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Notice by the General Office of the China Banking and Insurance Regulatory Commission of Issues concerning Strengthening the Actuarial Regulation of Personal Insurance [Effective]
中国银保监会办公厅关于强化人身保险精算监管有关事项的通知 [现行有效]
【法宝引证码】

Notice by the General Office of the China Banking and Insurance Regulatory Commission of Issues concerning Strengthening the Actuarial Regulation of Personal Insurance 

中国银保监会办公厅关于强化人身保险精算监管有关事项的通知

For the purposes of further strengthening the actuarial regulation of personal insurance, improving the system of personal insurance regulation indicators, more effectively protecting the lawful rights and interests of insurance consumers, and promoting the high-quality development of the personal insurance market, the relevant issues are hereby notified as follows: 为进一步强化人身保险精算监管,完善人身保险监管指标体系,更好保护保险消费者合法权益,推动人身保险市场高质量发展,现就有关事项通知如下:
I. An insurance company shall calculate the coverage ratio of liability reserve in accordance with the formula prescribed in this Notice (see Annex 1). The calculation formula for the “coverage ratio of liability reserve” in the Notice of Issuing the Rules for the Development of the Actuarial Reports by Personal Insurance Companies (No. 45 [2018], CBIRC) shall no longer apply.   一、保险公司应按照本通知规定的公式(见附件1),计算责任准备金覆盖率。《关于印发人身保险公司<精算报告>编报规则的通知》(银保监办发〔2018〕45号)中“责任准备金覆盖率”的计算公式不再执行。
II. The dividends used by insurance companies for the demonstration of dividends insurance benefits shall not exceed the upper limit calculated according to the following formula:   二、保险公司用于分红保险利益演示的红利不得超过按以下公式计算的上限:
(V0 + P) × Spread level × Dividends distribution ratio (V0 + P)×利差水平×红利分配比例
V0 means the reserve (excluding the amount of survival benefits at this point) corresponding to the initial dividend calculation basis of this policy year; P means the annual net premium of the policy calculated based on the reserve assessment basis corresponding to the dividend calculation basis; and dividend distribution ratio is uniformly 70%.
......
 其中:V0指本保单年度期初红利计算基础对应的准备金(不包括该时点的生存给付金金额);P指按红利计算基础对应的准备金评估基础计算的本保单年度净保费;红利分配比例统一为70%。
......

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