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保监会全面规范保险公司信保业务
2017-08-01 10:23:40 中国经济网
为加强对信用保证保险业务(以下简称“信保业务”)的监督管理,规范信保业务经营行为,防范金融交叉风险,促进信保业务持续健康发展,近日,中国保监会公布《信用保证保险业务监管暂行办法》(以下简称《办法》),对出口信用保险以外的信保业务予以全面规范。
《办法》明确提出,保险公司开展信保业务应坚持“依法合规、小额分散、稳健审慎、风险可控”的原则,确保公司经营稳定。
针对前期存在的突出问题,《办法》以“负面清单”的形式规定信保业务的经营范围和市场行为:一是禁止保险公司为部分融资行为提供信保产品和服务,如类资产证券化业务或债权转让行为,非公开发行债券业务,主体信用评级或债项评级AA+以下的公开发行债券业务,保险公司的控股股东、子公司以及关联方的融资行为(关联方的资金融出行为除外)等。二是禁止保险公司承保违反保险原理、超过国家规定贷款利率上限等信保业务。同时,禁止保险公司以拆分保单期限或保险金额、通过保单特别约定或签订补充协议等方式开展信保业务。三是禁止保险公司与不符合互联网金融相关规定的网贷平台合作以及超额承保网贷平台信保业务。
在划定保险公司信保业务经营红线的同时,《办法》也着重要求保险公司加强风险管控,从源头上防范风险。一方面,明确内控管理要求。从制度建设、组织架构、团队建设、系统建设、财务核算、准备金提取等方面作出明确规定,提高保险公司内部管控水平。另一方面,明确风控措施要求。从资信审核、还款路径、押品管理、风险共担、信息对接、应急管理等方面作出明确规定,提高保险公司风险识别和防范能力。
下一步,保监会将继续鼓励保险公司在风险可控的前提下,稳步发展信保业务。同时,密切关注《办法》执行效果,进一步加大监管力度,促进保险公司信保业务持续健康发展,更好地服务实体经济和国计民生。
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