China Insurance Regulatory Commission to ensure insurance regulations, regulate the Internet platfor-freyja

CIRC to ensure the insurance legislation and regulations of Internet related business after each intern reporter Yuan Yuan in the push to guarantee the trend, P2P net loan platform Internet began to seek a more diversified means to increase trust, guarantee insurance is one of them, now this business will also usher in the era of strict supervision. Recently, China Insurance Regulatory Commission issued a document to regulate the Internet platform to ensure the insurance business, for the Internet platform to ensure the existence of insurance business problems, focusing on the Internet platform selection, information disclosure and other clear requirements. Insiders told the "daily economic news" reporter said, credit insurance has its unique properties, it is aimed at the enterprise and individual credit, so there is a certain risk in the risk control and other aspects, especially the cooperation platform and P2P Internet, more risky. China Insurance Regulatory Commission issued a document specification, affirmed this business model and given the relevant specifications, but from the current situation, the in-depth development of this cooperation model still takes time. To ensure the insurance regulations in January 29th, the China Insurance Regulatory Commission issued "on the strengthening of the Internet platform to ensure the insurance business management notice" (hereinafter referred to as the "notice"), for the Internet platform to ensure the insurance business problems, focus on the Internet platform selection, information disclosure, internal management and put forward specific demands. "Notice" shows that insurance companies to carry out the Internet platform to ensure that the insurance business should comply with solvency regulation, based on the capital strength of enterprises to carry out business. In addition, more stringent selection of Internet platform, and there shall not provide services to increase trust, set up the pool of funds, illegal fund-raising and other damage to the national interests and the interest of the public Internet platform to carry out cooperation, and signed in agreement with the Internet platform, the Internet platform is not clear cooperation existing in the prohibited acts, at the same time, the insured should strictly audit qualification. In addition, the notice also requires the insurance company to clarify the information disclosure obligations of the cooperative Internet platform. In the agreement signed between the insurance company and the Internet platform, it should be clear that the Internet platform should not take the expansion of insurance liability and other ways to carry out misleading propaganda. It is worth noting that the "notice" to the insurance company’s internal control and business operations have also made norms. Require insurance companies to strengthen the construction of internal control management system, establish a sound risk control management system and standard operating procedures, and in March 15, 2016 before the relevant risk control management systems to the circ. The relevant departments of the China Insurance Regulatory Commission said that the release of the notice will help to strengthen the Internet platform to ensure the management of insurance business, and promote the Internet platform to ensure the sustained and healthy development of the insurance business. Insurance companies and platforms have the demand, to guarantee the trend, more and more Internet platform and insurance cooperation as a means to increase trust, guarantee insurance has become one of the many security platform. At the same time, insurance companies are also trying to cooperate with this model, hoping to carry out more in-depth cooperation with the Internet platform. However, due to the higher access threshold, the real insurance insurance cooperation platform and insurance companies are not many. It is understood that the Internet platform to introduce insurance insurance model has two main types: first, insurance theory

保监会为保证保险立规 规范互联网平台相关业务   ◎每经实习记者 袁园   在去担保趋势的推动下,P2P网贷等互联网平台开始寻求更多元化的增信手段,保证保险正是其中之一,如今这项业务也将迎来严格的监管时代。   近日,保监会发文规范互联网平台保证保险业务,针对互联网平台保证保险业务存在的问题,重点对互联网平台选择、信息披露等提出明确要求。   有业内人士对《每日经济新闻》记者表示,信用保险有其一定的独特性,它针对的是企业和个人信用,因此在风控等方面存在一定的风险性,尤其是与P2P等互联网平台合作,风险性更大。保监会此次发文规范,肯定了这种业务模式并给出了相关的规范细则,但从目前的情况来看,这种合作模式的深入发展仍需要时间。   为保证保险立规    1月29日,保监会发布《关于加强互联网平台保证保险业务管理的通知》(以下简称《通知》),针对互联网平台保证保险业务存在的问题,重点对互联网平台选择、信息披露、内控管理等提出明确要求。   《通知》显示,保险公司开展互联网平台保证保险业务应当遵守偿付能力监管,在企业资本实力的基础上开展业务。此外,还要严格选择互联网平台,不得与存在提供增信服务、设立资金池、非法集资等损害国家利益和社会公众利益行为的互联网平台开展合作,并在与互联网平台签订的协议中,明确合作互联网平台不得存在上述禁止行为,同时,还要严格审核投保人资质。   此外,《通知》还要求保险公司明确合作互联网平台的信息披露义务。在保险公司与互联网平台签署的协议中,应当明确互联网平台不得采取扩大保险责任等方式开展误导性宣传。   值得注意的是,《通知》对保险公司的内控和业务经营情况也做出了规范。要求保险公司加强内控管理制度建设,建立完善的风控管理制度和规范的操作流程,并于2016年3月15日前将相关风控管理制度报送保监会。   保监会有关部门负责人表示,《通知》的发布有助于加强互联网平台保证保险业务管理,促进互联网平台保证保险业务持续健康发展。   险企和平台均有需求    当前,在去担保的趋势下,越来越多的互联网平台把与保险合作视为增信手段,保证保险也成为很多平台的保障模式之一。同时,险企也在尝试这种合作模式,希望跟互联网平台开展更深入的合作。   然而,由于准入门槛较高,真正实现保证保险合作的平台和险企并不多。据了解,互联网平台引入保证保险的模式主要有两种:一是保险公司直接向P2P产品资产端提供信用保证;二是对不同风险程度的P2P产品设定差异化履行保险赔付额度的费率。   截至2016年初,与险企开展合作的平台约有50家左右,但真正引入保证保险模式的仅有10家左右。   业内人士称,信用保证保险属于传统险种,其以往的合作对象也主要是银行,银行是信用保证保险的合作主体。近几年,随着P2P等互联网平台逐步发展,信用保证保险也成为这些平台与险企合作的一个点,但以P2P为主的互联网平台存在高风险,所以险企在选择合作对象时也十分慎重。   中国工商大学保险系主任王绪瑾表示,此次保监会下发《通知》,可以看做是对这种合作业务模式的肯定,《通知》内容也有助于对险企业务进行规范和引导。然而,由于保证保险本身的风险问题,其很难在短时间内发展起来。   一些业内人士亦认为,受互联网平台自身发展条件约束,真正能通过保险企业测评的平台并不多,即便有些平台与险企开展了合作,其合作条款中也是有诸多条件和限制。具体的深入合作还需看未来互联网平台的市场环境和发展方向.但必须承认,这种保障保险肯定会成为一个合作趋势,因为互联网平台和险企都有这方面的诉求。 进入【新浪财经股吧】讨论相关的主题文章: