How does the State Council support the investment in commercial endowment insurance?
6 month 23 />6 month news to promote the safe and reliable operation of commercial pension insurance funds, play the role of long-term investors of the commercial pension insurance institutions, to provide capital support for the stable and healthy development of the capital market. Recently, the Standing Committee of the State Council adopted some suggestions on accelerating the development of commercial pension insurance (hereinafter referred to as "opinion"), not only put forward measures to accelerate the development of commercial insurance, but also guide the direction of the use of commercial insurance funds.
"opinions" put forward to promote the safe and reliable operation of commercial endowment insurance funds, and improve the quality and efficiency of service economy. Under the premise of ensuring the risk control, the commercial pension insurance funds should be encouraged to participate in the construction of major projects and people's livelihood projects, and the long-term investors' role of the commercial pension insurance institutions should be played to provide financial support for the smooth and healthy development of the capital market, and the orderly promotion of commercial endowment insurance funds to the global market and the rational allocation of foreign assets. .
at present, there are some policy restrictions on the use of commercial pension insurance funds in China. How to use effective regulatory measures to use the green light for the use of commercial endowment insurance funds, it is a great wisdom to fully realize the value and value of the funds of the commercial pension insurance under the risk controlled environment. Hao Yansu, chairman of the academic committee of Central University of Finance and Economics insurance school, pointed out.
Premier Li Keqiang on the 21 day of the standing meeting of the State Council stressed that commercial pension insurance funds and social security funds, all of the common people's.Amp; lsquo life money.Amp; rsquo,.Amp; lsquo alive money.Amp; rsquo, must ensure that these funds are safe and reliable operation. All insurance agencies must keep this bottom line. How to protect the value of people's money while protecting their value?
23 day, the vice president of the CIRC, Huang Hong, said at a briefing held by the state new office that the management of commercial pension insurance can not be as simple as the commercial insurance business, which can not simply require high returns, because high returns are bound to be accompanied by high risks, and the security and stability of funds is the first factor we should consider. To this end, the CIRC will strengthen management from various aspects to ensure the safe and sound operation of commercial pension funds.
first is to strengthen the qualification requirements of insurance institutions. Huang Hong said that the level of actuarial technology and the reserve of the talent team are the core contents of the qualification of insurance institutions. At the same time, the supervision will make a comprehensive evaluation on the investment management ability, risk management ability, solvency, and the ability of the shareholders to increase the capital, and set a high entrance threshold.
in terms of system, we should strengthen the construction of rules and regulations for the use of endowment insurance funds. In addition to adhering to the basic rules and regulations of the general commercial endowment insurance funds, the regulatory departments will gradually formulate a set of rules and regulations that are different from the general commercial insurance. Huang Hong said.
because of the long management cycle of commercial endowment insurance, matching management of assets and liabilities is very important. Huang Hong pointed out that the matching management of assets and liabilities should be regarded as a hard target for insurance institutions to operate commercial endowment insurance. In addition, we should improve the rules of quantitative assessment, qualitative assessment and pressure testing, refine the business rules of the key investment areas of the commercial pension insurance funds, establish the investment classification management and quota management mechanism for the use of the funds for the commercial pension insurance, and strengthen the risk monitoring and early warning mechanism.
should be well managed and well used for commercial endowment insurance funds. Huang Hong said that it will improve the support policy of endowment insurance investment, the next step will strengthen the communication with the relevant ministries, study and formulate the investment support policy of the commercial pension insurance service entity economy, perfect the risk guarantee mechanism, serve the national strategy, invest major projects and support the people's livelihood for the commercial pension insurance funds. The construction of the project provides a green channel and a priority support.