rate, idle running of personal accounts, historical debts, and lack of market operation of most social security funds, low income and inability to resist inflation.

"At the same time, people still have problems such as difficult to find social security accounts, difficult to pay, difficult to pfer, difficult to connect, difficult to manage investment, and expensive to collect elsewhere."

Zhang Lei said that as the leading Internet financial company, Celestica fund has been thinking about how to use the "Internet +" to solve the pain points of the social security system, so as to enhance the level of social security service and the experience of the insured people.

"Look at home and abroad.

Especially pension funds, because of its large scale, long duration, sustained growth and high customer stickiness, is the most important source of capital for the asset management industry.

Zhang Lei said,

The financial management of pension will be defined as a company strategy, ready to tilt the company's strength, with the help of Internet thinking and technology, to integrate Ali, ant and gold clothing ecosystem to enhance the service level of the insured people.

"If the balance treasure has become China's 1/7 population

Then, we hope to create a new generation of national pension management account after the relevant policies and regulations are ripe and the company has acquired relevant business qualifications.

Zhang Lei said.

According to Zhang Lei, Celestica fund has made preparations for social security services from three aspects: customer service, operation and products.

Celestica fund wants to put the pension service into mobile phone APP, and integrate with Alipay, balance treasure, recruit treasure, easy treasure and Ali business platform, so that users can easily complete the social security payment, account inquiry, pfer payment and so on.

"We want to make pension management and consumption realize fast switching, seamless docking, so that every insured people can enjoy the same service as using the balance treasure, so that we can conveniently and quickly inquire about the payment of enterprises and individuals in social insurance, investment income and operation of financial products."

Zhang Lei said.

There are hundreds of millions of social security users.

To provide fast, convenient and high frequency services, the system's computing power and backstage operation capabilities have been highly demanded.

In response, Zhang Lei said: "Yu Bao currently serves 180 million of customers, and the total volume of pactions, consumption and pfer accounts for more than 86T, with more than 400G new data per day.

Tianhong fund deployed the direct selling system to the Ali cloud, not only to save construction costs, but also to withstand a double eleven experience, and always provide a smooth service and a perfect experience for the customers.

In order to meet the financial needs of the elderly, the Celestica fund launched the first pension fund in the country at the end of 2012, according to the asset allocation ratio of the annuity.

As of May 8th this year, Ankang pension fund has achieved a yield of 12% over the past two years. Its low net volatility and good return on investment have won wide recognition from investors and the scale of the fund has increased steadily.