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Notice of the China Insurance Regulatory Commission on Further Strengthening Insurance Regulation and Maintaining the Stable and Healthy Development of the Insurance Industry
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中国保监会关于进一步加强保险监管 维护保险业稳定健康发展的通知
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| Notice of the China Insurance Regulatory Commission on Further Strengthening Insurance Regulation and Maintaining the Stable and Healthy Development of the Insurance Industry | | 中国保监会关于进一步加强保险监管 维护保险业稳定健康发展的通知 |
| (No. 34 [2017] of the China Insurance Regulatory Commission) | | （保监发〔2017〕34号） |
| All departments of the China Insurance Regulatory Commission (“CIRC”) and all local CIRC offices: | | 机关各部门、各保监局： |
| To thoroughly implement the spirit of the Sixth Plenary Session of the 18th CPC Central Committee and the Central Economic Working Conference, especially the spirit of the important instructions from General Secretary Xi Jinping on the financial work, implement the relevant arrangements of the CPC Central Committee and the State Council on effectively preventing risks in the financial industry, and clarify the tasks and requirements for strengthening insurance regulation, governing market chaos, overcoming regulatory shortcomings, and preventing industry risks for the present and a future period of time, you are hereby notified of the relevant work as follows: | | 为深入贯彻党的十八届六中全会和中央经济工作会议精神、特别是习近平总书记关于金融工作的重要指示精神，落实党中央国务院关于做好金融业风险防范工作的有关部署，明确当前和今后一个时期加强保险监管、治理市场乱象、补齐监管短板、防范行业风险的任务和要求，现就有关工作通知如下： |
| I. Current situation facing the insurance industry | | 一、当前保险业面临的形势 |
| Since the 18th CPC National Congress, under the correct leadership of the CPC Central Committee and the State Council, the insurance industry has achieved sustainable and rapid growth by closely grasping the two main lines, namely, the supply-side structural reform of services and the intensified efforts in poverty alleviation, with the guarantee capabilities and the abilities to serve the real economy improved continuously. At the same time, we also need to clearly realize that the situations at home and abroad facing the current financial work are still complicated, the unstable and uncertain factors have not been reduced, the foundation for the stable operation of economy is still not strong enough, and some difficulties and contradictions will continue to be reflected in the financial field. Insurance industry, as an important component of finance, still faces the complicated situation resonated by multiple factors and intertwined by multiple risks. | | 党的十八大以来，在党中央国务院的正确领导下，保险业牢牢把握服务供给侧结构性改革和脱贫攻坚战略两大主线，实现了持续较快增长，保障能力不断增强，服务实体经济能力不断提升。同时，我们也要清醒认识到，当前金融工作面临的国内外形势依然错综复杂，不稳定不确定性因素并未减少，经济稳定运行的基础仍然不够牢固，一些困难和矛盾在金融领域会继续有所反映。保险业作为金融的重要组成部分，仍然面临多重因素共振、多种风险交织的复杂局面。 |
| Recently, under the background of complicated interest rate environment and difficult allocation of assets, the development modes of a few insurance companies are radical, assets and liabilities are seriously mismatched, and there are relatively large hidden liquidity risks; some insurance companies have imperfect governance structures and unsound internal control system, and have problems such as false capital injection by shareholders and control by insiders; the industry sees sufficient overall solvency but obvious individual differentiation, decline in solvency and increase in the number of companies in the areas of interest, increase in local risks, and increase in risk points; and some insurance institutions blindly complete merger and acquisition across fields and across markets, and several insurance assess management products are interlaced in multiple layers, which is extremely likely to trigger cross-transfer of risks. | | 近一时期，在利率环境复杂、资产配置难度大的背景下，少数保险公司发展模式激进，资产与负债严重错配，存在较大的流动性风险隐患；部分保险公司治理结构不完善、内控制度不健全，存在股东虚假注资、内部人控制等问题；行业整体偿付能力保持充足，但个体分化明显，偿付能力下降和处于关注区域的公司数量有所增加，局部风险增大，风险点增多；一些保险机构盲目跨领域跨市场并购，个别保险资管产品多层嵌套，极易产生风险交叉传递。 |
| The current prominent risks and problems existing in the insurance industry not only are a result of some insurance institutions' seeking for quick success and instant benefits or pursuing for speed and all-inclusiveness for grandiose purpose or other factors, but expose that the reform and exploration experience in the insurance industry is insufficient, there are some shortcomings in the insurance regulatory system and practice, the alertness for the essence and evolution of risks is not high enough, the regulatory system for the innovation business is not rigorous enough, and the overall planning and coordination of the regulatory system needs to be further improved, among others. | | 当前保险业存在的突出风险和问题，既有部分保险机构急功近利、贪快求全等因素，也暴露出保险业改革探索经验不足，保险监管制度和实践中还存在一些短板，对风险的本质和演变的警惕性还不够高，对创新业务的监管制度还不够严密，监管机制的统筹协调尚待进一步完善等。 |
The CPC Central Committee and the State Council have always attached great importance to financial risk prevention and control, and General Secretary Xi Jinping stressed that greater importance shall be attached to financial risk prevention and control, the overall planning and coordination shall be strengthened, regulatory shortcomings shall be overcome in a timely manner, and market chaos shall be controlled resolutely, so as to improve the quality and capabilities of finance in serving the real economy. The insurance regulatory system shall thoroughly find and profoundly reflect on the current problems existing in the insurance industry and insurance regulation, unswervingly strengthen regulation, govern chaos in a resolute and decisive manner, keep improving the system, resolutely guard the bottom line of no systemic risk, and maintain the steady and safe operation of the overall financial system.
．．．．．． | | 党中央国务院历来高度重视金融风险防控，习近平总书记强调，要把防控金融风险放到更加重要的位置，强化统筹协调，及时弥补监管短板，坚决治理市场乱象，提升金融服务实体经济的质量和水平。保险监管系统要深入查找和深刻反思当前保险业及保险监管存在的问题，坚定不移强化监管，坚决果断治理乱象，坚持不断完善制度，坚决守住不发生系统性风险底线，维护整个金融体系的稳健安全运行。
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