譯文摘錄（保密內(nèi)容以XXX代替）：
（三）保監(jiān)會發(fā)布《中國保監(jiān)會關(guān)于強化人身保險產(chǎn)品監(jiān)管工作的通知》和《中國保監(jiān)會關(guān)于進一步完善人身保險精算制度有關(guān)事項的通知》
(III) Notice of China Insurance Regulatory Commission on Strengthening the Regulations on the Personal Insurance Products and Notice of China Insurance Regulatory Commission on Matters of Further Perfecting Personal Insurance Actuarial System Issued by China Insurance Regulatory Commission
1.政策內(nèi)容：
Policy content:
《中國保監(jiān)會關(guān)于強化人身保險產(chǎn)品監(jiān)管工作的通知》進一步完善了人身保險產(chǎn)品監(jiān)管框架。在明確人身保險產(chǎn)品實行事后備案和事后抽查管理的基礎(chǔ)上，通過建立和完善產(chǎn)品退出機制、問責(zé)機制、回溯機制和信息披露機制，形成各機制協(xié)調(diào)聯(lián)動、各方各負其責(zé)的監(jiān)管架構(gòu)。
The Notice of China Insurance Regulatory Commission on Strengthening the Regulations on the Personal Insurance Products has further perfected the regulatory framework of the personal insurance products. On the basis of clearly implementing ex post recording and ex post spot check to manage the personal insurance products, and by establishing and improving the product exit mechanism, accountability mechanism, backtracking mechanism and information disclosure mechanism, a regulatory framework of coordination & interaction of mechanisms and respective responsibility for each party is formed.
《中國保監(jiān)會關(guān)于進一步完善人身保險精算制度有關(guān)事項的通知》主要內(nèi)容包括：1）再次提高人身保險產(chǎn)品的風(fēng)險保障水平；2）下調(diào)萬能保險責(zé)任準(zhǔn)備金評估利率；3）對中短存續(xù)期業(yè)務(wù)占比提出比例要求；4）進一步完善中短存續(xù)期產(chǎn)品監(jiān)管政策；5）完善產(chǎn)品設(shè)計有關(guān)監(jiān)管要求；6）強化總精算師責(zé)任。
The Notice of China Insurance Regulatory Commission on Matters of Further Perfecting Personal Insurance Actuarial System mainly includes: 1) further improving the risk guarantee level of the personal insurance products; 2) lowering the evaluation interest rate of reserves for universal insurance liabilities; 3) bringing forward requirements on the proportion of short and medium-duration business; 4) further perfecting the regulatory policy for the short and medium-duration products; 5) perfecting the relevant regulatory requirements on product design; and 6) strengthening responsibilities of the chief actuary.
2.發(fā)布時間：2016年9月2日
Issuing time: Sept. 2nd, 2016
3.實施時間：自發(fā)布之日起
Implementing time: as of the issuing date
4.政策解析:
Policy analysis:
保監(jiān)會近日下發(fā)的兩個人身險監(jiān)管新規(guī)，被視為是今年3月份中短存續(xù)期產(chǎn)品新政的延續(xù)，旨在進一步推進人身保險供給側(cè)結(jié)構(gòu)性改革，使保險業(yè)更好地為實體經(jīng)濟和資本市場輸送長期健康資金。兩項《通知》的出臺主要為了實現(xiàn)三個目的：其一，堵住之前中短存續(xù)期產(chǎn)品限制政策的漏洞，進一步限制中短存續(xù)產(chǎn)品的業(yè)務(wù)規(guī)模；其二，通過各項規(guī)定使保險產(chǎn)品回歸風(fēng)險保障或長期儲蓄的本質(zhì)；其三，強化保險公司在保險產(chǎn)品開發(fā)和管理工作中的組織要求和相關(guān)人員的責(zé)任要求。新規(guī)的實施將產(chǎn)生多方面影響，比較突出的變化將體現(xiàn)在兩個方面：一是一大批現(xiàn)有人身險產(chǎn)品將停售，同時一批新產(chǎn)品將上線；二是部分萬能險或投連險占比過重的險企必須大力調(diào)整業(yè)務(wù)結(jié)構(gòu)，存在較大的轉(zhuǎn)型壓力。具體到保險公司來說，“老七家”保險公司幾乎都沒有影響，它們的保費增速低于行業(yè)平均水平，但業(yè)務(wù)結(jié)構(gòu)合理，保費收入沒有大起大落；而一些激進型的險企的業(yè)務(wù)發(fā)展將受到較大影響，尤其是萬能險或投連險業(yè)務(wù)占比過重的部分中小保險公司。
The two new regulations on the personal insurance as issued by China Insurance Regulatory Commission recently are deemed as the continuation of the new policy for the short and medium-duration products as issued in March this year, which are aimed to further promote the supply-side structural reform of personal insurance and enable the industry insurance to better channel long-term healthy capital to the real economy and capital market. The above two Notices have three purposes: firstly, remedy the restriction policies on short and medium-duration products, and further restrict the business scale of the short and medium-duration products; secondly, restore the insurance products to the essences of risk guarantee or permanent saving through the regulations; and thirdly, strength the organization requirements of the insurance companies during insurance product development and management works and the responsibility requirements for related personnel. The implementation of the new regulations will have influences in many ways, with two distinctive changes in the following two aspects. Firstly, a batch of current personal insurance products will be stopped for selling, and a batch of new products will be put on market; and secondly, the insurance companies with excessive proportion of universal insurance or investment-linked insurance shall adjust the business structure greatly, facing rather huge transformation pressure. As for the insurance companies, the “Old Seven” insurance companies are barely influenced, even though their premium increase is lower than the average level of the industry, their business structure is reasonable, and the premium income is free from radical fluctuation; however, the business development of some radical insurance companies will be greatly affected, especially those small and medium-sized insurance companies with excessive proportion of universal insurance or investment-linked insurance.