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万一保险公司破产倒闭了,我的保单会不会没人管

时间:2019-07-14
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很多人买保险时,会有担心:我的保单在手里会持有很多年,万一保险公司破产倒闭了,会不会没人管我啊其实,在我国严格的保险监管体系和完善的保险保障制度加持下,这个担心完全是多余的。

欲知为何,且看下文:

●保险公司不是你想开就能开

●破产倒闭并不是容易的事儿

●保险公司破产,自有接盘侠

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一,保险公司牌照是稀缺资源

在中国,保险公司并非一般企业,不是随便谁都能开的。如果要开保险公司,生产保险产品,根据保险法,必须持有保监会批准的保险业务经营许可牌照,并接受偿付能力监管事实上。保险公司牌照,尤其是寿险公司牌照非常稀缺。

件,《保险法》有明确规定:设立保险公司应当经由国务院保监委监督管理机构批准。件:主要股东具有持续盈利能力,信誉良好,最近三年内无重大违法违规记录,净资产不得低于人民币二亿元;设立保险公司,其注册资本的最低限额为人民币二亿元。保险公司的注册资本必须为实缴货币资本。件:

(1)注册资本不能低于2亿元,而且必须是实缴货币资本,不可分期,不可延期,不可用办公室,机器设备等做抵押注册资本。这意味着,实际操作中,没有20亿以上真金白银,这事根本成不了。

件,却并不是有钱就行的。股东必须是实力雄厚,信誉好,合法合规经营的大企业,如果出资股东背景混乱,拿牌照依然不容易。XX够了吗?不,不!另外,不要忽视“保险公司的设立应该得到国务院保监会监管机构的批准”。因为保险公司对新保险公司的批准一直非常谨慎,等待保险公司许可证的申请正在成长!

由于稀缺,中国的保险公司牌照非常有价值。

其次,结束并非易事

保险公司的批准是如此困难,破产会容易吗?当然不是!事实上,关于保险公司的运作,中国设计了一系列严格的保障机制,监管非常严格。保险公司的破产要比破产困难得多。

1.季度审计报告

一般公司正在审查年度财务报告,但保险公司是季度审查,包括各种报告,声明,文件和材料,这些都比一般公司的审查更严格。

保险公司应当按照保险监督管理机构的规定提交偿付能力报告,财务会计报告,精算报告,合规报告等有关报告,报表,文件和资料。

2.监督资金使用情况

保险法和《保险资金运用管理暂行办法》明确规定了保险公司资金的使用形式:

保险公司使用资金必须合理,并遵守安全原则。保险公司的资金使用限于以下形式:(1)银行存款; (二)债券,股票,证券投资基金等证券交易; (3)房地产投资; (四)国务院规定的其他形式的资金使用。从事保险资金使用的保险集团(控股)公司和保险公司不得有下列行为:(一)非银行金融机构存款; (2)购买受“特殊待遇”和“终止上市风险警告”特殊处理“股票;(7)中国保险监督管理委员会禁止的其他投资活动。

For general enterprises, there are no strict restrictions on capital operations. However, insurance companies are different: insurance companies use funds only for bank deposits, buy and sell bonds, stocks, securities investment fund shares and other valuable securities, invest in real estate, other forms of capital use prescribed by the State Council, and cannot deposit in non-bank financial institutions, Can not directly engage in real estate development and construction, can not engage in venture capital investment. Moreover, there are strict regulations on the proportion of investment.

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3. Solvency supervision

Solvency is a basic indicator that must be considered when measuring the financial situation of an insurance company. Solvency supervision is to ensure that insurance companies have enough money to afford every product they sell.

An insurance company should have a minimum solvency that is commensurate with its business scale and risk level.

According to regulations, insurance companies must have at least 100% of their solvency. If the solvency is less than 100%, the CIRC will take measures against the insurance company, including but not limited to: ordering increased capital, reinsurance; limiting the scope of business; limiting dividends to shareholders.

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Even if the solvency of insurance companies is negative, these insurance companies are still far away from the true bankruptcy.

Insurance licenses are scarce resources. The shareholders who can open insurance companies are not bad. Moreover, if they are silently waiting for the opportunity to get involved in the insurance industry, they will not be bad, and they can increase their capital at any time.

Other mechanisms

In addition to the above-mentioned regulatory mechanisms to ensure the safety and sustainable operation of insurance companies, the Insurance Law also provides security mechanisms such as liability reserves and provident funds.

The insurance company shall, in accordance with the principle of guaranteeing the interests of the insured and ensuring the solvency, withdraw the various liability reserves.

After the insurance company sells the insurance, it needs to make a liability reserve from the premium to avoid the insurance company having no money when the claim is settled.

xx保险公司应当依法将其利润的10%作为公积金从税后利润中提取。

保险公司的业务每年可能无利可图。它可能会在今年获得,但明年将会丢失。年度利润10%用作公积金,因此如果发生亏损,保险公司可以弥补上一年的亏损或扩大生产经营。增加公司资本等。

作为金融行业风险管理中最专业,最全面的保险,在严格的监管机制下,保险公司想要破产并非易事。截至目前,中国保险公司的破产并未真正发生。

第三,即使破产,免费接送人员

国家实施了一系列严格的机制设计,确保保险公司安全可持续。但即便如此,如果保险公司无法管理呢?别担心,政策有自己的。

在极端情况下,根据“保险法”和相关规定,中国保监会可以指定破产公司的仍然担保政策及其政策储备,由另一家保险公司或保险公司承保。

经营人寿保险业务的保险公司依法被撤销或者依法宣告破产的,其持有的人寿保险合同及其责任准备金必须转让给经营人寿保险业务的其他保险公司;它不能与其他保险公司一起转让。对于协议,由国务院保险监管机构指定经营人寿保险业务的保险公司接受转让。

有人会说如果无法达成转让协议,那一定是亏本交易。保险主管实际上可以指定保险公司接受转移。这样反复无常吗?是!因为在指定的同时,将有一个保险保障基金,以向转让公司提供协助。

依法撤销或者依法破产的保险公司的清算资产不足以支付人寿保险合同政策利益的,保险保障基金可以按照下列规定向保单转让公司提供协助:

1. The policy holder is personal, and the amount of the guarantee is limited to 90% of the interest of the policy before the transfer;

2. If the policy holder is an institution, the amount of the bailout shall be limited to 80% of the interest of the policy before the transfer.

How strong is the insurance protection fund? As of December 31, 2017, the balance of insurance protection funds was 112.502 billion yuan, of which the balance of property insurance funds was 71.558 billion yuan, accounting for 63.61%, and the balance of personal insurance funds was 40.944 billion yuan, accounting for 36.39%.

The insurance protection fund can provide assistance to the policy transfer company. Not only these customers are yours, but the premiums paid in the future will be yours. For personal insurance policies, the insurance protection fund can also help the insurance company to take over 90% of the policy benefits. Why are insurance companies not doing it?

In history, the insurance protection fund has been issued three times: one is to participate in the risk disposal of Xinhua Insurance, the second is the risk disposal of the China United, and the third is the 17-year security supervision of the Anbang Life. After the basic resurgence, the customer's policy benefits are not damaged. Every time an insurance company survives the storm, the insurance protection fund can still make a profit, not convinced?

Conclusion

Under the strict and thorough supervision system, as of now, the failure of insurance companies is unlikely. Since China's insurance industry began to resume operations in the 1980s, from the beginning of one or two to the present one or two hundred, experienced a global financial crisis, and there has not been a bankruptcy case.

In short, the insurance company's safe operation design has a strict regulatory mechanism, the risk of the insurance company's failure to close is very small, and even if it goes bankrupt, your policy will still be taken over, the same will be guaranteed, do not have to worry about it!

Author: Paul happy

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