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Investment linked insurance included in the short range Philip Kang Renshou Sun Life Everbright high-www.sdcp.cn

Posted on June 4, 2018 by hanson

Investment linked insurance included in the short range Philip Kang Renshou Sun Life Everbright high proportion of premium to be adjusted Sina fund exposure table: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? Click on [I want to complain], Sina help you expose them!   each reporter Tu Yinghao recently, the regulatory authorities for short duration supervision of insurance products continue to strengthen, let the hot moment of universal insurance products hit. Recently, the China Insurance Regulatory Commission once again shot, will join the insurance is also included in the short deposit extended product range, unified supervision. So, compared to the previous regulatory policy, the new rules of life insurance what are the differences, what will affect the relevant insurance companies? Under tighter supervision, how will the insurance companies that rely heavily on such products cope with it? In view of the above problems, the daily economic news reporter conducted a survey interview. In September 6th, the China Insurance Regulatory Commission issued "on the further perfection of notice related matters of personal insurance actuarial system" (hereinafter referred to as the "notice"), the investment linked insurance, variable annuity insurance, included in the short duration range of products for the insurance company according to the actual situation assessment. This completely cut off some insurance companies in the universal insurance under the short-term deposit renewal products under the influence of the new deal, trying to use the join insurance to shock the market size of the idea. It is understood that this year 7 month, Philip Kang Renshou, Sun Life Everbright investment linked insurance premium over 200 billion yuan, the two investment linked insurance industry accounted for the premium income of nearly 80%, compared to other insurance firms affected significantly. Philip Kang Renshou, Sun Life Everbright Investment Linked Insurance Premiums accounted for the size of the premium rates were 91.37% and 84.04%, need to adjust product strategy. Warburg securities insurance industry researcher Luo Xiang told the "daily economic news" reporter, this will be included in the short duration of investment linked insurance product range, is designed to compress the high part of the insurance company in short duration products accounted for, avoid excessive speculation". The Philip Kang Renshou, Sun Life Everbright and investment linked insurance premiums accounted for relatively large insurance firms influence, but is not expected to appear cliff style crash, after all, the new regulations also give the insurance company a transition time. Philip Kang Renshou: a premium 200 billion in the "daily economic news" reporter noted earlier, 2015, Philip Kang Renshou with an investment linked insurance products to achieve premium income of 213 million yuan, accounting for the top 5 product 88%. At the same time, in the 73 life insurance companies, the total premiums of more than 20 billion yuan only 23. This means that the premium income of a life insurance product will exceed the total premium income of nearly 70% of the industry. According to the disclosure of the annual report, the product of endowment insurance for hykon online financial plan (equity-linked). In 2015, Warburg securities investment linked insurance report, Philip Kang Renshou financial Jingdong in Hong Kang sales online financial planning of endowment insurance products, 50% investment in the steady increase in profits, increased profits 180 50% investment accounts, investment accounts, are in fixed income accounts. The so-called fixed income accounts, which accounts for the investment scope includes debt plan, real estate planning and fixed income trust scheme and other non standardized assets, including stocks, stock funds, futures on 投连险纳入中短期范围 弘康人寿光大永明保费占比偏高待调整 新浪基金曝光台:信披滞后虚假宣传,业绩长期低于同类产品,买基金被坑怎么办?点击【我要投诉】,新浪帮你曝光他们!     ◎每经记者 涂颖浩   最近,监管部门对于中短存续期保险产品监管的不断加强,让火爆一时的万能险产品备受打击。近日,保监会再度出手,将投连险也纳入到中短存续期产品范围统一监管。那么,相比以往监管政策,此次人身险新规有哪些不同,将会对相关险企带来哪些影响?在趋严的监管之下,较为倚重此类产品的险企将如何应对?针对上述相关问题,《每日经济新闻》记者进行了调查采访。   9月6日,保监会印发了《关于进一步完善人身保险精算制度有关事项的通知》(以下简称《通知》),将投连险、变额年金险,纳入中短存续期产品范围,要求保险公司根据实际情况进行评估。这彻底断绝了部分险企在万能险受中短存续期产品新政影响之下,试图借助投连险来冲击市场规模的想法。   据了解,今年前7月,弘康人寿、光大永明投连险保费均超200亿元,两家投连险业务占行业该项保费收入近80%,相较其他险企受此影响显著。弘康人寿、光大永明投连险保费占规模保费比例分别为91.37%和84.04%,产品策略亟待调整。   华宝证券保险行业研究员罗乡告诉《每日经济新闻》记者,此次将投连险纳入中短存续产品范围,旨在压缩部分保险公司高企的中短存续期产品占比,避免过度“投机”。这对弘康人寿、光大永明等投连险保费占比较大的险企影响较大,但预计也不会出现断崖式大跌,毕竟新规也给了保险公司一个过渡时间。    弘康人寿:一款产品保费200多亿    《每日经济新闻》记者早前留意到,2015年,弘康人寿凭借一款投连险产品实现保费收入213亿元,占前五名产品的88%。同期,在73家人身险公司中,总保费超过200亿元的仅有23家。这意味着,弘康人寿一款产品实现的保费收入就超越了近七成同业的总保费收入。   据其年报披露,该款产品为弘康在线理财计划两全保险(投资连结型)。华宝证券在2015年投连险报告中指出,弘康人寿在京东金融销售的弘康在线理财计划两全保险产品,50%投资于平稳增利账户,50%投资增利180投资账户,均为类固定收益型账户。   所谓类固定收益型账户,即账户投资范围包括债权计划、不动产计划以及固定收益类信托计划等非标准化资产,不包括股票、股票型基金、期货等高风险产品。由于相对于其他理财产品(如银行理财等)收益高,而且流动性也非常高(锁定期通常小于365天),此类互联网投连险产品一经推出即被抢购一空。得益于此,弘康人寿投连险市场份额快速提升――由2014年的1%,增加至2015年的29%。   2016年,弘康人寿加码“投连险+互联网”模式产品销售,市场份额进一步扩张至45%(2016年前7月)。截至今年8月份,弘康人寿还在官网及多家第三方平台上销售对应弘康在线理财计划两全保险的天天盈,锁定期显示“灵活领取,无领取手续费”。此外,年年盈、九月盈、半年盈,锁定期分别为9个月、6个月、1年,对应的投连险均为弘康易理财年金保险,产品旗下投资账户仍都是固定收益型账户。   上述互联网投连险无疑在中短存续期产品的范围之内。业内人士指出,由于互联网投连险产品封闭期非常短,以这种期限错配来维持高收益很容易导致流动性风险。弘康人寿在其2015年年报中也表示,公司基于自身业务经营的特点,定期对资产负债率和流动性比率等指标进行监控,并与资产流动性管理相结合,确保负债流动性处于可接受范围之内。   不过,弘康人寿此类中短存续期产品的具体销售数据暂不得而知。截至发稿,弘康人寿尚未回复《每日经济新闻》记者的采访邮件。今年前7月,弘康人寿已实现投连险保费273亿元,占其规模保费比重高达91.37%。    光大永明:投连险业务同比增长五成    相对于弘康人寿,光大永明的投连险业务增长发力要更早。2013年,光大永明实现投连险保费772.26万元,而到2014年,其投连险业务快速增长至216亿元。华宝证券表示,光大永明旗下投连险规模(2014年)主要来自于类固定收益账户。   光大永明2014年一季度新设立5个投连险账户,均为类固定收益型账户,5个账户在其当年的投连险规模中已占绝对比重。其中,优选账户设立日期为2014年1月1日,智选账户设立日期为2014年3月3日,精选账户、慧选账户及稳定账户设立日期为2014年3月7日。2015年,精选账户、慧选账户、优选账户及稳定账户四个账户的规模(单位数*单位净资产)占其旗下全部投连险账户规模比重高达98.6%。   不过,在弘康人寿2015年发力投连险业务之际,光大永明投连险业务的扩张一度放缓。2015年,光大永明实现投连险保费240亿元,同比仅增长11%。其投连险占行业该项保费收入的比重由2014年的75%,下降至2015年的35%。今年1~7月,光大永明实现投连险保费收入207亿元,同比增长51%。在弘康人寿市场份额快速提升之下,光大永明基本维持了去年末的市场份额,略降至34%。   值得注意的,此次《通知》延续了之前中短存续期产品与投资资本和净资产挂钩的规定,并限定在规模保费的一定比例内,还将投连险纳入到了中短存续期产品中来,可谓更加严格。   罗乡告诉《每日经济新闻》记者,“预计短期内投连险保费收入并不会出现大幅下跌。但从趋势上来讲,投连险的增速已开始趋于下行。2016年7月,投连险同比增速为84.16%,远低于1月份的155.93%。”   事实上,参照之前3月新规实施给万能险保费增长带来的影响,行业保费增长虽然开始出现回调,但依旧在高位。各大保险公司还通过增资的方式,以应对监管带来的影响。   根据《通知》,自2019年1月1日、2020年1月1日、2021年1月1日这三个时点起,保险公司中短存续期产品年度规模保费占总保费之比分别不得超过50%、40%、30%。   罗乡表示,“就投连险本身来讲,比万能险和分红险投资属性更浓。此次,将投连险纳入中短存续产品范围,旨在压缩部分保险公司高企的中短存续期产品占比,避免过度“投机”。对于此类产品占比本就过高的公司而言,应主动压缩占比,注重长期人身保险产品的开发和销售。同时,正如保监会副主席黄洪所说,保险公司要顺应财富管理发展趋势,否则会被边缘化。因此,整体而言,保险公司要坚守保障,回归价值;同时,适度开发万能险和投连险以适应日益增长的财富管理需求。” 进入【新浪财经股吧】讨论相关的主题文章: