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1月10日保险日报:银保监会给养老保险机构及其业务划红线

January 10 Insurance Daily: the Bancassurance Regulatory Commission draws a red line for old-age insurance institutions and their business

新浪財經綜合 ·  Jan 10, 2022 03:30

  The Bancassurance Regulatory Commission draws a red line for old-age insurance institutions and their business.

The Banking and Insurance Regulatory Commission recently issued a notice on standardizing and promoting the development of old-age insurance institutions (hereinafter referred to as "the notice") to carry out "original" supervision of old-age insurance institutions and their business. The notice stresses that, in principle, old-age insurance institutions are not allowed to engage in insurance asset management business, and requires that the insurance asset management business and short-term personal old-age security management products be rectified and cleaned up before a certain time limit.

The reporter combed and found that at present, there are 10 registered commercial old-age insurance companies in China, including Guoshou pension, Taiping pension, Ping an pension, PICC pension, Taikang pension, everyone's pension, Xinhua pension, Yangtze River pension, Hengan standard pension and the National Endowment Insurance Co., Ltd., which has not yet started business.

However, the business of commercial old-age insurance companies has always been "old-age" characteristics is not obvious. In this regard, the notice requires that old-age insurance institutions should be positioned as specialized old-age financial institutions, highlight the characteristics of old-age care, optimize services such as pension financial planning, fund management and risk protection, and enhance their long-term service capacity. establish and improve the internal management system that adapts to the characteristics and development requirements of pension financial business.

On the premise of keeping the risk bottom line, the notice proposes that old-age insurance institutions should focus on strengthening the long-term pension function, reflecting the requirements of life cycle management, innovating the product form and business model of old-age security management business, and standardizing marketing management. steadily promote its development into a real pension financial tool with long-term pension planning and management functions to meet differentiated pension needs.

  The loss Association of Multi-Land Automobile Insurance underwriting has spoken out to discuss ways to reverse the loss.

The comprehensive reform of motor insurance has been implemented for more than a year, and the phased goal of "reducing prices, increasing insurance and improving quality" has achieved remarkable results. While consumers generally benefit, the comprehensive cost rate of auto insurance in some areas is more than 100%, and the auto insurance industry is facing the problem of sustainable development.

According to the reporter's understanding, recently, the Automobile Insurance Professional Committee of a western insurance industry association issued a "proposal for Automobile Insurance Compliance Management", advising local insurers to strictly abide by and consciously implement the local auto insurance self-discipline agreement. standardize the business behavior of the local auto insurance market, constantly strengthen the mechanism of self-control and communication, jointly enhance the industry image and service level, and promote the healthy and sustainable development of the local auto insurance industry. Strive to achieve the overall goal of comprehensive vehicle insurance reform.

  After Wang Bin was investigated, China Life Insurance Company Limited announced that the candidate for the position of acting chairman of the bank will be confirmed in the near future.

On January 9, China Life Insurance Company Limited (30.020,-0.52,-1.70%) Insurance Co., Ltd. (China Life Insurance Company Limited, 601628.SH 2628.HK) issued a notice that the company's operation and management is normal and will hold a board meeting in the near future to determine the candidates for the post of chairman.

Wang Bin, party committee secretary and chairman of China Life Insurance Company Limited Group, is suspected of serious violations of discipline and the law, according to a message posted on the website of the Central Commission for discipline Inspection and the State Supervisory Commission. It is currently under disciplinary examination and supervision investigation by the State Supervisory Commission of the Central Commission for discipline Inspection.

Disclaimer: This content is for informational and educational purposes only and does not constitute a recommendation or endorsement of any specific investment or investment strategy. Read more
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