銀(yin)保(bao)監會(hui)網站1月12日消息，日前(qian)銀(yin)保(bao)監會(hui)發布(bu)了《人(ren)身保(bao)險公司監管主(zhu)體職責改革方案(an)》，自2021年2月1日起施(shi)行(xing)，銀(yin)保(bao)監會(hui)將直接監管39家人(ren)身保(bao)險公司。

　　監管職責分工明確

　　《方(fang)案(an)》綜合考慮公(gong)(gong)司(si)系統重要性、資產規(gui)模、風險(xian)狀況等指標，將91家(jia)人身保(bao)(bao)(bao)險(xian)公(gong)(gong)司(si)劃分為銀(yin)保(bao)(bao)(bao)監(jian)(jian)(jian)(jian)會直(zhi)(zhi)接監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)和(he)銀(yin)保(bao)(bao)(bao)監(jian)(jian)(jian)(jian)局屬(shu)(shu)地監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)兩類(lei)。其中(zhong)，銀(yin)保(bao)(bao)(bao)監(jian)(jian)(jian)(jian)會直(zhi)(zhi)接監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)39家(jia)公(gong)(gong)司(si)，銀(yin)保(bao)(bao)(bao)監(jian)(jian)(jian)(jian)局屬(shu)(shu)地監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)52家(jia)公(gong)(gong)司(si)。而(er)在《方(fang)案(an)》實施(shi)前，人身保(bao)(bao)(bao)險(xian)公(gong)(gong)司(si)均(jun)由銀(yin)保(bao)(bao)(bao)監(jian)(jian)(jian)(jian)會直(zhi)(zhi)接監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)。

　　《方(fang)案(an)》還(huan)對銀(yin)保(bao)(bao)監(jian)(jian)(jian)(jian)會、銀(yin)保(bao)(bao)監(jian)(jian)(jian)(jian)局(ju)的(de)監(jian)(jian)(jian)(jian)管(guan)(guan)職(zhi)責進(jin)行了明確分工。其中，銀(yin)保(bao)(bao)監(jian)(jian)(jian)(jian)會統籌整體(ti)監(jian)(jian)(jian)(jian)管(guan)(guan)政(zheng)策；銀(yin)保(bao)(bao)監(jian)(jian)(jian)(jian)會、銀(yin)保(bao)(bao)監(jian)(jian)(jian)(jian)局(ju)分別承擔(dan)直接監(jian)(jian)(jian)(jian)管(guan)(guan)公(gong)司(si)(si)和(he)屬地監(jian)(jian)(jian)(jian)管(guan)(guan)公(gong)司(si)(si)的(de)行政(zheng)許可事項、日常(chang)監(jian)(jian)(jian)(jian)管(guan)(guan)職(zhi)責。《方(fang)案(an)》同(tong)時明確銀(yin)保(bao)(bao)監(jian)(jian)(jian)(jian)局(ju)負(fu)責人身(shen)保(bao)(bao)險(xian)公(gong)司(si)(si)在轄內設立(li)（籌建、開業）、撤銷(xiao)省級(ji)分公(gong)司(si)(si)審批(pi)工作(zuo)和(he)其他(ta)分支(zhi)機構(gou)改建為省級(ji)分公(gong)司(si)(si)審批(pi)工作(zuo)。

　　此前，銀(yin)(yin)(yin)保監會(hui)(hui)印(yin)發《中國(guo)銀(yin)(yin)(yin)保監會(hui)(hui)辦公(gong)(gong)廳關(guan)(guan)于授權(quan)派(pai)出機(ji)構實施部分行(xing)政許(xu)可事(shi)(shi)項的通(tong)知》。此次改革之(zhi)后，直接(jie)監管(guan)公(gong)(gong)司相(xiang)關(guan)(guan)行(xing)政許(xu)可事(shi)(shi)項由(you)銀(yin)(yin)(yin)保監會(hui)(hui)辦理，屬地監管(guan)公(gong)(gong)司的相(xiang)關(guan)(guan)行(xing)政許(xu)可事(shi)(shi)項由(you)銀(yin)(yin)(yin)保監局辦理。

　　統籌系統監管資源

　　銀保監會相關負責(ze)(ze)人(ren)表示(shi)，《方案》的制訂(ding)是為了(le)強化人(ren)身保險公司(si)機構(gou)監管，統籌系(xi)統監管資源(yuan)，發揮派(pai)出機構(gou)屬地優勢，更全面準(zhun)確把握單體(ti)機構(gou)風險，遵循了(le)“統一規(gui)制、明確職責(ze)(ze)、事(shi)權分級、失(shi)職問責(ze)(ze)”的總體(ti)原則。

　　統(tong)一(yi)規制(zhi)上，人(ren)(ren)身保(bao)(bao)險公司監(jian)管(guan)遵(zun)循(xun)銀保(bao)(bao)監(jian)會制(zhi)定的(de)統(tong)一(yi)監(jian)管(guan)規制(zhi)，銀保(bao)(bao)監(jian)會、各銀保(bao)(bao)監(jian)局同步落實各項監(jian)管(guan)要(yao)求，對(dui)人(ren)(ren)身保(bao)(bao)險公司實施統(tong)一(yi)的(de)監(jian)管(guan)標準，確(que)保(bao)(bao)監(jian)管(guan)一(yi)致性(xing)、有效性(xing)和協調(diao)性(xing)。

　　明確職責上，把守住(zhu)不發生系(xi)統性風險(xian)底(di)線(xian)放在(zai)突(tu)出(chu)位置，清晰劃分人身(shen)保(bao)險(xian)公(gong)司監(jian)(jian)管職責。銀保(bao)監(jian)(jian)會對直接監(jian)(jian)管公(gong)司承(cheng)擔監(jian)(jian)管責任，各銀保(bao)監(jian)(jian)局對所承(cheng)接屬(shu)地(di)監(jian)(jian)管公(gong)司承(cheng)擔監(jian)(jian)管責任。

　　事(shi)權(quan)分級(ji)上(shang)，結合人(ren)身保(bao)(bao)險公司經營特(te)征和風險狀況，將行業影響較(jiao)大、風險把控(kong)難度較(jiao)大的監(jian)(jian)管(guan)事(shi)權(quan)保(bao)(bao)留在(zai)銀保(bao)(bao)監(jian)(jian)會(hui)，日常監(jian)(jian)管(guan)事(shi)權(quan)授權(quan)各銀保(bao)(bao)監(jian)(jian)局(ju)承擔。銀保(bao)(bao)監(jian)(jian)會(hui)與各銀保(bao)(bao)監(jian)(jian)局(ju)加強上(shang)下聯動、橫向協作，切實防(fang)控(kong)風險。

　　失職(zhi)問責(ze)(ze)上，銀保(bao)(bao)監會與各銀保(bao)(bao)監局各司其職(zhi)，充分履行對所屬人身(shen)保(bao)(bao)險公司的監管(guan)職(zhi)責(ze)(ze)。所監管(guan)機構(gou)出現重大風險和(he)問題，存(cun)在失職(zhi)、瀆(du)職(zhi)的，將依法依規嚴(yan)肅(su)追責(ze)(ze)。