The new rules of life insurance to determine the influence of five years of transition period of Chi-e3300

The new rules of life insurance fund to determine the limited Sina five years of transition period of China Life and other insurance firms exposure: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? Click on [I want to complain], Sina help you expose them! For short duration premium income year 2015 higher than the year capital and larger net assets of 2 times the insurance company, since January 1, 2016, giving the company a 5 year transition period, reporter Lu Xiaoping Chen Junling, editor of Chen Yu after brewing, two people market has been concerned about the new rules of life insurance — "China CIRC notice" on to strengthen the regulation of personal insurance products and the "Chinese China Insurance Regulatory Commission on further improving the notice related matters of personal insurance actuarial system" (hereinafter referred to as the "notice") yesterday formally issued. The introduction of the two "notice" aims to further promote the structural reform of the supply side of life insurance, so that the insurance industry can better deliver long-term health funds for the real economy and the capital market. The reporter found that, compared with the previous draft, such as "the development of the insurance company or the minimum guaranteed interest rate is the interest rate is not higher than 3% of the personal insurance products, interest rate is not higher than 3.45% of the ordinary annuity insurance products, to be submitted to the CIRC for record China" provisions in the formal document has disappeared, this Akira with regulators to avoid "slam the brakes" or "across the board", promote the whole industry gradually adjusted in place, maintaining the overall stability of the good intentions of the market. Products sold less than 1 million yuan a year to actively sell insurance surname "Bao", insurance products guarantee function is the first. In accordance with the "notice" requirement, will again raise the risk of life insurance products, the level of protection, further promote the adjustment and optimization of business structure of the whole industry, the formation of long-term and stable cash flow, is conducive to capital markets, the real economy and national key infrastructure construction to provide long-term and stable financial support. Therefore, the China Insurance Regulatory Commission has established the exit mechanism of life insurance products. Once the Insurance Regulatory Commission finds and finds that the insurance company records the illegal products, the insurance company shall be ordered to stop the use of illegal products and disclose the sale information of the products publicly. "Notice" clearly, the insurance company has one of the following acts, Chinese CIRC will depend on the severity of 3 months to 1 years to prohibit insurance company to declare a new product from the date of irregularities identified, and depending on the seriousness of the insurance company general manager, chief actuary, legal liability and other relevant responsible person to conduct interviews and notification, shall give it a warning, revoke the relevant qualifications: the insurance company for products in violation of laws and regulations or other provisions of the CIRC Chinese; the insurance company is not in accordance with the provisions by the approval or filing of insurance products; other acts of China Insurance Regulatory Commission found that. The insurance company products back has the following problems in the work of China CIRC will require insurance companies rectification; overdue rectification, according to the law of insurance companies taking interviews, reporting, prohibition of declaration of new products and other regulatory measures within a certain period of time: the insurance company not on the cumulative annual premium income of less than 1 million, and the scale of the annual cumulative the number of sales of less than 5000 pieces of personal property for the record

人身险新规确定五年过渡期 对国寿等险企影响有限 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!   对2015年度中短存续期产品保费收入高于当年投入资本和净资产较大者2倍的保险公司,自2016年1月1日起给予公司5年的过渡期   ⊙记者 卢晓平 陈俊岭○编辑 陈羽   几经酝酿,备受市场关注的两项人身险新规――《中国保监会关于强化人身保险产品监管工作的通知》和《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》(以下统称为《通知》)昨日正式出台。两项《通知》的出台,旨在进一步推进人身保险供给侧结构性改革,使保险业更好地为实体经济和资本市场输送长期健康资金。   记者发现,相比此前的征求意见稿,诸如“保险公司开发的预定利率或最低保证利率不高于3%的人身保险产品、预定利率不高于3.45%的普通型年金保险产品,需报送中国保监会备案”等规定在正式文件中已不见踪影,这彰显出监管层避免“急刹车”或“一刀切”,推动全行业逐步调整到位,维护市场整体稳定的良苦用心。   一年卖不到100万元的产品要主动停售   保险姓“保”,保险产品的保障功能是第一位的。   按照《通知》要求,将再次提高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。为此,保监会建立了人身保险产品退出机制。一旦保监会经抽查发现并认定保险公司备案产品存在违法违规情形的,将责令保险公司停止使用违规产品、公开披露产品停售信息。   《通知》明确,保险公司有下列行为之一的,中国保监会将视情节轻重自违规行为认定日起3个月至1年内禁止保险公司申报新的产品,并视情节轻重对保险公司总经理、总精算师、法律责任人等相关责任人进行约谈、通报,依法予以警告、撤销相关人员任职资格等:保险公司备案产品违反法律法规或者中国保监会其他规定的;保险公司未按照规定使用经批准或者备案保险产品的;中国保监会认定的其他行为。   对保险公司产品回溯工作中存在以下问题的,中国保监会将要求保险公司限期整改;逾期未整改的,将依法对保险公司采取约谈、通报、一定期限内禁止申报新的产品等监管措施:保险公司未对年度累计规模保费收入少于100万、且年度累计销售件数少于5000件的备案个人产品进行主动停售的,产品使用未满一年的除外;保险公司未及时主动发现并报告备案产品存在违法违规或不公平、不合理情形的;中国保监会认定的其他问题。   按照《通知》要求,对已经审批或备案的产品,保险公司需在2017年4月1日前完成自查和整改。   2019年起险企中短存续期产品保费不得过半   精算,是保险产品的灵魂。   保监会有关部门负责人就进一步完善万能险等人身保险产品精算制度有关事项答记者问时明确表示,文件制定过程中主要把握了三大原则:一是坚持“保险姓保”的本质特征;二是坚持总量控制的任务目标;三是坚持循序渐进的调控节奏。   良药苦口,许多量化指标的明确,让市场中一些企图借助保险这个平台快速融资的激进型保险公司感到一丝寒意。   保监会新规对中短存续期业务占比提出比例要求。保监会有关部门负责人答记者问时强调,继续保持对中短存续期业务规模的管控,同时对中短存续期业务规模在公司业务结构中的占比提出了明确的比例要求,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%,给市场以明确预期,引导部分保险公司逐步调整业务结构,避免“急刹车”,形成现金流风险。   另外,保险公司中短存续期产品的年度保费收入应控制在以下要求的限额以内:一是自2016年1月1日起,保险公司中短存续期产品年度保费收入应控制在公司最近季度末投入资本和净资产较大者的2倍以内;二是对2015年度中短存续期产品保费收入高于当年投入资本和净资产较大者2倍的保险公司,自2016年1月1日起给予公司5年的过渡期。过渡期内,保险公司的中短存续期产品年度保费收入应当控制在基准额以内。   除了严格监管,保监会还将大大提升保险产品的保障水平。保监会有关部门负责人称,我们在人身险费率市场化改革中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%,该风险保障水平已是世界较高水平。此次,我们进一步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。   对“老七家”险企影响十分有限   就《通知》相关问题接受上证报记者采访时,中国人寿总精算师利明光坦言,新规对于中国人寿几乎没有什么影响。   不光对中国人寿影响不大,据记者了解,包括中国平安、新华保险、中国太保、泰康人寿、中国人保、中国太平等原有的市场“老七家”保险公司几乎都没有影响。它们的保费增速低于行业平均水平,但业务结构合理,保费收入没有大起大落。   另有数据显示,今年上半年,万能险保费收入达8103.24亿元,同比增长147.3%,比2015年全年还多出450多亿元。其中,安邦人寿、华夏人寿、前海人寿、君康人寿4家公司的万能险占规模保费比例均超过75%。   一位接近监管部门的权威人士称,新规会对一些激进型的险企有影响。但是,由于设定了具体的监管措施期限,不会对公司及行业带来太大影响。   谈及《通知》出台对人身保险市场的影响时,保监会相关负责人表示,其一,将有效释放行业发展活力;其二,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;其三,将对接消费者真实需求,推进产品差异化发展。THE_END 进入【新浪财经股吧】讨论相关的主题文章: