| Notice of the China Insurance Regulatory Commission on Regulating the Product Development and Design of Personal Insurance Companies | | 中国保监会关于规范人身保险公司产品开发设计行为的通知 |
| (No. 134 [2017] of the China Insurance Regulatory Commission) | | （保监人身险〔2017〕134号） |
| All personal insurance companies: | | 各人身保险公司： |
| For the purposes of implementing the requirements of the Notice of the China Insurance Regulatory Commission on Addressing Regulatory Deficiencies to Establish a Rigorous and Effective Insurance Regulation System (No. 44 [2017], CIRC), conducting effective regulation of personal insurance products under new situations, ensuring compliance of the product development and design of insurance companies, causing personal insurance products to practically play their role in providing security and return to their nature of insurance, and preventing business risks, you are hereby notified of the relevant issues as follows: | | 为落实《中国保监会关于弥补监管短板 构建严密有效保险监管体系的通知》（保监发〔2017〕44号）要求，做好新形势下人身保险产品监管工作，规范保险公司产品开发设计行为，切实发挥人身保险产品的保险保障功能，回归保险本源，防范经营风险，现就有关事项通知如下： |
| I. Insurance companies shall develop and design insurance products in adherence to the following principles: | | 一、保险公司开发设计保险产品时应当遵循并坚持以下原则： |
| (1) Developing personal insurance products that help secure and improve the people's livelihood, by centering on the needs of consumers. | | （一）以消费者的需求为中心，发展有利于保障和改进民生的人身保险产品； |
| (2) Developing personal insurance products consistent with the pattern of such products and the direction of the national development strategy, by practical consideration of China's national conditions and industry development. | | （二）以我国国情和行业发展为实际考量，发展符合自身规律，符合国家发展战略导向的人身保险产品； |
| (3) Developing personal insurance products with prominent security functions and in line with loss sharing, risk homogeneity and the law of large numbers, by basing them on the fundamental principles of insurance and learning from international experience. | | （三）以保险基本原理为根本，借鉴国际经验，发展保障功能突出，符合损失分担、风险同质和大数法则的人身保险产品。 |
| II. Vigorous development of the following personal insurance products of insurance companies are supported and encouraged: | | 二、支持并鼓励保险公司大力发展下列人身保险产品： |
(1) The term life insurance products and whole life insurance products developed by insurance companies shall focus on serving the security plan for the death risks of consumers, and the risk coverage levels of such products shall continue to be raised.
．．．．．． | | （一）保险公司开发的定期寿险产品、终身寿险产品，应重点服务于消费者身故风险的保障规划，并不断提高此类产品的风险保障水平。
．．．．．． |
|
Dear visitor, as a premium member of this database, you will get complete access to all content.Please go premium and get more.
1. To become a premium member, please call 400-810-8266 Ext. 171.
2. Binding to the account with access to this database.
3. Apply for a trial account.
4. To get instant access to a document, you can Pay Amount 【￥200.00】 for your single purchase. | |
您好：您现在要进入的是北大法宝英文库会员专区。
如您是我们英文用户可直接 登录，进入会员专区查询您所需要的信息；如您还不是我们 的英文用户；您可通过网上支付进行单篇购买，支付成功后即可立即查看本篇内容。
Tel: +86 (10) 82689699, +86 (10) 82668266 ext. 153
Mobile: +86 13311570713
Fax: +86 (10) 82668268
E-mail:info@chinalawinfo.com
|
| | | |
| | | |