China Insurance Regulatory Commission double notice to build a straitjacket universal insurance ambi 乃々果花

China Insurance Regulatory Commission double notice to build a straitjacket: universal insurance ambitions end of the Sina fund exposure platform: letter Phi lag behind false propaganda, the performance of long-term lower than similar products, how to buy funds pit? Click [I want to complain], Sina help you expose them! Newspaper reporter Li Zhihong Beijing reported boots finally landed. In September 6th, the China Insurance Regulatory Commission issued "on the strengthening of personal insurance products supervision work notice" (hereinafter referred to as the "notice", "on the 1) to further improve the life insurance actuarial system related issues notice" (hereinafter referred to as the "notice", 2) specification, adjust and optimize the life insurance product development, design and sales. In fact, the industry for the introduction of these two is not an accident. In recent years, part of both risk and financial functions to meet the needs of the community, and has a stable income, high transparency, misleading sales and other characteristics, has been sustained and rapid development. However, individual insurance business structure is single, asset liability mismatch risk exposure. According to the twenty-first Century economic report reporter combing through the two notice that the intention of the policy is through a substantial increase in the risk level of protection of universal insurance and other personal insurance products, to further strengthen the insurance risk protection function, prevent the alienation of personal insurance products for short-term financial products simple behavior. Moreover, regulators consider market affordability, a good grasp of the regulatory policy discretion, to avoid "slam the brakes" or "across the board", and by strengthening the guidance of market, clearly the market is expected to promote the whole industry gradually adjusted, maintain the overall stability of the market. It is worth mentioning that the provisions of the two notice, does not meet the requirements of all the sale of insurance products in April 1, 2017, is expected in the short duration of product scale next year will decline significantly. Universal insurance put straitjacket in the two notice, many explicit short duration operations, the intention is self-evident. For example, for short duration requirements than the proposed business accounted for the proportion, from January 1, 2019 onwards, the annual premium income scale insurance company related products accounted for the proportion of the total size of the premium income shall not exceed 50%; since January 1, 2020, the proportion of not more than 40%; since January 1, 2021, the proportion of not more than 30%. A small insurance company chief actuary told twenty-first Century Economic Herald reporter, "in the" notice "on the basis of the short duration of the relevant matters in the norms of life insurance products on the further increase of the corresponding proportion of business restrictions, giving the market to clear expectations, guide of insurance companies to gradually adjust the business structure, to avoid the brakes form, cash flow risk." At the same time, specify the scope of the investment linked insurance products into short duration product requirements, loan ratio shall not be higher than the cash value or the account value of 80%, a separate evaluation of additional universal insurance and additional investment linked insurance products, and the insurance company may not be life insurance, pension insurance, nursing insurance designed in short duration products, these products adhere to the risk protection and long-term savings property. The aforementioned small and medium-sized insurance company chief actuary also said, this is to prevent insurance companies through the investment theory相关的主题文章:

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