中(zhong)國銀保監(jian)會11月30日(ri)發(fa)布(bu)《保險(xian)(xian)集團公(gong)司監(jian)督管(guan)理辦法》。銀保監(jian)會有關部門(men)負責人指(zhi)出，《辦法》強調保險(xian)(xian)集團公(gong)司的股權投資(zi)(zi)應堅持保險(xian)(xian)主業(ye)原(yuan)則并(bing)明確保險(xian)(xian)集團可(ke)投資(zi)(zi)企業(ye)類型和(he)投資(zi)(zi)比例限制(zhi)，推動保險(xian)(xian)集團聚焦(jiao)保險(xian)(xian)主業(ye)、加(jia)強股權投資(zi)(zi)管(guan)理、規(gui)范經營行為，防止資(zi)(zi)本(ben)無序擴張。

　　為加強對保(bao)險(xian)(xian)集(ji)團公司(si)(si)的監督管(guan)理(li)，有(you)效防范保(bao)險(xian)(xian)集(ji)團經營(ying)風險(xian)(xian)，促進金融保(bao)險(xian)(xian)業健康發展，銀保(bao)監會對《保(bao)險(xian)(xian)集(ji)團公司(si)(si)管(guan)理(li)辦(ban)法（試(shi)行）》進行了修(xiu)訂，形成《保(bao)險(xian)(xian)集(ji)團公司(si)(si)監督管(guan)理(li)辦(ban)法》（下稱《辦(ban)法》），自公布(bu)之日起施行。

　　負責人介紹，《辦(ban)法》主要(yao)修訂(ding)內(nei)容包(bao)括：一(yi)是(shi)(shi)加強(qiang)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)治(zhi)理(li)(li)(li)(li)(li)監(jian)(jian)管(guan)(guan)，要(yao)求(qiu)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)具有簡明、清晰、可(ke)穿透的股權結構(gou)，與(yu)(yu)下(xia)屬成員公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)股權控(kong)(kong)制(zhi)層級合(he)理(li)(li)(li)(li)(li)，強(qiang)化保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)對(dui)整個(ge)集(ji)團(tuan)(tuan)公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)治(zhi)理(li)(li)(li)(li)(li)的主體(ti)(ti)(ti)責任。二是(shi)(shi)強(qiang)化保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)，增(zeng)(zeng)設(she)“風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)”章節(jie)，要(yao)求(qiu)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)整合(he)集(ji)團(tuan)(tuan)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)資(zi)源，建(jian)立與(yu)(yu)集(ji)團(tuan)(tuan)戰略目標、組織架構(gou)、業務模式等(deng)相適(shi)應的全面(mian)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)體(ti)(ti)(ti)系(xi)，新增(zeng)(zeng)完(wan)善(shan)了風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)偏好體(ti)(ti)(ti)系(xi)、風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)信息(xi)系(xi)統、集(ji)中度(du)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)、防(fang)火墻設(she)置、關聯交(jiao)易管(guan)(guan)理(li)(li)(li)(li)(li)、對(dui)外(wai)擔保(bao)(bao)(bao)(bao)(bao)管(guan)(guan)理(li)(li)(li)(li)(li)以及壓力(li)(li)測試體(ti)(ti)(ti)系(xi)等(deng)具體(ti)(ti)(ti)監(jian)(jian)管(guan)(guan)要(yao)求(qiu)。三是(shi)(shi)完(wan)善(shan)非保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)子(zi)公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)監(jian)(jian)管(guan)(guan)，增(zeng)(zeng)設(she)“非保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)子(zi)公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)管(guan)(guan)理(li)(li)(li)(li)(li)”章節(jie)，明確保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)可(ke)投資(zi)非保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)子(zi)公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)的范(fan)(fan)圍和相關條件，完(wan)善(shan)內(nei)部管(guan)(guan)控(kong)(kong)機制(zhi)、禁(jin)止行為(wei)、外(wai)包(bao)管(guan)(guan)理(li)(li)(li)(li)(li)、信息(xi)報送等(deng)規定(ding)。四(si)是(shi)(shi)系(xi)統完(wan)善(shan)集(ji)團(tuan)(tuan)監(jian)(jian)管(guan)(guan)要(yao)求(qiu)，強(qiang)調并(bing)表監(jian)(jian)管(guan)(guan)“以控(kong)(kong)制(zhi)為(wei)基(ji)礎，兼顧(gu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)相關性”，完(wan)善(shan)并(bing)表監(jian)(jian)管(guan)(guan)范(fan)(fan)圍；提(ti)高保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)信息(xi)披露、危機應對(dui)和處置能(neng)力(li)(li)等(deng)方面(mian)的要(yao)求(qiu)；明確外(wai)資(zi)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)監(jian)(jian)管(guan)(guan)適(shi)用(yong)《辦(ban)法》。

　　負責(ze)人(ren)指出(chu)，《辦法》實(shi)施將對保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)(tuan)穩定健康的(de)(de)(de)發展(zhan)產生深(shen)遠的(de)(de)(de)積極影響(xiang)。一是強調保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)(tuan)公(gong)司(si)(si)的(de)(de)(de)股(gu)權(quan)投(tou)資(zi)應堅(jian)持保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)主業(ye)(ye)原則(ze)并(bing)明確保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)(tuan)可(ke)投(tou)資(zi)企業(ye)(ye)類型和投(tou)資(zi)比例限制，推動(dong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)(tuan)聚焦保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)主業(ye)(ye)、加強股(gu)權(quan)投(tou)資(zi)管(guan)(guan)理(li)、規范(fan)(fan)經營(ying)行(xing)為，防止資(zi)本無序擴張。二(er)是提升保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)(tuan)公(gong)司(si)(si)治(zhi)理(li)能(neng)力，降低(di)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)(tuan)股(gu)權(quan)結構(gou)的(de)(de)(de)復(fu)雜性，防止成員公(gong)司(si)(si)之間交叉持股(gu)，限制人(ren)員兼職，規范(fan)(fan)集(ji)團(tuan)(tuan)(tuan)關聯交易、對外(wai)擔保(bao)(bao)(bao)以(yi)及資(zi)源共享等事(shi)項。三是要求(qiu)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)(tuan)公(gong)司(si)(si)建立(li)集(ji)團(tuan)(tuan)(tuan)整體(ti)的(de)(de)(de)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)理(li)體(ti)系，全面管(guan)(guan)控集(ji)團(tuan)(tuan)(tuan)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)，并(bing)關注風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)傳染、組織結構(gou)不透明風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)、集(ji)中(zhong)度風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)、非(fei)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)領域風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)等集(ji)團(tuan)(tuan)(tuan)特有風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)，促使保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)(tuan)公(gong)司(si)(si)提高風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)理(li)能(neng)力水平。四(si)是彌補保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)(tuan)所屬非(fei)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)子(zi)公(gong)司(si)(si)的(de)(de)(de)監管(guan)(guan)空(kong)白，引(yin)導保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)集(ji)團(tuan)(tuan)(tuan)建立(li)規范(fan)(fan)、有效(xiao)(xiao)的(de)(de)(de)非(fei)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)子(zi)公(gong)司(si)(si)管(guan)(guan)理(li)體(ti)系，并(bing)通過投(tou)資(zi)非(fei)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)子(zi)公(gong)司(si)(si)優化集(ji)團(tuan)(tuan)(tuan)資(zi)源配置、發揮(hui)協同效(xiao)(xiao)應、提升集(ji)團(tuan)(tuan)(tuan)整體(ti)專業(ye)(ye)化水平和市場競爭能(neng)力，有效(xiao)(xiao)促進保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)主業(ye)(ye)發展(zhan)。

　　下一(yi)步(bu)，銀保(bao)監會將加強督(du)促(cu)指導，做好《辦(ban)法》的貫徹落(luo)實，通過嚴格市場準入，豐富非現場監管(guan)指標，開(kai)展(zhan)(zhan)現場調(diao)查(cha)檢查(cha)等多種(zhong)措施(shi)，進(jin)一(yi)步(bu)加強保(bao)險集(ji)團公司(si)監管(guan)，規(gui)范和促(cu)進(jin)保(bao)險集(ji)團公司(si)健(jian)康(kang)發展(zhan)(zhan)。