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Guiding Opinions of the China Insurance Regulatory Commission on Carrying out the Pilot Program of the Elderly Housing Reverse Mortgage Pension Insurance | | 中国保险监督管理委员会关于开展老年人住房反向抵押养老保险试点的指导意见 |
| (No. 53 [2014] of the China Insurance Regulatory Commission) | | （保监发〔2014〕53号） |
| All local offices of the China Insurance Regulatory Commission (“CIRC”); the Insurance Association of China; and all life insurance companies: | | 各保监局、中国保险行业协会、各人身保险公司： |
| To implement the relevant requirements of the Several Opinions of the State Council on Accelerating the Development of the Pension Service Industry (No. 35 [2013], State Council), encourage the insurance industry to actively participate in the development of the pension service industry, explore and improve China's pension security system, and enrich new approaches to pension security methods, the CIRC decides to carry out the pilot program of the elderly housing reverse mortgage pension insurance (hereinafter referred to as the “reverse mortgage pension insurance”). Reverse mortgage pension insurance is an innovative commercial pension insurance business that combines housing mortgage with life-time pension annuity insurance. That is, after a senior citizen that owns the complete property right of a housing mortgages the housing to an insurance company, the senior citizen shall continue to have the ownership, the right to use, the right to earnings, and the right of disposal upon consent of the mortgagee, and receive pensions until his or her death according to the conditions as agreed on; after the death of the senior citizen, the insurance company shall obtain the disposal right of the mortgaged housing and the incomes arising from the disposal shall be preferentially used for paying costs related to the pension insurance. For the purpose of effectively conducting the relevant work of the pilot program, the following opinions are hereby issued: | | 为贯彻落实《国务院关于加快发展养老服务业的若干意见》（国发〔2013〕35号）有关要求，鼓励保险业积极参与养老服务业发展，探索完善我国养老保障体系、丰富养老保障方式的新途径，中国保监会决定开展老年人住房反向抵押养老保险（以下简称反向抵押养老保险）试点。反向抵押养老保险是一种将住房抵押与终身养老年金保险相结合的创新型商业养老保险业务，即拥有房屋完全产权的老年人，将其房产抵押给保险公司，继续拥有房屋占有、使用、收益和经抵押权人同意的处置权，并按照约定条件领取养老金直至身故；老年人身故后，保险公司获得抵押房产处置权，处置所得将优先用于偿付养老保险相关费用。为做好试点有关工作，现提出如下意见： |
| I. Significance of carrying out the pilot program | | 一、开展试点的重要意义 |
| 1. It is favorable to the improvement of China's social pension security system. The establishment of a multi-dimensional and sustainable pension security system is an inevitable requirement for effectively responding to the ageing of population and realizing the sound social and economic development. The pilot program is favorable to enriching pension security methods, guiding the society to forming a new pension security habit, and enhancing the sustainability of the pension security system. | | （一）有利于健全我国社会养老保障体系。建立多层次、可持续的养老保障制度，是有效应对人口老龄化问题，实现社会经济健康发展的必然要求。开展试点有利于丰富养老保障方式，引导社会形成新的养老保障习惯，增强养老保障体系的可持续性。 |
| 2. It is favorable to the expansion of pension security fund channels. At present, China lacks an effective means to transform social stock assets to pension resources. The pilot program revitalizes the housing properties of the elderly and it is an active exploration for implementing the optimal allocation of individual economic resources and is favorable to expanding sources of pension security funds and improving the elderly pension security level. | | （二）有利于拓宽养老保障资金渠道。当前，我国缺少将社会存量资产转化为养老资源的有效手段。开展试点，盘活老年人房产，是实现个人经济资源优化配置的积极探索，有利于拓宽养老保障资金来源，提升老年人养老保障水平。 |
| 3. It is favorable to the enrichment of pension choices for the elderly. Reverse mortgage pension insurance is included in commercial insurances. Under the precondition that the existing pension benefits of the elderly are not affected, the pilot program provides a new way to support the elderly and the elderly may voluntarily purchase insurance on the basis of their living conditions and pension demands. | | （三）有利于丰富老年人的养老选择。反向抵押养老保险属于商业保险范畴。开展试点，在不影响老年人既有养老福利的前提下，增加了一种新的养老方式，老年人可根据个人生活状况和养老需求自愿投保。 |
| 4. It is favorable to the promotion of the further participation of the insurance industry in the development of the pension service industry. Accelerating the development of the pension service industry is an inevitable requirement for responding to the pension situation and meeting the increasing pension demands of the elderly. The pilot program shall be favorable to bringing the advantages of the insurance industry in risk management and fund management into full play, exploring effective measures for the multi-dimensional participation of the industry in the development of the pension service industry, and expanding new space for the development of the industry itself. | | （四）有利于保险业进一步参与养老服务业发展。加快养老服务业发展，是应对养老形势，满足老年人日益增长的养老需求的必然要求。开展试点，有利于发挥保险业风险管理、资金管理等优势，探索行业多方位参与养老服务业发展的有效手段，也为行业自身发展拓展了新空间。 |
