Can the pension for the elderly in rural areas be withdrawn from the Agricultural Bank of China?

The Agricultural Bank of China can withdraw the fixed deposit in the middle, and in the fixed deposit, it is often necessary to withdraw the deposit in advance for various reasons, but according to the regulations, the early withdrawal of the fixed deposit can only calculate the interest according to the current interest rate, and the loss is inevitable. However, there are a few techniques that can be applied to minimize interest losses. Here are a few ways to consider.

1. Partial early withdrawal. The bank stipulates that the early withdrawal of time deposits can be divided into two types: partial and full early withdrawal, and depositors can withdraw part of the deposit in advance according to their own needs, so that the interest on the remaining part of the deposit can still be calculated according to the deposit date, the original interest rate and the original maturity date of the original deposit certificate. For example, if a depositor has a one-year fixed deposit certificate with an amount of 20,000 yuan, and when he has deposited it for half a year, the depositor urgently needs 10,000 yuan.

Set the annual interest rate of 1-year time deposit, the annual interest rate of demand savings is 3, 15%, and the calculation formula is as follows: (20000-10000) (yuan. 2. Deposit certificate mortgage.

If you need to withdraw the full amount of the fixed deposit certificate with a maturity of more than one year in advance, and the withdrawal date has passed half or less of the maturity date of the original certificate of deposit, in this case, you can use the original certificate of deposit as collateral for the micro-loan procedure, which can also reduce the interest loss. For example, if you have a fixed deposit of 10,000 yuan for 2 years, and have saved it for 1 year, and you urgently need to use 10,000 yuan, if you apply for a mortgage loan with a term of 1 year (because there is still one year before the maturity date of the certificate of deposit), you will have more income than withdrawing it in advance. 2-year fixed savings interest rate per annum; 1-year working capital loan annual interest rate.

The formula is as follows: 10000 (?.)Yuan.

3. When withdrawing fixed savings funds in advance to switch to investment methods with higher interest rates, you should first calculate the gains and losses of interest before proceeding. If you take the 3-year fixed deposit certificate of 10,000 yuan deposited on May 15, 1993 to the bank and request early withdrawal for the purchase of treasury bills, you should calculate an account: if the value preservation factor is not considered, the interest due at maturity is 3,240 yuan calculated at the annual interest rate; For the purchase of treasury bills, the interest due at maturity is 4,200 yuan.

If you withdraw early, you can only calculate the interest based on the current savings interest rate and the deposit period of 1 year and 10 months, and you will get $396. Comparing a few figures, buying treasury bills can earn 960 yuan more interest than saving them for 3 years, but withdrawing them in advance will cost 2,844 yuan less interest.

If you use an ABC debit card (savings card) to receive and know the bank card password, you can handle the withdrawal business. Withdrawals can be made at the counters or self-service machines at ABC outlets.

Self-service cash withdrawal includes the withdrawal service of debit card, quasi-credit card, credit card, other bank card and international card.

The maximum number of daily withdrawals of the debit card is 10, and the daily cumulative withdrawal limit is 20,000 yuan;

The cumulative daily withdrawal limit of the quasi-credit card is 5,000 yuan, and there is no limit to the number of withdrawals;

The maximum number of daily withdrawals of the credit card is 5, and the daily cumulative withdrawal limit is limited by the emergency withdrawal amount of the credit card;

Agricultural Bank of China endowment insurance belongs to commercial endowment insurance, and the way to receive endowment insurance: commercial endowment insurance usually has three ways: fixed, timed or one-time lump sum. Single payment is a way to withdraw all pensions at one time at an agreed time.

The method of receiving the fixed amount is the same as that of the social security pension, that is, the amount of the payment is determined in the unit time until the insurance money is fully received. The social security pension is based on the monthly unit, while the commercial pension code requires the old age insurance to be based on the year, such as the evergreen lifelong pension insurance of Ping An Life, which is paid on an annual basis. For example, if it is determined that the pension will be received in 15 years, then the insurance company will determine the specific amount that can be received each year according to the total amount of late split pure pension.

Some pension insurance contracts have an agreed time, and some can freely choose the way to receive them, and they can also be changed in the middle.

The legal retirement age is 55 years old for women and 60 years old for men, and the social security pension is received according to these two age groups. In contrast, the time of receipt of commercial pension insurance is much more flexible, providing a variety of options for the timing of the payment and can be changed before the start of the collection. The starting time of annuity receipt is usually concentrated in the four age groups of the insured's first birthday, and there are also earlier or later.

In order to avoid the loss of pension due to the short life of the insured, many pension insurance promises a guaranteed period of 10 years or 20 years. In other words, if the insured person does not receive the 10 or 20-year guarantee period, the beneficiary can continue to receive the balance of the guarantee period.

Summary. The pension cannot be withdrawn into many categories, such as personal reasons, which may be inconvenient due to the distance from home; It's normal to forget your password and not bring your ID with you. In such cases, it is generally difficult to determine liability.

If the pension cannot be withdrawn, it is due to the lack of bank services, such as too many people in line, limited numbers, too many people to withdraw money, no cash in the bank, etc. If there is also a problem with the bank's mobile banking app, the elderly cannot withdraw their pension. In these cases, in fact, the social security bureau should bear some pots, but in the end it is the bank that solves the problem, such as adding windows, making more preparations, and dealing with failures as soon as possible.

The pension cannot be withdrawn into many categories, such as personal reasons, due to the distance from home, or the spike may be inconvenient; If you forget your password and don't bring your ID card, it's normal that you can't take it out. In such cases, it is generally difficult to determine liability. If the pension cannot be withdrawn, it is due to the lack of bank services, such as too many people in line, limited numbers, too many people to withdraw money, no cash in the bank, etc.

If there is also a problem with the bank's mobile banking app, the elderly will not be able to get the pension. In these cases, in fact, the social security bureau should bear some pots, but in the end it is the bank that solves the problem, such as adding windows, making more preparations, and dealing with failures as soon as possible.

If the pension cannot be withdrawn, it is due to the fact that the social security department has not paid the pension in time or the pension has been wrongly paid. This is entirely the responsibility of the social security department. In this case, the social security department will quickly ask the higher authorities for instructions to organize funds, issue pensions or solve relevant problems separately.

As for the most serious problem, the bank that issued the pension has collapsed, and the pension cannot be withdrawn, and the social security department has to be jointly and severally liable. Bi Sui Zhengwang asked him to designate this bank.

Generally speaking, the pension should be treated with different responsibilities, and whoever should be held accountable will be held accountable. If a large area of pension cannot be withdrawn, in fact, the social security department will be more urgent than us.

Legal analysis: Pension insurance is generally received in rural credit cooperatives or postal savings banks, because these two bank outlets are more numerous, and they generally cover the townships. The basic pension consists of a co-ordinated pension and a personal account pension.

The basic pension is determined according to factors such as the cumulative number of years of individual contributions, the contribution salary, the average salary of local employees, the amount of personal accounts, and the average life expectancy of the urban population. Before the employees of state-owned enterprises and public institutions participate in the basic endowment insurance, the basic endowment insurance premiums that should be paid during the deemed payment period shall be borne by the first. When the basic endowment insurance is insufficient, it will be subsidized.

Individuals who participate in the basic pension insurance and have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis. Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.

Legal basis: Social Insurance Law of the People's Republic of China (Social Insurance Law) Article 16 Individuals who participate in the basic endowment insurance and have paid contributions for 15 years when they reach the statutory retirement age shall receive a basic pension on a monthly basis. Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay fictitious premiums for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.

Pension insurance is generally received at the Rural Credit Cooperatives or the Postal Savings Bank of Buyuan, because these two banks have more outlets, and they generally cover the township banquet.

Legal basis: According to the provisions of the Basic Plan for Rural Social Pension Insurance at the County Level, the standard for receiving new rural social pension insurance is composed of basic pension and personal account pension, which is paid for life. Each person can receive a basic pension of 55 yuan per month.

According to the actual local situation, the basic pension can be increased, and the pension can be appropriately increased for rural residents who have paid pension insurance for a long time.

Summary. Hello, you can get a pension with the Agricultural Bank of China on which side to refer to as follows: the pension is designated by the local social security or issuing unit, and there is no unified standard in various regions.

Beijing pension can be received from Beijing Rural Commercial Bank, Bank of Beijing, Industrial and Commercial Bank of China, China Everbright Bank, Guangdong Development Bank, Huaxia Bank, China Construction Bank, Bank of Communications, Minsheng Bank, Agricultural Bank of China, Postal Savings Bank, China Merchants Bank, Bank of China, and China CITIC Bank. Shanghai pension can be received from Industrial and Commercial Bank of China, Bank of Shanghai, China Construction Bank, Pudong Development Bank, Agricultural Bank of China, Bank of China, China Merchants Bank, Minsheng Bank, Shanghai Rural Commercial Bank, Postal Savings Bank, and Bank of Communications. Shenzhen pension can be received from Bank of China, Industrial and Commercial Bank of China, China Construction Bank, China Construction Bank, Shenzhen Development Bank, Ping An Bank, Agricultural Bank of China and Postal Savings Bank.

Huaihua City, Hunan Province, together with the county seat, can get the year-end pension of the Agricultural Bank of China.

Hello, you can get a pension with the Agricultural Bank of China on which side to refer to as follows: the number of pensions is designated by the local social security or issuing units, and there is no unified standard in various regions. Beijing pension can be received from Beijing Rural Commercial Bank, Bank of Beijing, Industrial and Commercial Bank of China, China Everbright Bank, Guangdong Development Bank, Huaxia Bank, China Construction Bank, Bank of Communications, Minsheng Bank, Agricultural Bank of China, Postal Savings Bank, China Merchants Bank, Bank of China, and China CITIC Bank.

Shanghai pension can be received from Industrial and Commercial Bank of China, Bank of Shanghai, China Construction Bank, Pudong Development Bank, Agricultural Bank of China, Bank of China, China Merchants Bank, Minsheng Bank, Shanghai Rural Commercial Bank, Postal Savings Bank, and Bank of Communications. Shenzhen pension can be received from Kuanwei Bank of China, Industrial and Commercial Bank of China, China Construction Bank, China Construction Bank, Shenzhen Development Bank, Ping An Bank, Agricultural Bank of China and Postal Savings Bank.

Huaihua City, Hunan Province, is the county seat of the county.

Hello, Huaihua City, Hunan Province, together with the county seat of the Agricultural Bank of China can get the year-end pension here, the reference is as follows: Zhongliang Sedan National Agricultural Rubber Clothing Bank (Huitong Branch) Address: Huaihua City, Hunan Province, Huitong County, Lincheng Town Center Street No. 79 **:

Agricultural Bank of China, together with the county branch, the office address is located in the gateway of Guizhou and Yunnan Quanchu throat Huaihua Liangkuan, Huaihua Lincheng Center Street No. 79, in 1980-01-05 in Huaihua was established, our bank has been providing customers with 43 years of high-quality service hall, our bank is mainly engaged in deposits, loans, settlement, bill discounting business; ** Issuance of financial bonds; Issuance, redemption and sale of bonds; Insurance, collection and payment. Hope it helps!!