償二代(dai)二期工程來(lai)了!重點解決保險公司資本不實、非理性舉牌等(deng)問題(ti)
中新經緯客(ke)戶(hu)端9月20日(ri)電 保監(jian)會網站20日(ri)印發《償(chang)二(er)(er)(er)代(dai)二(er)(er)(er)期工(gong)程(cheng)建(jian)(jian)設(she)方(fang)案(an)》(簡稱(cheng)《建(jian)(jian)設(she)方(fang)案(an)》)。償(chang)二(er)(er)(er)代(dai)二(er)(er)(er)期工(gong)程(cheng)計(ji)劃用三年左右的時間(jian),通過(guo)完善監(jian)管規則(ze)、健全(quan)運行機制、加強監(jian)管合作,進(jin)一步推動償(chang)二(er)(er)(er)代(dai)的扎實落地和全(quan)面升級。
據了(le)(le)(le)解,償二代自2016年正式實施以來,推動我國(guo)保險(xian)(xian)(xian)(xian)(xian)(xian)監(jian)管(guan)(guan)(guan)和保險(xian)(xian)(xian)(xian)(xian)(xian)市場(chang)發(fa)生了(le)(le)(le)一(yi)系列深刻變化。一(yi)是(shi)推進了(le)(le)(le)保險(xian)(xian)(xian)(xian)(xian)(xian)監(jian)管(guan)(guan)(guan)現代化建(jian)設,建(jian)立(li)了(le)(le)(le)以風險(xian)(xian)(xian)(xian)(xian)(xian)為(wei)導(dao)向(xiang)、符合我國(guo)實際并(bing)與國(guo)際接軌(gui)的三支柱(zhu)償付能力監(jian)管(guan)(guan)(guan)體系;二是(shi)促進了(le)(le)(le)保險(xian)(xian)(xian)(xian)(xian)(xian)業增(zeng)(zeng)強風險(xian)(xian)(xian)(xian)(xian)(xian)管(guan)(guan)(guan)理(li)意識(shi),提升風險(xian)(xian)(xian)(xian)(xian)(xian)管(guan)(guan)(guan)理(li)水(shui)平,增(zeng)(zeng)強風險(xian)(xian)(xian)(xian)(xian)(xian)抵御能力;三是(shi)促進了(le)(le)(le)行業轉型升級(ji),將風險(xian)(xian)(xian)(xian)(xian)(xian)因素和價值導(dao)向(xiang)注入保險(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司經(jing)營管(guan)(guan)(guan)理(li)各環節,引(yin)導(dao)行業回(hui)歸本源,服務(wu)實體經(jing)濟(ji);四(si)是(shi)增(zeng)(zeng)強了(le)(le)(le)我國(guo)保險(xian)(xian)(xian)(xian)(xian)(xian)監(jian)管(guan)(guan)(guan)和保險(xian)(xian)(xian)(xian)(xian)(xian)市場(chang)的國(guo)際影(ying)響力,為(wei)國(guo)際監(jian)管(guan)(guan)(guan)規則(ze)制定和全球(qiu)保險(xian)(xian)(xian)(xian)(xian)(xian)業治理(li)提供(gong)了(le)(le)(le)新興市場(chang)經(jing)驗(yan)。
《建設方(fang)案(an)》指出,二(er)(er)期工程建設的總體目標是(shi)(shi):一是(shi)(shi)堅(jian)持風(feng)(feng)險(xian)(xian)(xian)導(dao)向,提(ti)高(gao)償付能力(li)(li)監(jian)(jian)管(guan)(guan)(guan)制(zhi)度體系的風(feng)(feng)險(xian)(xian)(xian)針對(dui)性(xing),進一步擴大(da)風(feng)(feng)險(xian)(xian)(xian)覆蓋面,提(ti)高(gao)風(feng)(feng)險(xian)(xian)(xian)計量的科(ke)學性(xing)和風(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理的有效性(xing),更加(jia)(jia)及時、恰當地反(fan)映保險(xian)(xian)(xian)業(ye)償付能力(li)(li)狀況和風(feng)(feng)險(xian)(xian)(xian)變化(hua)情況;二(er)(er)是(shi)(shi)堅(jian)持問題導(dao)向,治亂象,降(jiang)杠桿,強(qiang)執行(xing),從嚴(yan)從實加(jia)(jia)強(qiang)資本(ben)約束,加(jia)(jia)大(da)監(jian)(jian)管(guan)(guan)(guan)政(zheng)策傳導(dao)力(li)(li)度,提(ti)高(gao)保險(xian)(xian)(xian)業(ye)風(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理水(shui)平(ping)和風(feng)(feng)險(xian)(xian)(xian)抵御能力(li)(li);三是(shi)(shi)堅(jian)持開放導(dao)向,積(ji)極向國(guo)際(ji)(ji)審(shen)慎監(jian)(jian)管(guan)(guan)(guan)規則和金融治理體系提(ti)供中國(guo)經驗和中國(guo)方(fang)案(an),不斷加(jia)(jia)強(qiang)國(guo)內監(jian)(jian)管(guan)(guan)(guan)合作與(yu)國(guo)際(ji)(ji)監(jian)(jian)管(guan)(guan)(guan)合作,防范(fan)跨(kua)(kua)市(shi)場(chang)、跨(kua)(kua)領域、跨(kua)(kua)地區(qu)交叉性(xing)金融風(feng)(feng)險(xian)(xian)(xian);四(si)是(shi)(shi)堅(jian)持前瞻導(dao)向,密切(qie)跟蹤(zong)金融科(ke)技(ji)發展新(xin)(xin)趨勢(shi),不斷提(ti)高(gao)監(jian)(jian)管(guan)(guan)(guan)科(ke)技(ji)水(shui)平(ping),研究(jiu)探索(suo)新(xin)(xin)科(ke)技(ji)條件下(xia)保險(xian)(xian)(xian)業(ye)審(shen)慎監(jian)(jian)管(guan)(guan)(guan)的新(xin)(xin)理念、新(xin)(xin)方(fang)法和新(xin)(xin)工具(ju)。
《建(jian)設方(fang)案》明確,重點解決當前存在(zai)保險公司資(zi)本不實(shi)、關聯交易復雜(za)、資(zi)產(chan)不實(shi)、多層嵌套導致底層資(zi)產(chan)不清、產(chan)品不透明、非理性(xing)舉牌問題、局部流動(dong)性(xing)風險突出、保障功能(neng)(neng)發(fa)揮不足(zu)等(deng)問題和制度(du)漏洞。健全(quan)運行機(ji)制包(bao)括6項具體(ti)任(ren)務,旨在(zai)確保償(chang)二代實(shi)施(shi)到位,增(zeng)強(qiang)償(chang)付能(neng)(neng)力(li)(li)監(jian)管(guan)(guan)的(de)(de)執行力(li)(li)。包(bao)括建(jian)立(li)常態化(hua)、多元化(hua)的(de)(de)償(chang)付能(neng)(neng)力(li)(li)數據真實(shi)性(xing)檢查制度(du),逐步建(jian)立(li)多維、立(li)體(ti)、開放的(de)(de)償(chang)付能(neng)(neng)力(li)(li)風險分析監(jian)測體(ti)系,跟蹤云計(ji)算、大數據、人(ren)工(gong)智能(neng)(neng)、區塊鏈等(deng)金融科技的(de)(de)發(fa)展趨(qu)勢,開展監(jian)管(guan)(guan)科技的(de)(de)應用研究等(deng)。加強(qiang)監(jian)管(guan)(guan)合作包(bao)括5項具體(ti)任(ren)務,推動(dong)國(guo)內(nei)監(jian)管(guan)(guan)合作與國(guo)際監(jian)管(guan)(guan)合作。
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