中(zhong)證(zheng)網(wang)訊(xun) 保(bao)(bao)監會網(wang)站1月17日消息,保(bao)(bao)監會公(gong)(gong)布2017年償付能(neng)力風險(xian)管理能(neng)力現(xian)場評估(SARMRA)結果(guo)顯(xian)示,保(bao)(bao)險(xian)公(gong)(gong)司(si)風險(xian)管理意識不斷增強(qiang),保(bao)(bao)險(xian)公(gong)(gong)司(si)普遍(bian)通(tong)過完善(shan)(shan)風險(xian)管理組織(zhi)架構(gou)、加強(qiang)人員配備、健全風險(xian)管理體系、建設風險(xian)管理系統等方式,有效提升了公(gong)(gong)司(si)風險(xian)管理能(neng)力。下(xia)一步,保(bao)(bao)監會將不斷完善(shan)(shan)評估規則和評估機制,持續推動行業(ye)提升風險(xian)管理能(neng)力,牢守不發生(sheng)系統性(xing)金融風險(xian)的底線(xian)。
附:
保監會2017年SARMRA評估顯示保險業風險管理能(neng)力穩步提升(sheng)
按照黨中央國(guo)務(wu)院防控金融風險(xian)(xian)的(de)精神和“1+4”系列文件要求,保監會于(yu)2017年(nian)(nian)6月至12月對(dui)139家(jia)保險(xian)(xian)公司(si)(si)開(kai)展了(le)(le)償付(fu)能力(li)風險(xian)(xian)管理(li)能力(li)現場評(ping)估(gu)(gu)(SARMRA),確定了(le)(le)各公司(si)(si)評(ping)估(gu)(gu)得分,順利完成2017年(nian)(nian)評(ping)估(gu)(gu)工作。評(ping)估(gu)(gu)結果顯示(shi),保險(xian)(xian)公司(si)(si)風險(xian)(xian)管理(li)意(yi)識不斷增強(qiang),普遍(bian)通(tong)過完善風險(xian)(xian)管理(li)組(zu)織架構、加強(qiang)人員配備、健全風險(xian)(xian)管理(li)體系、建設風險(xian)(xian)管理(li)系統等方式,有(you)效提升了(le)(le)公司(si)(si)的(de)風險(xian)(xian)管理(li)能力(li)。
償二代正式實施以(yi)來,保監會已經在2016年(nian)(nian)(nian)和2017年(nian)(nian)(nian)連續(xu)兩年(nian)(nian)(nian)開展(zhan)了SARMRA評(ping)估(gu)(gu)(gu)工作,分(fen)(fen)(fen)(fen)別評(ping)估(gu)(gu)(gu)了160家(jia)(jia)(jia)(jia)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)和139家(jia)(jia)(jia)(jia)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si),全行業(ye)共有(you)(you)172家(jia)(jia)(jia)(jia)保險(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)獲得(de)(de)了SARMRA評(ping)估(gu)(gu)(gu)得(de)(de)分(fen)(fen)(fen)(fen)。從(cong)2017年(nian)(nian)(nian)最新的評(ping)估(gu)(gu)(gu)得(de)(de)分(fen)(fen)(fen)(fen)、區間(jian)分(fen)(fen)(fen)(fen)布(bu)以(yi)及變化狀況來看(kan),保險(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)風(feng)險(xian)(xian)(xian)管理能力持(chi)續(xu)提(ti)(ti)升(sheng)(sheng)(sheng)(sheng)。從(cong)平(ping)(ping)均分(fen)(fen)(fen)(fen)看(kan),172家(jia)(jia)(jia)(jia)保險(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)2017年(nian)(nian)(nian)的平(ping)(ping)均得(de)(de)分(fen)(fen)(fen)(fen)為75.45分(fen)(fen)(fen)(fen),比(bi)(bi)2016年(nian)(nian)(nian)提(ti)(ti)升(sheng)(sheng)(sheng)(sheng)1.43分(fen)(fen)(fen)(fen)。其中(zhong),82家(jia)(jia)(jia)(jia)產(chan)險(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)平(ping)(ping)均分(fen)(fen)(fen)(fen)為72.84分(fen)(fen)(fen)(fen),比(bi)(bi)2016年(nian)(nian)(nian)提(ti)(ti)升(sheng)(sheng)(sheng)(sheng)2.12分(fen)(fen)(fen)(fen);77家(jia)(jia)(jia)(jia)人身險(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)平(ping)(ping)均分(fen)(fen)(fen)(fen)為77.34分(fen)(fen)(fen)(fen),比(bi)(bi)2016年(nian)(nian)(nian)提(ti)(ti)升(sheng)(sheng)(sheng)(sheng)0.99分(fen)(fen)(fen)(fen);13家(jia)(jia)(jia)(jia)再保險(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)平(ping)(ping)均分(fen)(fen)(fen)(fen)為80.76分(fen)(fen)(fen)(fen),比(bi)(bi)2016年(nian)(nian)(nian)下(xia)(xia)降1.2分(fen)(fen)(fen)(fen)。從(cong)得(de)(de)分(fen)(fen)(fen)(fen)分(fen)(fen)(fen)(fen)布(bu)區間(jian)看(kan),全行業(ye)172家(jia)(jia)(jia)(jia)保險(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)中(zhong),得(de)(de)分(fen)(fen)(fen)(fen)高于80分(fen)(fen)(fen)(fen)的公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)有(you)(you)47家(jia)(jia)(jia)(jia),比(bi)(bi)2016年(nian)(nian)(nian)增加(jia)12家(jia)(jia)(jia)(jia);得(de)(de)分(fen)(fen)(fen)(fen)在70分(fen)(fen)(fen)(fen)到(dao)80分(fen)(fen)(fen)(fen)的有(you)(you)97家(jia)(jia)(jia)(jia);得(de)(de)分(fen)(fen)(fen)(fen)70分(fen)(fen)(fen)(fen)以(yi)下(xia)(xia)的公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)僅有(you)(you)28家(jia)(jia)(jia)(jia),占比(bi)(bi)不到(dao)20%。從(cong)得(de)(de)分(fen)(fen)(fen)(fen)變化看(kan),雖然(ran)行業(ye)整體風(feng)險(xian)(xian)(xian)管理水平(ping)(ping)穩步提(ti)(ti)升(sheng)(sheng)(sheng)(sheng),但不同公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)存在差異,得(de)(de)分(fen)(fen)(fen)(fen)有(you)(you)升(sheng)(sheng)(sheng)(sheng)有(you)(you)降。參加(jia)2017年(nian)(nian)(nian)評(ping)估(gu)(gu)(gu)的139家(jia)(jia)(jia)(jia)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)中(zhong),剔除首次參加(jia)評(ping)估(gu)(gu)(gu)的14家(jia)(jia)(jia)(jia)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si),有(you)(you)80家(jia)(jia)(jia)(jia)保險(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)的得(de)(de)分(fen)(fen)(fen)(fen)較2016年(nian)(nian)(nian)有(you)(you)所提(ti)(ti)升(sheng)(sheng)(sheng)(sheng),有(you)(you)45家(jia)(jia)(jia)(jia)保險(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)的得(de)(de)分(fen)(fen)(fen)(fen)較2016年(nian)(nian)(nian)有(you)(you)所下(xia)(xia)降。
SARMRA是償二(er)(er)代第二(er)(er)支柱的(de)重要內(nei)容,其將保險(xian)(xian)(xian)公(gong)司的(de)風險(xian)(xian)(xian)管理(li)能力(li)與資(zi)本(ben)要求相掛鉤(gou):公(gong)司的(de)風險(xian)(xian)(xian)管理(li)能力(li)越(yue)(yue)強,資(zi)本(ben)要求越(yue)(yue)低;風險(xian)(xian)(xian)管理(li)能力(li)越(yue)(yue)差(cha),資(zi)本(ben)要求越(yue)(yue)高(gao)。這有助(zhu)于引導和激(ji)勵(li)保險(xian)(xian)(xian)公(gong)司不斷(duan)提升自身的(de)風險(xian)(xian)(xian)管理(li)能力(li),夯實行業高(gao)質量發展的(de)基(ji)石。
下一(yi)步,保監會(hui)將按照黨的(de)十九大報告、全(quan)國金(jin)(jin)融工作會(hui)議(yi)和中央經(jing)濟工作會(hui)議(yi)精(jing)神,貫徹落(luo)實(shi)“1+4”系(xi)列(lie)文件要求,認真總結(jie)SARMRA評估經(jing)驗,不斷完善(shan)評估規則和評估機制,持續推動行業(ye)提升風險(xian)管(guan)理能力,牢守(shou)不發生(sheng)系(xi)統性金(jin)(jin)融風險(xian)的(de)底線。
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