中(zhong)證網訊（記(ji)者 薛瑾）銀保(bao)(bao)監(jian)(jian)會(hui)網站8月(yue)10日(ri)發布消(xiao)息稱(cheng)，為進一步完善(shan)非(fei)(fei)(fei)壽(shou)險(xian)業務準(zhun)備金(jin)監(jian)(jian)管(guan)制度，增強(qiang)非(fei)(fei)(fei)壽(shou)險(xian)準(zhun)備金(jin)監(jian)(jian)管(guan)的科學性(xing)和有效性(xing)，提(ti)升保(bao)(bao)險(xian)公(gong)司(si)準(zhun)備金(jin)管(guan)理(li)水平，銀保(bao)(bao)監(jian)(jian)會(hui)對原保(bao)(bao)監(jian)(jian)會(hui)印發的《保(bao)(bao)險(xian)公(gong)司(si)非(fei)(fei)(fei)壽(shou)險(xian)業務準(zhun)備金(jin)管(guan)理(li)辦(ban)法（試(shi)行）》（保(bao)(bao)監(jian)(jian)會(hui)令[2004]第13號，以(yi)(yi)下簡稱(cheng)《試(shi)行辦(ban)法》）進行了修訂，形(xing)成《保(bao)(bao)險(xian)公(gong)司(si)非(fei)(fei)(fei)壽(shou)險(xian)業務準(zhun)備金(jin)管(guan)理(li)辦(ban)法（征(zheng)求(qiu)意見稿）》（以(yi)(yi)下簡稱(cheng)《征(zheng)求(qiu)意見稿》）。

　　《征求(qiu)意(yi)見(jian)稿》共分六章(zhang)(zhang)(zhang)，共42條。第(di)一章(zhang)(zhang)(zhang)為(wei)總則，主(zhu)要(yao)對適用業務及(ji)機構范(fan)圍(wei)作出界定；第(di)二章(zhang)(zhang)(zhang)為(wei)準(zhun)(zhun)(zhun)備金的(de)種(zhong)類及(ji)評估方法(fa)，對非(fei)壽險(xian)業務的(de)各項準(zhun)(zhun)(zhun)備金定義(yi)及(ji)提取方法(fa)進(jin)行(xing)(xing)(xing)明(ming)(ming)確(que)(que)；第(di)三章(zhang)(zhang)(zhang)為(wei)內控(kong)管(guan)(guan)理，對保險(xian)公司在準(zhun)(zhun)(zhun)備金管(guan)(guan)理的(de)各個環節的(de)內控(kong)管(guan)(guan)理作出要(yao)求(qiu)；第(di)四章(zhang)(zhang)(zhang)為(wei)監(jian)督管(guan)(guan)理，對銀保監(jian)會及(ji)派出機構對非(fei)壽險(xian)業務準(zhun)(zhun)(zhun)備金的(de)監(jian)督管(guan)(guan)理內容(rong)及(ji)方式進(jin)行(xing)(xing)(xing)明(ming)(ming)確(que)(que)，第(di)五(wu)章(zhang)(zhang)(zhang)為(wei)法(fa)律責任，依據《保險(xian)法(fa)》對非(fei)壽險(xian)準(zhun)(zhun)(zhun)備金相關違法(fa)行(xing)(xing)(xing)為(wei)進(jin)行(xing)(xing)(xing)明(ming)(ming)確(que)(que)；第(di)六章(zhang)(zhang)(zhang)為(wei)附則，對實施時間等其他(ta)未(wei)盡事項進(jin)行(xing)(xing)(xing)說明(ming)(ming)。

　　《征求意見(jian)(jian)稿》相(xiang)比《試行辦法(fa)(fa)(fa)》修訂的(de)內容主要有六方面：一(yi)是(shi)將(jiang)非壽險(xian)準(zhun)(zhun)(zhun)備(bei)(bei)金(jin)評估規則(ze)與會計(ji)準(zhun)(zhun)(zhun)則(ze)、償二代監(jian)管(guan)制(zhi)度協調一(yi)致；二是(shi)總(zong)結提煉非壽險(xian)準(zhun)(zhun)(zhun)備(bei)(bei)金(jin)監(jian)管(guan)的(de)實踐經驗，將(jiang)《試行辦法(fa)(fa)(fa)》配套(tao)規范性文件中(zhong)關(guan)于準(zhun)(zhun)(zhun)備(bei)(bei)金(jin)監(jian)管(guan)的(de)相(xiang)關(guan)制(zhi)度進行了梳理，集中(zhong)體現(xian)在《征求意見(jian)(jian)稿》中(zhong)；三是(shi)增加(jia)內控管(guan)理規定，督(du)(du)促保險(xian)公司完善非壽險(xian)準(zhun)(zhun)(zhun)備(bei)(bei)金(jin)工(gong)作(zuo)相(xiang)關(guan)制(zhi)度；四是(shi)增加(jia)監(jian)督(du)(du)管(guan)理規定；五是(shi)增加(jia)法(fa)(fa)(fa)律責(ze)任規定，依據(ju)《保險(xian)法(fa)(fa)(fa)》對非壽險(xian)準(zhun)(zhun)(zhun)備(bei)(bei)金(jin)相(xiang)關(guan)違法(fa)(fa)(fa)行為進行明確；六是(shi)刪除《試行辦法(fa)(fa)(fa)》中(zhong)的(de)準(zhun)(zhun)(zhun)備(bei)(bei)金(jin)報告章節，作(zuo)為細(xi)則(ze)另(ling)行發布。

　　下(xia)一(yi)步(bu)，銀保監會(hui)將廣泛聽(ting)取各方意(yi)見建議，根據意(yi)見建議進一(yi)步(bu)修改完善《征求意(yi)見稿》，并適時發(fa)布。