China Insurance Regulatory Commission intends to tighten the risk of universal life insurance regula queer as folk

China Insurance Regulatory Commission intends to tighten the risk of universal life insurance regulatory insurance companies have lowered the interest rate of 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! Following the March this year, the CIRC proposed for short-term duration product supervision opinions, recently CIRC will amend the relevant management measures, strict supervision of short duration product size etc.. People close to the regulators yesterday on the Nandu reporters, the morning of August 23rd, the China Insurance Regulatory Commission convened a number of insurance companies held a meeting, but the media rumors "on the strengthening of the personal insurance actuarial management matters related to notice (Draft)" and "on the further strengthening of the supervision of personal insurance products related matters notice (Draft)" there is no draft. In fact, some insurance companies in the first quarter has been in the active control of the short deposit renewal product sales scale. Another concern is that, in the case of interest rates down, some insurance companies universal insurance rates have been significantly lower. Regulatory tightening again CIRC chairman Xiang Junbo recently said "never to do not really insurance, just want to fish in troubled waters the opportunity, regulators believe that some insurance firms investment behavior occurred recently, has deviated from the prudent investment philosophy, especially some of the insurance funds become the major shareholder of the" concerted action ", blind invest to some irrelevant industries, these behaviors or will be subject to certain norms and constraints. CIRC chairman in the days before the statement, has made the market expected to start insurance companies in product development, funds and other aspects of another round of tightening. People close to the regulators in Nandu said that the morning of August 23rd, the China Insurance Regulatory Commission convened a number of insurance companies held a meeting, but the media rumors "on the strengthening of the personal insurance actuarial management matters related to notice (Draft)" and "on further strengthen insurance products regulatory matters related to notice (comments draft)" there is no draft. Yesterday, the reporter consulted a number of insurance companies in Nandu, the answer is not received draft. The media to strengthen supervision of the direction, reflected in the high price of universal insurance three years before the surrender shall be fined (incremental premium); life insurance annuity guaranteed interest rate is higher than 3% 3  the.45% sent to the CIRC for approval (incremental premium); life insurance policy guarantee amount shall not be less than the account value of 200% (incremental policy). The CIRC will eventually form the draft regulations will pay attention to the above requirements. Tighter regulation of all aspects of the insurance company will limit the growth of small and medium sized insurance companies and insurance premium investment scale, but can effectively prevent the spread loss risk, mismatch risk and cash flow risk." Haitong Securities analyst Sun Ting said. In short duration to further limit the size of the product, including the policy of the transition period is shortened, cancellation of insurance, mandatory collection of strengthening actuarial assumptions management, including lower interest rate, these measures will curb premium growth, increase sales difficulty. Insurance firms surrender radical pressure in fact, strengthen supervision of small and medium-sized insurance companies is really bad. 2016 1 to 7相关的主题文章: