亚洲色欲色欲www,精品久久亚洲中文无码,午夜做爰xxxⅹ性高湖视频美国,藏獒又硬又粗进去好爽a片免费

(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：

1. Policy content:

《中國(guó)保監(jiān)會(huì)關(guān)于強(qiáng)化人身保險(xiǎn)產(chǎn)品監(jiān)管工作的通知》進(jìn)一步完善了人身保險(xiǎn)產(chǎn)品監(jiān)管框架。在明確人身保險(xiǎn)產(chǎn)品實(shí)行事后備案和事后抽查管理的基礎(chǔ)上，通過(guò)建立和完善產(chǎn)品退出機(jī)制、問(wèn)責(zé)機(jī)制、回溯機(jī)制和信息披露機(jī)制，形成各機(jī)制協(xié)調(diào)聯(lián)動(dòng)、各方各負(fù)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(guó)保監(jiān)會(huì)關(guān)于進(jìn)一步完善人身保險(xiǎn)精算制度有關(guān)事項(xiàng)的通知》主要內(nèi)容包括：1）再次提高人身保險(xiǎn)產(chǎn)品的風(fēng)險(xiǎn)保障水平；2）下調(diào)萬(wàn)能保險(xiǎn)責(zé)任準(zhǔn)備金評(píng)估利率；3）對(duì)中短存續(xù)期業(yè)務(wù)占比提出比例要求；4）進(jìn)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(jì)有關(guān)監(jiān)管要求；6）強(qiáng)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(shí)間：2016年9月2日

2. Issuing time: Sept. 2^nd, 2016

3.實(shí)施時(shí)間：自發(fā)布之日起

3. Implementing time: as of the issuing date

4.政策解析:

4. Policy analysis:

保監(jiān)會(huì)近日下發(fā)的兩個(gè)人身險(xiǎn)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(jìn)一步推進(jìn)人身保險(xiǎn)供給側(cè)結(jié)構(gòu)性改革，使保險(xiǎn)業(yè)更好地為實(shí)體經(jīng)濟(jì)和資本市場(chǎng)輸送長(zhǎng)期健康資金。兩項(xiàng)《通知》的出臺(tái)主要為了實(shí)現(xiàn)三個(gè)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(jìn)一步限制中短存續(xù)產(chǎn)品的業(yè)務(wù)規(guī)模；其二，通過(guò)各項(xiàng)規(guī)定使保險(xiǎn)產(chǎn)品回歸風(fēng)險(xiǎn)保障或長(zhǎng)期儲(chǔ)蓄的本質(zhì)；其三，強(qiáng)化保險(xiǎn)公司在保險(xiǎn)產(chǎn)品開(kāi)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(shí)施將產(chǎn)生多方面影響，比較突出的變化將體現(xiàn)在兩個(gè)方面：一是一大批現(xiàn)有人身險(xiǎn)產(chǎn)品將停售，同時(shí)一批新產(chǎn)品將上線；二是部分萬(wàn)能險(xiǎn)或投連險(xiǎn)占比過(guò)重的險(xiǎn)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(xiǎn)公司來(lái)說(shuō)，“老七家”保險(xiǎn)公司幾乎都沒(méi)有影響，它們的保費(fèi)增速低于行業(yè)平均水平，但業(yè)務(wù)結(jié)構(gòu)合理，保費(fèi)收入沒(méi)有大起大落；而一些激進(jìn)型的險(xiǎn)企的業(yè)務(wù)發(fā)展將受到較大影響，尤其是萬(wàn)能險(xiǎn)或投連險(xiǎn)業(yè)務(wù)占比過(guò)重的部分中小保險(xiǎn)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.