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多家险企公司治理存问题 保监会一日发五监管函

2017-10-12 04:26:53   

保监会一日发五监管函 加码防风险

在治理保险业乱象方面,保监会持续加码。继9月30日保监会一日连开5张罚单后,10月11日,保监会官网再次连续挂出5份监管函,珠江人寿、上海人寿、阳光人寿、渤海人寿、君康人寿这5家保险公司与关联方的部分关键交易被保监会紧急叫停。

监管函显示,保监会在今年2月至4月,对上述险企进行了公司治理现场评估,5家保险公司在股东大会、董事会、监事会和高级管理层运作、关联交易、合规与内控管理、内部审计、考核激励等方面存在问题。对此,保监会要求上述5家保险公司自监管函下发之日起6个月内,禁止公司直接或间接与关联方开展包括借款等在内的部分交易。上述6个月期满之日起3个月为观察期,观察期内,保监会将对此项监管措施的落实情况进行检查,视情况采取后续监管措施。

据了解,5家保险公司中君康人寿和渤海人寿均涉及股权方面问题,另外3家被点名的保险公司分别存在高管不参加董事会会议、关联交易管理不规范等问题。

具体来看,阳光保险、珠江人寿以及上海人寿主要在公司治理和内部管控方面存在问题较多。例如,在上海人寿治理现场评估发现的问题中,存在董事会运作不规范、独立董事制度缺失、管理不规范、高级管理人员免职未按时报备等问题,而珠江人寿则是在股东大会、董事会以及经营管理层经营运作等方面均被发现问题。而除了董事会运作不规范、公司章程不完备等问题,阳光保险还因未设立董事会秘书被点名。

在5家被点名险企中,渤海人寿问题较为严重,被保监会“数罪并罚”。据监管函,渤海人寿除存在股东股权质押解质押管理不规范的问题,还存在股东大会运作管理不规范、董事会运作不规范、监事会运作不规范、关联交易管理不规范、信息披露不及时、发展规划执行评估不到位、高管人员离任审计不及时、薪酬制度不符合监管要求等多项问题。

依据相关规定,保监会要求上述险企高度重视公司治理评估发现的问题,在接到本监管函后立即实施整改工作,成立由主要负责人牵头的专项工作组,制定切实可行的整改方案。整改方案应当明确具体时间和措施,确保将每一项问题的整改工作落实到具体部门和责任人。

各类行业乱象已经引发保监会的高度重视。在11日举行的“2017年中国寿险十月前海峰会”上,保监会副主席黄洪直言,我国人身保险市场在快速发展中也出现了不少问题,尤其是有些乱象与监管不力直接相关,说明强化监管势在必行、迫在眉睫。同时,他也再次强调,强化人身保险业监管,重点是堵塞制度漏洞,补齐监管短板,治理市场乱象,维护市场稳定运行。在治乱方面,对于违背经营规律、形成风险隐患的保险机构,坚决予以整治,有效遏制违法违规行为。

东方金诚首席分析师徐承远认为,保监会加大处罚力度是保险领域强监管的具体表现,有利于遏制保险业风险积聚。保监会的强监管措施突出了“保险姓保”的原则,有利于引导保险行业回归本源,保障保险资金安全,服务实体经济。同时他预计,保险业强监管将成为未来一段时期的常态,保监会将围绕以风险为导向的“偿二代”体系,加强风险防控推动行业平稳健康发展。

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