Financial insurance new regulations approaching the implementation of Bancassurance last ditch-ca1871

Financial insurance new regulations near the implementation of Bancassurance channel last battle Beijing daily news (reporter Cui Qibin Chen Tingting) on the high cash value financial insurance new regulations revised asymptotic, the pursuit of scale effect of insurance companies are in the final battle. Beijing Daily reporter yesterday learned exclusively, in January, the domestic insurance industry with bancassurance channel sales premiums as high as 360 billion yuan, a record of the highest monthly record since the record. Insurance industry exchanges data show that in January, bancassurance channels to achieve a new single scale premium income of 351 billion 900 million yuan, compared with the same period last year increased by 265 billion 800 million yuan 32.4%; compared with 67 billion yuan in December last year, the growth is more than 4 times, reaching 425%. The new single scale premium income has hit its peak since the data in 2006. Specifically, in the 50 life insurance companies in the 38 meters, in January this year, the new single bancassurance premium scale than in December last year rose more than doubled, including 15 insurance firms growth of China life, Ping An, Xinhua, people’s insurance, sunshine, livelihood, peace, in Britain, Edward Gu, more is to reach more than 10 times. For the new year bancassurance income blowout, some insurance firms bancassurance official said, many factors lead to the rapid growth and convergence of bancassurance, one is at the beginning of each year is the insurance industry a good start, all insurance companies will force, on the other hand, the lower bank interest rates, bank factoring type of financial insurance and enhance the attractiveness of the pursuit of "Duanpingkuai" high cash value insurance will face stopped, all insurance companies will pay close attention to the last time in the land premium. It is understood that the current one-year deposit interest rate of the bank is 1.5%, and the life insurance products into the rate of marketization, dividends insurance, universal insurance are expected to achieve a predetermined interest rate of 3.5%, a strong entry into the banking network. The so-called "high cash value product" refers to the sum of the cash value of the policy and the accumulated insurance amount at the end of the year of the second insurance policy, which exceeds the accumulated premium, and the product is expected to be insured for more than 60% of the policy duration for less than 3 years. In other words, high cash value insurance products exist high return, short insurance period and other characteristics, easy to trigger surrender risk. But the industry data show that in January the bancassurance premium is only 7 billion 500 million yuan, which means in the premium 350 billion yuan in the vast majority of wholesale payment products, these products are strong functions of financial products, many products for a period of 1-3 years. In the opinion of Professor Zhu Junsheng of Capital University of Economics and Business School of labor economics, a one-time payment of the premium, on the surface of the insurance company market size is large, in fact, it is just a "puffiness", leading insurance companies business development more unstable, and the one-time charge premium increase investment pressure. To this end, in December last year, in January this year, the China Insurance Regulatory Commission once again for the specification of high cash value insurance sales advice, the proposed regulations during the development of insurance firms may not exist within 3 years (including 3 years) of new products; during may not be sold within 1 years of existence (including 1 years) of the products. Once the new regulations are implemented, many short-term financial insurance products will be faced with shelves. Behind the prosperity of the silver factoring insurance, there is also a misleading risk. Interview of Beijing Business Daily reporter

理财保险新规临近实施 银保渠道最后一搏   北京商报讯(记者 崔启斌 陈婷婷)关于高现金价值理财型保险新规的修订渐近,追求规模效应的险企正在最后一搏。北京商报记者昨日独家获悉,1月国内保险行业借助银保渠道销售保费高达3600亿元,创下了有数据记录以来的单月最高纪录。   保险业同业交流数据显示,1月银保渠道实现新单规模保费收入3519亿元,与上一年同期相比的2658亿元增长32.4%;与去年12月的670亿元相比,增长更是超过4倍,达到了425%。这一新单规模保费收入创下了自2006年该项数据统计以来的最高值。   具体来看,在计的50家寿险公司中,有38家今年1月银保新单规模保费较去年12月增长超一倍,其中包括国寿、平安、新华、人保、阳光、民生、太平、中英、德华安顾等在内的15家险企环比增长更是达到10倍有余。   对于新年银保收入井喷,某险企银保渠道负责人表示,多种因素汇合导致银保收放疾速增加,一方面是每年初都是保险业的开门红,各险企都会发力,另一方面则是银行利率走低,银保理财型保险增强吸引力,再则追求“短平快”的高现金价值理财保险即将面临叫停,各险企都在抓紧最后时机揽得保费。   据了解,目前银行一年期存款利率为1.5%,而寿险产品进入费率市场化之后,分红险、万能险均实现预定利率3.5%,强势进驻银行网点。   所谓高现金价值产品,是指第二保单年度末保单现金价值与累计生存保险金之和超过累计所缴保费,且预期该产品60%以上的保单存续时间不满3年的产品。也就是说,高现金价值保险产品存在高返还、保险期限短等特点,容易引发退保风险。   而同业数据显示,1月银保期缴保费仅为75亿元,也就意味着在3500亿元的保费中绝大多数为趸缴型产品,这些产品多为理财功能较强的产品,不少产品期限为1-3年。   在首都经贸大学劳动经济学院教授朱俊生看来,一次性缴纳保费,表面上看保险公司的市场规模很大,其实那只是一种“虚胖”,导致险企业务发展更加不稳定,况且一次性收取保费增加了投资压力。   为此,继去年12月之后,今年1月保监会再次针对规范高现金价值保险销售征求意见,拟规定险企不得开发存续期间3年以内(不含3年)的新产品;不得销售存续期间1年以内(不含1年)的产品。一旦新规实施,很多短期理财型保险产品将面临下架。   在银保理财型保险繁荣的背后,还隐藏着误导的风险。北京商报记者走访银行网点时发现,一家银行柜员介绍,目前一款理财产品一年期保证利率3.5%,刚刚销售,销售规模为3亿元。而这样明显高于银行存款利率的产品实则为一家险企推出的万能险。   为了防范银保误导销售,日前保监会消保局提醒消费者在购买理财产品的时候,要向销售人员详细了解欲购买产品的性质,区分清楚该产品到底是银行存款还是保险等。新浪金融曝光台最新的数据显示,自2016年1月至今,共收到保险行业投诉近100例,九成以上的投诉案件中涉及银保违规问题。 进入【新浪财经股吧】讨论相关的主题文章: