據報中銀保監鼓勵險企參與個人養老金制度 明確資質及產品要求
《澎湃新聞》引述消息報道,中銀保監近日向各地銀保監局及保險公司下發《關於促進保險公司參與個人養老金制度有關事項的通知(徵求意見稿)》,鼓勵保險公司積極參與個人養老金制度,提出保險公司應認真貫徹落實個人養老金相關制度要求,有效發揮優勢、合理控製成本,持續提升能力,做到營運安全、回報穩健、服務便捷,向人民群眾提供長期保值增值、條款簡明易懂的商業養老保險, 滿足日益增長的多樣化養老需求。
就產品而言,《徵求意見稿》明確,保險公司提供的商業養老保險包括年金保險及兩全保險,以及銀保監會認定的其他產品,相關產品要求保險期間不短於五年等。
對於經營個人養老金相關業務的保險公司,《徵求意見稿》提出要求包括上季度末所有者權益不低於50億元人民幣且不低於公司股本(實收資本)的75%;上季度末的綜合償付能力充足率不低於150%、核心償付能力充足率不低於75%;上季度末責任準備金覆蓋率不低於100%;及最近三年未受到金融監管部門重大行政處罰等。
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