129784668098022500_85China insurance regulatory Commission Kai II meet regulatory standards are expected to ease the tide of risk and enterprise financing
Insurance solvency regulation will be a "new standard". Yesterday, the China insurance regulatory Commission disclosed solvency regulation intends to push the second generation standard. Analysis of the industry, this "new standard" is likely to be imposed on the different companies, different types of insurance solvency regulation of differentiation, which may mitigate some unnecessary risks and enterprise's financing needs. "The new national standard" 3-5 was finalized yesterday, the China insurance regulatory CommissionThe second generation of solvency regulation system of China construction plans. According to the plan, China insurance regulatory Commission will gradually establish a set of standards more in line with China's development of a new generation of insurance supervision, solvency regulation "new standard". Solvency of insurance companies the ability to repay the debt, has become the core of the modern insurance regulation. At present, the "new standard" has been started for the development
tera power leveling,And launch a schedule, plan officially introduced in 3-5 implementation. China insurance regulatory Commission officials explained, "the new national standard" is strengthening rather than relax supervision of solvency, but more scientific supervision, "the new national standard" will improve the financial viability of insurance companies, ensure the solvency of insurance companies have sufficient performance claims and payment responsibility, fundamentally to protect insurance consumers' Core interests, tamping the foundation of sound management and sustainable development of the industry and to improve the ability of preventing and reducing the risk of industry, effectively preventing and reducing risk of transmission between insurance and other financial sectors, promote stability in the financial markets. Appropriate timing of China insurance regulatory Commission established in 2003 an initial framework for solvency regulation system. 2008 financial crisisAfter the outbreak, drawing on EU experience and solvency ratios of normal reference from 100% per cent. However, with the development of China's insurance industry, industry for the introduction of solvency regulation indexes of the dispute continued. Hao Yansu think Dean, Central University of finance and insurance, deviate from the conditions and doctrine will apply international rules restricting development of the industry. It is learned that in ChinaBefore a unified model of insurance companies solvency requirements, whether property or life insurance, applicable to all 150% the standard. However due to the different risks to the insurance structure, this model began to be challenged more and more. Some analysts have pointed out that, in casualty risks of agricultural insurance and automobile insurance in different, life insurance protection in Xianzhong and financial-insurance riskUnlike the capital requirements should also vary. Therefore, in the eyes of analysts, due to congenital defects introduced the old standards, plus the speed of the development of China's insurance industry is far higher than in mature markets in the West, therefore developed a new solvency standards to meet the needs of their, a need for industry development. Blood pressure every April is expected to ease the risks and enterprise are insurance companiesSolvency ratios the disclosures of the deadline, some companies of capital commensurate with the scale of business does not seek blood channels. But in fact, because of the different insurance companies focused on, risk structures are different, bring capital and the blood tends to be wasted. An insurance company Executive explained: domestic insurance companies underwriting with no sign of systemic risk, and the product is setCare for care, increasing registered capital, or subsidiary capital, can only lead to a lot of money wasted idle. However, this situation is expected to be "the new national standard" introduction of eased after. China insurance regulatory Commission officials explained, "the new national standard" will further refine the risk classification, accurately measuring all kinds of risks, solvency and risk situation closely together, increase the solvency system for riskSensitivity, fully reflects the risk profile of an insurance company. Analysts believe that "different insurance products may be made in the future capital was mixed. In short
tera power leveling, focused on investment-insurance solvency requirements are likely to increase, and focuses on solvency requirements for insurance protection class are likely to reduce. Blood pressure it can alleviate some of the risk and enterprise. Benefit from someInsurance companies
tera gold, there is no additional core capital on a large scale, its financing pressures becomes light ".
Others:
No comments:
Post a Comment