Universal insurance ushered in the most stringent regulation of the new regulations to negative grow imjpmig

Universal insurance ushered in the most stringent regulation of the new regulations to the negative growth of the premium Sina fund exposure platform: letter Phi lag behind false propaganda, the performance of long-term lower than similar products, how to buy a fund pit? Click [I want to complain], Sina help you expose them! Source: daily business daily in the past two years under the banner of high-yield, low threshold, the banner of universal insurance, sought after by the market, was even regarded as the main financial products investors to buy. The China Insurance Regulatory Commission recently issued "on the strengthening of personal insurance products supervision work notice", "on further improving the life insurance actuarial system related issues notice", was once the "universal insurance demonized", ushered in the history of the most stringent regulatory rules. Analysts believe that with the insurance regulation ", the entire industry is extremely urgent. Especially small insurance firms will be forced to transition, the adjustment of product form and people life insurance business line. And investors should not be universal insurance as a financial product to buy, pay attention to liquidity risk. The new regulations to strengthen universal insurance universal insurance function has been due to high income, once became a popular commodity on the net sales platform. It also had to modify the terms of the short-term financial risk change, was halted regulators. Later, in the dispute Vanke equity, universal insurance market focus, which makes regulators bear tremendous pressure. Recently, the insurance regulatory authorities in public repeatedly stressed that the insurance surname insurance, while the new regulation of personal insurance regulation in this context unveiled. Different from the previous "network" of the "draft" of the new regulations, more emphasis on the essence of insurance protection, and for the name "personal insurance products, risk protection, universal insurance liability reserve assessment in short-term interest rate, the duration of business accounting and other aspects of the new regulatory requirements. In the market analysts, the first drop fee reform interest rate regulation, determined worthy of attention. From the new regulation point of view, life insurance products, especially universal insurance protection function has been strengthened. It is understood that the most universal insurance coverage for accidental death and cumulative premiums or the account value is 150% (more than 100% parts representing additional security value), the other death ratio was 120%. However, the new regulations will increase the proportion of the proportion of the main age of death insurance increased from 120% to 160%, compared with the value of the security has been significantly improved. Substandard products will be fully suspended in April 2017. It is worth mentioning that, after the insurance company wants to sell universal insurance, you need to extract more reserves. The new regulations to universal insurance liability reserve interest rate cap adjustment from 3.5% to 3%, which means that insurance companies in the pricing more conservative. Guoxin Securities (002736, shares) analyst Chen Fu said: "for the insured, the insurance contract is scheduled interest rate by revenue protection rate, lower the interest rate to some extent reduce the attractiveness of universal insurance." Universal insurance premium to negative growth is universal insurance? Universal insurance refers to the protection of life insurance in addition to the same as the traditional life insurance, but also allows customers to participate directly in the insurance company for the establishment of the investment account of the investment activities of the fund’s products. That is to say, universal insurance both investment and security theory相关的主题文章: