New regulations of China Insurance Regulatory Commission strengthen universal insurance and other li-444kk.com

China Insurance Regulatory Commission new regulations strengthen universal insurance and other life insurance products supervision, Sina fund exposure platform: letter Phi lag false propaganda, performance is lower than the same product for a long time, buy fund by pit how to do? Click on [I want to complain], Sina help you expose them! [reports] CIRC new regulations on the universal insurance plus financing platform of universal insurance regulations strict anti lock boots enterprises finally landing the long-term positive capital market CIRC notice to build double inhibition: universal insurance personal insurance regulations determine the ambition to end five years of transition period of China Life Insurance and other insurance companies have limited impact on China Insurance Regulatory Commission issued a document and control the risk welcome to tighten short-term financial insurance Securities Times reporter Zhang Sinan in September 6th, China CIRC issued "Chinese CIRC notice" on the further perfection of relevant matters of personal insurance actuarial system, again raised the risk of life insurance products, the level of protection, to further promote the adjustment and optimization of business structure of the whole industry, the formation of long-term and stable cash flow. For the capital market, the real economy and national key infrastructure construction Provide long-term and stable financial support. "Notice" pointed out that, adhere to the "insurance surname protection" essential characteristics, through a substantial increase in universal insurance and other life insurance product risk assurance level, to further strengthen the life insurance risk protection function, and enhance the effectiveness of the supply of insurance products. To avoid the alienation of personal insurance products into short-term financial products, to ensure that personal insurance products reflect its essential characteristics. Adhering to the task of total quantity control. For the short and medium deposit renewal products, the total amount of capital and net assets should be strictly controlled so as to control the total risk exposure. Guide the insurance company in the scientific planning of short deposit renewal business, and effectively change its own way of development. Adhere to the rhythm of gradual control. Take full account of the affordability of the market, grasp the regulatory policy discretion, avoid "slam the brakes" or "one size fits all", through strengthening market guidance, clear market expectations, and promote the gradual adjustment of the whole industry in place, maintaining the overall stability of the market. The notice once again raised the risk guarantee level of life insurance products, and the minimum ratio of insurance amount to premium or account value increased from 105% to 120%, which is already the highest level in the world. At the same time, the proportion of the death insurance amount of life insurance products should be increased from 120% to 160%, which requires the insurance supervision departments of the world, such as the United States, Europe, Asia and other major countries and regions. In addition, the "notice" also clearly cut universal insurance reserve assessment rates, of short duration business accounting requirements than proposed requirements since 2019 in proportion, short renewal business accounted for no more than 50%, 2020 and 2021 and further to 40% and 30%, to further improve the short duration product regulatory policies, improve the product design the relevant regulatory requirements, strengthen the responsibility of the chief actuary. In order to do a good job in the supervision of personal insurance products, give full play to the role of market allocation of resources, improve the core competitiveness of life insurance products, prevent the risk of personal insurance products, and promote the structural reform of the supply side of life insurance. According to the notice, the CIRC has made a comment on personal insurance

保监会新规强化万能险等人身险产品监管 新浪基金曝光台:信披滞后虚假宣传,业绩长期低于同类产品,买基金被坑怎么办?点击【我要投诉】,新浪帮你曝光他们!   【相关报道】   保监会新规对万能险加锁 严防险企成融资平台   万能险新规靴子终于落地 将长期利好资本市场   保监会双通知构筑紧箍咒:万能险野心终结   人身险新规确定五年过渡期 对国寿等险企影响有限   保监会发文防控高风险 短期理财保险迎收紧   证券时报记者 张司南   9月6日,中国保监会印发了《中国保监会关于进一步完善人身保险精算制度有关事项的通知》,再次提高了人身保险产品的风险保障水平,推动全行业进一步调整和优化业务结构,形成长期、稳定的现金流,有利于为资本市场、实体经济和国家重点基础设施建设提供长期、稳定的资金支持。   《通知》指出,坚持“保险姓保”的本质特征,通过大幅提高万能保险等人身保险产品风险保障水平,进一步强化人身保险风险保障功能,增强保险产品供给的有效性。杜绝将人身保险产品简单异化为短期理财产品的行为,确保人身保险产品体现其本质特征。坚持总量控制的任务目标。对于中短存续期产品,继续实施严格的投入资本与净资产取大的总量控制政策,控制好风险总敞口。引导保险公司科学规划中短存续期业务,切实转变自身发展方式。坚持循序渐进的调控节奏。充分考虑市场的可承受力,把握好监管政策分寸,避免“急刹车”或“一刀切”,通过加强市场引导、明确市场预期,推动全行业逐步调整到位,维护市场整体稳定。   《通知》再次提高了人身保险产品的风险保障水平,将保险金额与保费或账户价值的最低比例要求由105%提高至120%,已经是世界较高水平。同时,将人身保险产品主要年龄段的死亡保险金额比例要求由120%提升至160%,该风险保障要求超过美国、欧洲、亚洲等世界主要国家和地区保险监管部门要求。此外,《通知》还明确下调万能保险责任准备金评估利率,对中短存续期业务占比提出比例要求,要求自2019年开始中短存续期业务占比不得超过50%,2020年和2021年进一步降至40%和30%,进一步完善中短存续期产品监管政策,完善产品设计有关监管要求,强化总精算师责任。   为了做好人身保险产品监管工作,充分发挥市场配置资源的作用,提高人身保险产品核心竞争力,防范人身保险产品风险,推进人身保险供给侧结构性改革。《通知》规定,保监会对人身保险产品实行事后备案和事后抽查管理,建立人身保险产品退出机制,建立人身保险产品问责机制。保险公司应当建立人身保险产品回溯机制,建立人身保险产品信息披露机制,加强人身保险新型产品销售管理,加强对万能型保险的经营管理。   无疑,《通知》的出台将对万能险等人身保险市场产生积极影响。保监会相关负责人表示,《通知》的出台一是将有效释放行业发展活力。通过把产品开发设计权交还给市场,缩短了产品从开发到上市的周期,充分发挥保险公司的经营自主性,进一步解放和发展人身保险生产力。二是将倒逼公司提升产品开发管理能力。引导公司提升产品质量,增强合规意识,实施精细化产品管理,提高产品生命周期质量追溯能力,提升对产品精算、法律合规等方面的重视程度。三是将对接消费者真实需求,推进产品差异化发展。引导公司转变产品发展模式,注重产品开发与公司各经营环节的对接,尊重保险消费者的真实需求和权利维护,让更多保障高、有特色的产品上市,让不符合消费者需求的产品退出,实现产品的有效供给和差异化发展。   对此,海通证券分析师孙婷在接受证券时报记者采访时表示,明年开门红后,行业保费规模与投资规模将《通知》规定不符合要求的保险产品在2017年4月1日前全部停售。受规模加强限制与结算利率下降的影响,中短存续期产品规模明年将显著下降。   此外,孙婷还指出,监管对于上市保险公司影响较小。人身险负债成本将逐步回落,有利于行业的健康发展。 进入【新浪财经股吧】讨论相关的主题文章: