Universal insurance boots finally landing the new regulation will be a long-term favorable capital m-baxia

By , April 16, 2018 10:23 pm

Universal insurance rules boots finally landed long-term favorable capital market 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! The reporter Lu Xiaoping Chen Junling, editor of Chen Yu in recent years, universal insurance grew faster, has accounted for the entire personal insurance market 1/3. The "Wan dispute", Hengda strong intervention caused heated debate, even some radical type insurance firms use universal insurance and placards listed companies behave in the spotlight of public opinion. For a time, universal insurance disputes aroused the attention of raging like a storm, including insurance regulators. This is the 6000 hundreds of millions of insurance funds to withdraw from the stock market, the rumors clarified, the market for personal insurance related to the draft highly concerned about…… Now, the boots finally landed, the insurance regulators also revealed the good intentions of personal insurance, the introduction of new regulations so that investors can "put the heart in my stomach" — the "universal insurance regulations" will be a long-term favorable capital market. Universal insurance rapid development and investment capital market has its inevitability. From the perspective of the origin and development of the insurance industry, the life insurance products have the function of risk protection and long-term savings. Because of this kind of products to meet the needs of society, and has a stable income, high transparency, misleading sales and other characteristics, has been sustained and rapid development. Universal insurance through the capital market operation, in order to obtain investment income, which is in line with international practice, but also in line with its basic attributes. However, the individual company development strategy and management level based on the difference, take a radical way to attract attention, the rapid expansion of the win high-yield, exposing a single business structure and other potential risks. In this context, the China Insurance Regulatory Commission to amend and improve the actuarial system of life insurance, in order to promote its sustained and healthy development. From the regulatory intent to develop policies to see, is to further adhere to the insurance surname protection, enhance the risk of life insurance products to protect the function to meet the growing consumer demand for security. At the same time, it also constantly adjust and optimize the business structure for life insurance companies, to increase the supply side structural reform, further development of risk protection and long-term savings business, hold not a systemic risk to the bottom line. As for fear of universal insurance funds due to strict supervision and withdrawal of the stock market, is somewhat alarmist. Have the authority to reporters calculations: at present our country life insurance registered capital of 550 billion yuan, net assets of 990 billion yuan, according to the "premium income of capital or net assets shall not exceed two times the" ceiling "scale calculation theory, universal insurance funds can have 1 trillion to 2 trillion. Therefore, after rumors of 600 billion yuan withdrawal from the stock market argument, simply untenable. As the CIRC relevant responsible person by a reporter when asked to signal the market: new regulations again raised the risk of life insurance products, the level of protection, to 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相关的主题文章:

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