中證(zheng)網(wang)(wang)訊（記者 歐陽劍環(huan)）銀保(bao)(bao)監會(hui)網(wang)(wang)站12月(yue)28日消息(xi)，2021年6月(yue)至(zhi)11月(yue)，銀保(bao)(bao)監會(hui)對43家保(bao)(bao)險(xian)(xian)公司開展了償(chang)(chang)付(fu)能力(li)風險(xian)(xian)管(guan)理能力(li)監管(guan)評估（以下簡稱SARMRA評估）。SARMRA評估是中國風險(xian)(xian)導向的(de)(de)償(chang)(chang)付(fu)能力(li)體(ti)系第(di)(di)二支(zhi)柱(zhu)的(de)(de)重(zhong)要(yao)內容，也是第(di)(di)一(yi)支(zhi)柱(zhu)計算償(chang)(chang)付(fu)能力(li)充足率的(de)(de)必備(bei)要(yao)素(su)，在強化(hua)保(bao)(bao)險(xian)(xian)公司風險(xian)(xian)管(guan)理主體(ti)責任，引導激勵保(bao)(bao)險(xian)(xian)公司持續提升風險(xian)(xian)管(guan)理能力(li)，推動保(bao)(bao)險(xian)(xian)業(ye)高質(zhi)量(liang)發(fa)展等方面發(fa)揮了積(ji)極(ji)作用。

　　2021年SARMRA評估結果(guo)顯(xian)示(shi)，保(bao)險(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)風(feng)險(xian)(xian)(xian)管理意識不斷(duan)增(zeng)強(qiang)，風(feng)險(xian)(xian)(xian)管理架構和制度體系逐(zhu)步(bu)健全(quan)，風(feng)險(xian)(xian)(xian)管理能力得到(dao)(dao)有(you)效(xiao)提升。從(cong)平均得分(fen)(fen)(fen)情(qing)況看(kan)，43家(jia)保(bao)險(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)的(de)(de)平均分(fen)(fen)(fen)為(wei)74.03分(fen)(fen)(fen)，較上期評估提高(gao)2.11分(fen)(fen)(fen)，其中，25家(jia)財險(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)、18家(jia)人身(shen)險(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)的(de)(de)平均分(fen)(fen)(fen)為(wei)74.6分(fen)(fen)(fen)、72.85分(fen)(fen)(fen)，較上期評估分(fen)(fen)(fen)別提高(gao)3.46分(fen)(fen)(fen)、0.4分(fen)(fen)(fen)。從(cong)得分(fen)(fen)(fen)分(fen)(fen)(fen)布情(qing)況看(kan)，80分(fen)(fen)(fen)以上的(de)(de)公(gong)(gong)司(si)(si)(si)有(you)5家(jia)，70分(fen)(fen)(fen)到(dao)(dao)80分(fen)(fen)(fen)的(de)(de)公(gong)(gong)司(si)(si)(si)有(you)29家(jia)，合計占(zhan)比接近80%。從(cong)對償付(fu)能力充足(zu)率(lv)的(de)(de)影響看(kan)，5家(jia)80分(fen)(fen)(fen)以上的(de)(de)公(gong)(gong)司(si)(si)(si)可少(shao)計提最(zui)低資(zi)本18.5億(yi)元(yuan)，會(hui)提高(gao)償付(fu)能力充足(zu)率(lv)；38家(jia)80分(fen)(fen)(fen)以下公(gong)(gong)司(si)(si)(si)需增(zeng)提最(zui)低資(zi)本38.2億(yi)元(yuan)，會(hui)降低償付(fu)能力充足(zu)率(lv)。

　　雖然保險公(gong)(gong)(gong)司風險管(guan)(guan)(guan)(guan)理(li)(li)工(gong)作(zuo)取得積極(ji)成效，但(dan)監管(guan)(guan)(guan)(guan)評估(gu)中也發現(xian)一些不(bu)(bu)足，主要(yao)有：部(bu)分(fen)公(gong)(gong)(gong)司董(dong)事長、總經理(li)(li)等(deng)關(guan)鍵少數在經營(ying)理(li)(li)念上對風險管(guan)(guan)(guan)(guan)理(li)(li)不(bu)(bu)夠重(zhong)視，在專業能力(li)上也難以滿足全(quan)面風險管(guan)(guan)(guan)(guan)理(li)(li)工(gong)作(zuo)的需要(yao)；部(bu)分(fen)公(gong)(gong)(gong)司照搬(ban)照抄(chao)模(mo)式化的風險管(guan)(guan)(guan)(guan)理(li)(li)制(zhi)(zhi)度或監管(guan)(guan)(guan)(guan)規則，缺乏可(ke)操作(zuo)性；“重(zhong)制(zhi)(zhi)度、輕落實”的現(xian)象(xiang)較為普遍(bian)；部(bu)分(fen)公(gong)(gong)(gong)司相關(guan)部(bu)門配(pei)合(he)聯(lian)動不(bu)(bu)足，降低(di)了風險管(guan)(guan)(guan)(guan)理(li)(li)工(gong)作(zuo)實效；部(bu)分(fen)公(gong)(gong)(gong)司風險管(guan)(guan)(guan)(guan)理(li)(li)工(gong)具運用(yong)能力(li)不(bu)(bu)強；部(bu)分(fen)公(gong)(gong)(gong)司信用(yong)風險管(guan)(guan)(guan)(guan)理(li)(li)不(bu)(bu)到(dao)位，內部(bu)評級制(zhi)(zhi)度不(bu)(bu)健全(quan)。

　　根據償二代監(jian)(jian)管(guan)規則，銀保(bao)監(jian)(jian)會每年對部分保(bao)險(xian)公司開展SARMRA評(ping)估(gu)(gu)工作，三年實現全覆蓋。下一步，銀保(bao)監(jian)(jian)會將(jiang)認真貫徹黨中(zhong)央、國務(wu)院決(jue)策部署，堅(jian)持(chi)底線思(si)維，不(bu)斷(duan)改進完善(shan)SARMRA評(ping)估(gu)(gu)機制(zhi)，持(chi)續推動保(bao)險(xian)業提(ti)升風險(xian)管(guan)理能力(li)，堅(jian)決(jue)守住不(bu)發生系統性風險(xian)的(de)底線。