Following the Chinese National Association on September 26th, the actual tax burden on personal pensions received from 7.5%to 3%was decided.Insurance companies actively participate in the personal pension system.
According to the surging news report, according to industry insiders, the China Banking Regulatory Commission issued a notice of the CBRC and insurance companies on promoting insurance companies' participation in the personal pension system (draft for comments).Insurance companies should conscientiously implement the requirements of personal pension -related systems, effectively exert their advantages, control costs reasonably, continue to improve their capabilities, so as to achieve operational safety, stable rewards, convenient service, and provide the people with long -term value -added, value -added, simple and easy -to -understand commercial business, simple and easy to understand.Pension insurance meets the growing demand for diverse pensions.
As far as the product is concerned, the solicitation draft is clear that the commercial pension insurance provided by the insurance company includes annuity insurance, two full insurance, and other products identified by the CBRC (hereinafter referred to as personal pension products).Related products should meet the following requirements: the insurance period is not as short as five years; the insurance liability is limited to the preparation of survival insurance, the full period of payment, death, full disability, disabled or nursing status;Participants) The flexibility requirements for payment; other requirements stipulated by the China Banking Regulatory Commission.
For insurance companies that operate personal pensions related to personal pensions, the drafts for comments have also put forward relevant qualification requirements, including:75%of the capital); the comprehensive settlement capacity adequacy ratio at the end of the last quarter was not less than 150%, and the core solvency adequacy ratio was not less than 75%;It is not subject to major administrative punishment of the financial regulatory authorities; with a complete information management system, and the system connection with the personal pension information platform (hereinafter referred to as the insurance industry platform) in the insurance industry can be registered and interacted in accordance with relevant requirements; other conditions stipulated by the China Banking Regulatory Commission stipulatedEssence
At the same time, the draft of the solicitation also put forward relevant requirements in the sales of personal pension products in insurance companies.For example, when the insurance company signs an insurance contract with the participants, it should specifically explain the personal pension system and their tax policies, personal pension funds accounts (hereinafter referred to as fund accounts) management requirements, and the insurance industry platform information management requirements.
Insurance companies shall sign the insurance contract separately with the participants, and make a clear identification of the contract in the company's relevant information system, and shall not accept their personal pensions for others.
For the funds of personal pensions, the request for comments should strengthen the management and control, and various types of funds related to personal pension products related to the business of personal pension products shall meet the requirements of the closed management of fund accounts.Insurance companies do not return the participants' funds accounts in accordance with the contract of death, full disability, disabled, or nursing status in accordance with the contract.
In addition, insurance companies should establish a area for business pension -related business on self -operated network platforms, mobile clients, etc., and provide services such as business consultation, product purchase, equity inquiry, information disclosure, consumer education and other servicesEssenceAmong them, the equity information provided by the insurance company includes but not limited to the payment situation, the risk insurance amount, and the cash value.
For the requirements of soliciting opinions, insurance companies should earnestly fulfill the responsibility of sales management, improve the management system, and strengthen the management of institutional management, personnel management and sales behavior.The insurance company is responsible for making sales of sales and promoting use, and shall not allow relevant agencies to make or modify materials by themselves.
According to the draft for comments, the insurance company should report to the CBRC and its dispatched institutions before January 15 each year, including business operations, including business operations, insurance terms and feesRate the registration or approval situation, the use of funds, etc.
Soliciting opinions pointed out that the CBRC will promote the personal pension system with relevant departments in an orderly manner and the personal tax deferred commercial pension insurance pilot policy.Pilot insurance companies should strengthen policy interpretation, do relevant services, and maintain stable business operations.
