Universal insurance supervision upgrade risk capital placards tide or will ebb tide-sql server 2000 个人版

Universal insurance regulatory upgrades of venture capital placards tide or will ebb Sina App: Live on-line blogger to guide you to say stocks contest 60 million source: Shenzhen daily [Shenzhen daily news] (reporter Hu Peixia) to make the Vanke equity dispute and raise a Babel of criticism of universal insurance frequently placards listed companies and other events the newly issued by the CIRC, CIRC Chinese "on the further perfection of notice related matters of personal insurance actuarial system" (hereinafter referred to as the "notice") gives the answer. China Insurance Regulatory Commission will substantially control the size of insurance companies to operate short-term insurance products, and greatly enhance the universal insurance protection level, the main insurance companies in the 1~3 market in the middle and short term universal insurance products, will face the pressure of business restructuring and asset reallocation. Venture capital placards began to ebb tide. Yesterday, the China Insurance Regulatory Commission website discloses the "notice", also issued two reporters release. The provisions of the "notice" the most notable include: first, the "notice" requirements, "more than 60% insurance companies expected sales of policyholders survival time in more than 1 years (including 1 years) 3 years (including 3 years) in the short duration of the annual premium income products should be controlled in 2016. Within the overall limit of 90%, 2017 should be controlled within an overall limit of 70%, and 2018 should be controlled within an overall limit of 50% after". "The insurance premiums for the short and short term renewals of the year 2015 are higher than those of the capital and net assets of that year, 2 times as much as that of the insurance companies. Since January 1, 2016, the company has given the company a transitional period of 5 years. During the transition period, the annual premium income of insurance companies should be controlled within the standard amount". Yesterday, the chief actuary of an insurance company in Shenzhen told the Shenzhen Business Daily reporter, "notice" content roughly similar to the previous discussions in the industry, only the short and medium term product survival time transition than previously expected relaxed. It’s good for avoiding systemic risk. Second, in accordance with the provisions of the "notice", from September 2nd onwards, universal insurance insurance rate more than 3% of the products to the CIRC filing; by insurance people 18~40 years of age, the insured person including the universal type of all kinds of personal insurance, the death of the security level of not less than 160%. (41~60 years, above 61 years old, this ratio is 140%, 120%). This level of security has reached the highest level in the world. This means that the cost of insurance companies operating in the short term universal insurance greatly increased. According to the China Insurance Regulatory Commission, insurance must be named as insurance". Third, the notice lowered the universal insurance reserve reserve assessment interest rate. According to the downward trend of the market interest rate, the universal insurance reserve fund will reduce the upper limit of interest rate by 0.5 percentage points to 3%, which is higher than the assessment of the interest rate ceiling of life insurance products and is approved by the China Insurance Regulatory commission. This means that the minimum interest rate for universal insurance is also down to less than 3%, which is higher than that required. The chief actuary told the Shenzhen Business Daily reporter, "notice" to universal insurance business accounted for more than 50%, the solvency adequacy ratio of less than 120% of life insurance companies, will have a greater impact. He is on

万能险监管升级 险资举牌潮或将退潮 新浪财经App:直播上线 博主一对一指导 你说了算 上炒股大赛分掉6000万   来源:深圳商报   【深圳商报讯】(记者 胡佩霞)对闹得沸沸扬扬的万科股权之争以及万能险频频举牌上市公司等事件,保监会以新近印发的《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》(以下简称《通知》)给出了答案。保监会将大幅控制险企经营中短期保险产品的规模,并大幅提升万能险的保障水平,市场上主打1~3年的中短期万能险产品的保险公司,将面临业务转型及资产重新配置压力。险资举牌潮开始退潮了。   昨日,保监会网站公开了《通知》内容,同时配发了两个答记者问通稿。《通知》中最引人注目的规定包括:第一,《通知》要求,“保险公司所销售的预期60%以上的保单存续时间在1年以上(含1年)3年以下(不含3年)的中短存续期产品的年度保费收入,2016年应控制在总体限额的90%以内,2017年应控制在总体限额的70%以内,2018年及以后应控制在总体限额的50%以内”。“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”。   昨日一位总部在深圳的保险公司总精算师告诉深圳商报记者,《通知》内容大致与此前业内商讨的差不多,唯对中短期产品存续时间过渡较此前预期宽松。这对避免系统性风险有益。   第二,按照《通知》的规定,从9月2日起,万能型保险保底利率超过3%的产品需向保监会报备;被保险人为18~40岁年龄段、投保人身保险包括各种名目的万能型人身保险,其死亡保障水平不得低于160%。(41~60岁、61岁以上,这一比例分别为140%、120%)。这一保障水平已处于世界最高水平。这意味着保险公司经营中短期万能险的成本大大增加。按照保监局说法就是“保险必须姓保”。   第三,《通知》下调了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。这意味着万能险的保底利率也下降至3%以下,高于此水准均需报备。   上述总精算师对深圳商报记者称,《通知》对万能险业务占比超过50%,偿付充足率低于120%的寿险公司而言,将会有较大影响。他们需要调整资产配置,会有流动性压力。上市公司举牌潮肯定要退了。不过,万能险保底利率普降对险企有利,如果险企资金成本降下来,就没必要进行高风险的股权投资。一些低风险的中长期债券即可对冲风险。万能险业务也会进入良性循环。 进入【新浪财经股吧】讨论相关的主题文章: