中银保监下发保险资产管理产品管理暂行办法徵求意见稿
中国银保监会公布，为规范保险资产管理产品业务发展，统一保险资管产品监管标准，引导保险机构更好服务实体经济，有效防范金融风险，银保监会根据《关於规范金融机构资产管理业务的指导意见》要求，起草了《保险资产管理产品管理暂行办法(徵求意见稿)》并公开徵求意见。
《办法》共八章67条，包括总则、产品当事人、产品发行设立、产品投资与管理、信息披露与报告、风险管理、监督管理和附则。主要内容是明确产品定位和形式。保险资管产品定位为私募产品，面向合格投资者非公开发行，产品形式包括债权投资计划、股权投资计划和组合类保险资管产品等。以及明确产品发行机制。落实深化「放管服」改革部署，进一步简政放权，结合保险资管产品特点，推进债权投资计划和股权投资计划注册发行、组合类保险资管产品登记发行，取消首单组合类保险资管产品核准要求。同时，对注册机构和登记机构提出明确要求，落实责任，强化事中事後监管。
另外是严格规范产品运作。在打破刚性兑付、消除多层嵌套、去通道、禁止资金池业务、限制期限错配等方面与《指导意见》保持一致。同时从审慎监管角度，要求保险资金投资的保险资管产品，其投资范围应当遵守保险资金运用的监管规定。此外，是压实产品发行人责任。进一步要求保险资管机构加强投资管理能力建设，落实风险责任人机制，健全产品全面风险管理体系，将产品业务纳入内部稽核和资金运用内控审计。
内容亦包括强化产品服务机构职责。细化托管人、投资顾问等机构的资质和职责，同时对相关服务机构依法依规加强问责和监管。以及完善产品风险管理机制。要求保险资管机构按规定提取风险准备金，强化保险资管机构对关联交易的识别和报告义务。另外是落实穿透监管，保险资管机构应当有效识别保险资管产品的实际投资者与最终资金来源，充分披露资金最终投向、投资标的和交易结构等信息。
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