內地險企開展個人養老金業務要具備綜合償付能力充足率不低於150%等條件
中國銀保監會發佈關於保險公司開展個人養老金業務有關事項的通知稱,保險公司開展個人養老金業務,可提供年金保險、兩全保險,以及銀保監會認定的其他產品(統稱個人養老金保險產品)。
保險公司開展個人養老金業務需要符合條件包括: 上年度末所有者權益不低於50億元人民幣(下同)且不低於公司股本(實收資本)的75%;末綜合償付能力充足率不低於150%及核心償付能力充足率不低於75%;責任準備金覆蓋率不低於100%; 最近四個季度風險綜合評級不低於B類;最近三年未受到金融監管機構重大行政處罰;具備完善的信息管理系統,與銀行保險行業個人養老金信息平台實現系統連接,並按相關要求進行信息登記和交互等。
同時,養老主業突出、業務發展規範及內部管理機制健全的養老保險公司,可以豁免第一款關於上年度末所有者權益不低於50億元的規定。
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