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中銀保監提高保險公司權益類資產配置比例
阿思達克 07-18 12:24
中銀保監發布《關於優化保險公司權益類資產配置監管有關事項的通知》,相關官員指,制定通知是為進一步深化保險資金運用市場化改革,及更大程度將自主決策權交給保險公司。在有效控制風險的前提下,對保險公司權益類資產配置實施差異化監管,支持償付能力水平充足、財務狀況良好及風險承擔能力較強的保險公司,適度提高權益類資產配置比例,積極發揮保險資金長期穩定的優勢,為實體經濟和資本市場提供更多資本性資金。

通知內容共有12條,主要內容為設置差異化的權益類資產投資監管比例。根據保險公司償付能力充足率、資產負債管理能力及風險狀況等指標,明確八檔權益類資產監管比例,最高可到佔上季末總資產的45%。主要考慮是在差異化監管基礎上,賦予公司更多自主投資權,提高監管政策的精準性和針對性。

另外亦將強化對重點公司的監管,從防範風險角度出發,明確規定償付能力充足率不足100%的保險公司不得新增權益類資產投資,責任準備金覆蓋率不足100%的人身險公司、資金運用出現重大風險事件、資產負債管理能力較弱且匹配狀況較差、受到處罰的保險公司、權益類資產監管比例不得超過15%。對於被動原因造成超過監管比例的保險公司,應當及時報告並提交切實可行的整改方案,並在六個月內整改到位。

當局亦將增加集中度風險監管指標,針對以往出現的盲目投資、過度投資、頻繁舉牌等不理性行為,在現有指標基礎上,進一步完善集中度監管指標。通知規定,保險公司投資單一上市公司股票的股份總數,不得超過該上市公司總股本的10%,進一步分散類別和品種投資風險。

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