| II. Basic principles for carrying out the pilot program | | 二、开展试点的基本原则 |
| 1. Being fair, keeping good faith, and safeguarding the lawful rights and interests of consumers. Reverse mortgage pension insurance is an important means of the insurance industry to promote the development of the pension service system in response to the national call. With the elderly as customers, this business has wide coverage, complicated process, and long period. Insurance companies shall take the overall situation into consideration, proceed from actual situations, conduct business operation in compliance with laws and regulations, and fairly treat all consumers. First, insurance companies shall adhere to the principle of fairness and impartiality in terms of real estate assessment, mortgage, and subsequent management, and strictly implement legal provisions and contractual stipulations. Second, product terms shall be easily understood and the business process shall be standardized and feasible, which are easy for the elderly to understand and accept. Third, in the process of business operation, the right to know of consumers shall be fully protected. Insurance companies shall, in light of the consumption habits and characteristics of the elderly consumers, strengthen communication and exchange and effectively disclose information related to the rights and interests of consumers. | | （一）公平守信，保障消费者合法权益。反向抵押养老保险是保险业响应国家号召，推动养老服务业发展的重要手段。该业务以老年人为客户，业务涵盖面广、流程复杂、期间较长。保险公司应顾全大局，立足实际，依法合规经营，公平对待消费者。一是在房产评估、抵押、后续管理等方面秉持公平公正原则，严格执行法律规定及合同约定。二是产品条款简单易懂，业务流程规范可行，使投保老人便于理解和接受。三是在业务运行过程中，充分保障消费者的知情权。要结合老年消费者的消费习惯和特点，加强沟通与交流，对与消费者自身权益有关的信息，应做好披露工作。 |
| 2. Conducting business operation in a prudent manner and intensifying risk prevention. Reverse mortgage pension insurance is an innovation on pension security methods, and it involves the vital interests of the elderly and attracts much attention from the general public; meanwhile, this business connects the traditional pension insurance with the real estate market; therefore, the legal relationship is complicated, there are more risk factors, and it is difficult to control risks. Insurance companies shall adhere to prudent business operation, attach great importance to potential risks and hidden troubles in the process of business operation, and strengthen risk prevention and control in terms of, among others, clause preparation, process design, legal compliance, and business management. | | （二）审慎经营，强化风险防范。反向抵押养老保险是养老保障方式的创新，涉及老年人的切身利益，社会关注度较高；同时，该业务将传统养老保险与房地产市场联系起来，法律关系复杂，风险因素多，风险管控难度较大。保险公司应坚持审慎经营，高度重视业务经营中可能存在的风险隐患，在条款制定、流程设计、法律合规、业务管理等方面加强风险防范和控制。 |
| 3. Making bold innovations and attaching importance to summarization and communication. Reverse mortgage pension insurance is an innovation on the business modes of the existing commercial pension insurance, and is an active exploration in the establishment of a new commercial pension insurance product framework. Insurance companies shall emancipate minds and in light of various pension policies of the Central Government and local areas, broaden thinking and make bold innovations in terms of, among others, improving the pension benefits and services of the elderly, promoting the construction of the pension security system, and accelerating the development of the pension service industry. Meanwhile, insurance companies shall effectively summarize experience of the pilot program, strengthen communication with regulatory authorities regarding relevant situations, and effectively conduct information submission so as to lay a foundation for future popularization. | | （三）大胆创新，注重总结沟通。反向抵押养老保险是对现有商业养老保险的业务模式创新，是构建新型商业养老保险产品框架的积极探索。保险公司应解放思想，结合中央和地方各项养老政策，在改善老年人养老待遇和服务、促进养老保障体系建设、加快养老服务业发展方面广开思路，大胆创新。同时，保险公司要做好试点经验总结，并就相关情况加强与监管部门的沟通，做好信息报送，为日后推广奠定基础。 |
| III. Application for and confirmation of qualification for engaging in the pilot program | | 三、试点资格申请与审核 |
To carry out the pilot program, an insurance company shall file an application with the CIRC to obtain the qualification for engaging in the pilot program.
．．．．．． | | 保险公司开展试点，应当向中国保监会提出申请，获得试点资格。
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