China Insurance Regulatory Commission strengthens supervision and requires universal insurance to es bree daniels

CIRC universal insurance to establish a separate accounting system Sina fund exposure table requirements: to strengthen the supervision of 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! Guangzhou Daily News (reporter Zhou Hui) yesterday, the official website of the CIRC issued new regulations "personal insurance clauses and rates of management measures" (hereinafter referred to as the "measures"), require the insurance company to universal insurance to establish a separate accounting system, separate management universal account; cut down at the same time universal insurance reserve assessment rates, and in short renewal business accounted for the proportion of. China Insurance Regulatory Commission pointed out that the "measures" once again improve the risk guarantee level of life insurance products. In the lowest proportion of life insurance premium rate market reform, the insurance amount and premium account or value requirements increased from 105% to 120%, the proportion will further death insurance amount of personal insurance products main age requirements increased from 120% to 160%, the risk of security requirements exceeds the requirements of main countries and regions of the world insurance supervision department. In addition, the method also lowered the universal insurance reserve assessment interest rate. According to the market interest rates down, the universal insurance reserve assessment rates by 0.5 percentage points to 3%, higher than the interest rate cap of the assessment of personal insurance products submitted to the CIRC for approval Chinese, prevent the spread risk, and enhance the ability of insurance companies to fulfill its contractual obligations. At the same time, in order to encourage the development of risk protection business, the average life insurance product evaluation rate remained unchanged 3.5%. The effective release of industry vitality in the company of short duration for business, since the beginning of 2019 short duration business accounted for no more than 50%, 2020 and 2021 and further to 40% and 30%, leading some insurance companies to gradually adjust the business structure, to avoid the formation of cash flow risk. 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, to prevent insurance companies through investment linked insurance, insurance, loans and other ways to avoid additional risks in short duration product supervision policy. Insiders pointed out that the "measures" will effectively release the vitality of the development of the industry. Through the product development and design rights back to the market, shorten the cycle from development to market, give full play to the independence of operation of insurance companies, further emancipate and develop the productive forces of personal insurance. In addition, the real needs of the docking consumers, promote product differentiation development. CIRC relevant responsible person said that with the rapid development of the insurance market, the main insurance product development increasingly diversified, development and management of products have also been some new situations and new problems. First, the variety of products, to meet the real needs of consumers less. Two are homogeneous products, differentiated, personalized products less. Three is the number of products for the record, there are less productive products. Based on this, in order to strengthen the supervision of personal insurance products, standardize product development and design, prevent product risks, and further promote the theory of personal insurance

保监会强化监管 要求万能险建立单独核算制度 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!   广州日报讯 (记者周慧)昨日,保监会官网发布新规《人身保险条款和费率管理办法》(以下简称《办法》),要求保险公司对万能型保险要建立单独核算制度,单独管理万能账户;同时下调万能保险责任准备金评估利率,并对中短存续期业务占比提出比例要求。    保监会指出,《办法》再次提高人身保险产品的风险保障水平。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%,此次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世界主要国家和地区保险监管部门要求。    此外,《办法》还下调万能保险责任准备金评估利率。根据市场利率下行情况,将万能保险责任准备金评估利率上限下调0.5个百分点至3%,高于评估利率上限的人身保险产品报中国保监会审批,防范利差损风险,并增强保险公司未来履行合同义务的能力。同时,为鼓励发展风险保障类业务,普通型人身保险产品评估利率维持3.5%不变。    将有效释放行业发展活力    在公司中短存续期业务方面,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%,引导部分保险公司逐步调整业务结构,避免形成现金流风险。将投资连结保险产品纳入中短存续期产品的规范范围,要求保单贷款比例不得高于现金价值或账户价值的80%,对附加万能保险和附加投资连结保险进行单独评估,防止保险公司通过投资连结保险、保单贷款、附加险等方式规避中短存续期产品监管政策。     业内人士指出,《办法》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。此外,将对接消费者真实需求,推进产品差异化发展。    保监会相关负责人指出,随着保险市场的快速发展,人身保险产品开发主体日益多元化,产品开发管理工作也出现了一些新情况、新问题。一是产品种类多,满足消费者真实需求的少。二是同质化产品多,差异化、个性化产品少。三是备案产品数量多,有产能的产品少。基于此,为强化人身保险产品监管,规范产品开发设计,防范产品风险,进一步推进人身保险供给侧结构性改革。 进入【新浪财经股吧】讨论相关的主题文章:

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