Insurance division. Growing institute
To solve " the client worries about insurance company to go bankrupt close down, how should insurance contract do? " problem, agent of a lot of insurance is in the process that postpones line of business, can move the famous insurance way inside course of study the 89th:
Unscramble simply next for " insurer won't go broke close down " , the customer that does not know to read an article at the moment also has had encountered kind experience.
In fact, a lot of agent unscramble the view that insurer won't go broke 89 times with insurance law, forbid actually truly. Always enterprise, be faced with the lifecycle of the enterprise possibly, birth, although insurance company is managed dovish, but be faced with because of managing not to be pooh-poohed likely also go bankrupt. What we should pay close attention to more is, if insurer went broke, whether can our insurance contract continue to fulfill, and get cash?
If can the whole technological process of the system that understands operation of mechanism of insurance company safety, believe to be able to help great master when buying insurance, more put a person's mind to decide how to choose insurance company, and how does oneself contract rights and interests obtain safeguard.
So, small today make up from insurance company establish a condition, operation is superintended, go bankrupt 3 canto come to the system all-around unscramble the truth.
One: Establish a condition pieceInsurance company photograph relatively at average company company, establish a condition to comparative Yan Ke:
A. Need to protect inspect to be able to approve via silver of the State Council:
Everybody examines and approve news to what the search on the net leaves insurance company license plate, know to be sure now license plate " one card is begged hard " market level has many serious;
B. Severe choose partner:
The insurance company partner that hold water, want to have persistent gain capacity, reputation is good, do not have nearly 3 years great break the law violate compasses record, net assets not under the RMB 100 million yuan;
Partner is not rich OK, need has persistent gain ability and good reputation; For example: Kept watch 2017 meeting give an official does not allow in A Renshou prepares to construct, the reason is it initiate partner Ningxia Yi to taste financial standing not beautiful, do not have persistent gain capacity, do not accord with " insurance company equity runs way " ;
C. Register capital Jin Xionghou:
The enrollment that creates insurance company capital gold, lowermost limitation is 200 million RMBs, and must be sth used to one's own advantage of real pay currency;
General we establish a company the enrollment of hundred thousands of capital gold is enough also, still can choose to know capture way; But insurance company starts even if two 100 million, odd from this can see of insurance company holding water is very strict, it is very tall to registering the requirement of capital, and must be proof of bank financial condition or accountant office issued check endowment the real pay capital of the report, register capital gold to need one-time reach the designated position;
At present the insurance company on market exceeds 100+ , everybody can keep watch in silver data of government of meeting fish out, very rare insurance company registers capital to have 200 million only, the enrollment that is 200 million above for the most part capital, it is very difficult that so insurance company wants to close down.
Insurance company establishs the unusual Yan Ke that the doorsill blocks, can reduce the probability that insurer goes broke greatly, and in real operation a series of relevant safety in superintendency process superintend measure, the safety that assured insurance company is dovish manage:
The first safe firewall: Make insurance earnest money;
Insurance company is in at the beginning of holding water, open the door before deal, all need to pay insurance earnest money. This money besides go bankrupt outside pay off debt, must not employ. The capital specified number of this bail is spent 20% to register capitalization, the means of the time of the place of the utility to this money, memory, memory, memory and security have a demand, and accept the superintendency of the silver-colored meeting that keep watch.
No matter be to appear on the market,insurance company or blame appear on the market insurance company, everybody can consult publicly to publish a report to their year message, in " put a capital earnest money " this capital is found to deposit the bank that appoints in what below course.
We are with life of person of an ancient name for China exemple, its register capital for 15.3 billion, institute of as above plan is shown, 20% what birthday extracted person of an ancient name for China to register capital gold, namely 3.06 billion as insurance earnest money, put to designation superintendency bank, must not employ besides pay off debt. The meeting that keep watch can show the earnest money of each insurance company regularly, these everybody can be checked on the net of Chinese insurance guild.
The 2nd safe firewall: Make insurance liability reserve;
From the drawing in the insurance cost of collection, did not expire to assume responsibility and processing pendency compensation. Insurance liability reserve is the preparation that performs insurance duty to insurance company is mixed plan carry, beforehand cipher out can have rate of compensate of how many manage, mix this compensation that wants to pay first retreat the cost that keeps place to need to shift to an earlier date obligate comes out, this money cannot have other utility, use at compensate for and be being retreated to protect only. Make sure reasonable compensate is mixed retreat there is enough money to give a client when protecting.
The 3rd safe firewall: Insurance accumulation fund;
Allocate profit after tax every year from insurance company lawfully in, extraction 10% include a company legal accumulation fund, when accumulative total forehead achieves the 50% above that register capital, extracted no longer. The utility of accumulation fund is: When company happening deficit, can use offset loss, make sure the company operates normally; When having deficit, can enhance the solvency of the company, increase the credit of the company, develop the management of the company.
The 4th safe firewall: Insurance ensures fund;
Insurance safeguard fund is when insurance company by cancel or when suspend payment, basically offer to the client relieve and offer to insurance company relieve, was equivalent to insurance company also buying insurance actually, when the degree that insurance company reached to cannot be managed, also can have so brushstroke capital will ensure client and his.
On the history altogether of insurance safeguard fund moves 3 times to take-over or deliverance insurance company, at present remaining sum already was broken through 100 billion! This capital is press requirement pay by each insurance company, by fund of Chinese insurance safeguard finite liability company is managed as a whole, use at to by the client of the insurance company of cancel or suspend payment, or the insurance company that accepts life-insurance contract is offerred relieve.
In the experience that moves 3 times this, first time skill is new China company of insurance company and risk of belongings of combination of China of the 2nd skill all with new partner intervene perfect exit, maintain the interest of client insurance contract, still maintained relatively the yield of beautiful; It is skill deliverance brought state assurance 2018 the 3rd, still take-overing at present rectify in the center, have latest news, meeting synchronism and everybody are shared again.
The 5th safe firewall: Solvency is superintended;
Every quarter trends superintends solvency, need maintains on requirement of the meeting that keep watch. The discretion of solvency gets the action of multinomial index and influence, tell from security, had jumped over higher, apply efficiency to tell from management efficiency and capital, accord with superintendency requirement can.
Insurance company ought to have the sth used to one's own advantage that with its risk and business dimensions photograph get used to, ensure solvency is led amply not under 100 ％ , assure manage compensate demand of the client. If pay rate falls,cut superintendency demand, the silver-colored meeting that keep watch can ask insurance company is adopted rectify and reform measure, will raise solvency; Solvency is not worth badly, superintendency orgnaization of the State Council can is opposite directly take-over all right actually.
The 6th safe firewall: Conduction reinsurance mechanism;
Insurance company but him accept insurance is capable of the risk mark of cash, when onefold risk amount is exorbitant, have 10% of capital gold summation actually more than, exceeded share ought to deal with reinsurance.
Cite a case, for instance ship of a maritime freight wants to undertake casting protecting now, keep the specified number 2 100 million, insurance company feels this risk is too big, will among them of 100 million protect the forehead to seek an insurance company one case accept insurance comes down, namely will among them 100 million did reinsurance, come by reinsurance company accept insurance.
Through dealing with reinsurance, can ensure the manage compensate of insurance company does not have significant risk, prevent the situation that compensate of occurrence insurance company goes bankrupt.
The 7th safe firewall: Capital is run superintend;
" law of insurance of People's Republic of China " and " insurance fund uses government temporary measure " the form that stipulated insurance fund can be applied clearly and the form that can not use, this decided insurance fund cast to it is safer and dovish.
If operation is superintended 7 firewall, still do not have method to avoid insurance company trend to go bankrupt the destiny of liquidation, client of contract of hold guarantee slip also need not worry too, insurance law is to have relevant and clear exit mechanism regulation, will ensure insurance contract rights and interests of the client.
This is business of contract of management somebody life go bankrupt transfer a regulation:
And life-insurance to be not contract, its go bankrupt liquidation can't repay of guarantee slip interest, by insurance safeguard fund is offerred relieve, the standard below specific reference:
At the moment, may representative of certain big company can jump out to say: "Buy insurance to want to pick big company, small company goes broke more easily close down, prospective cash can sell at a discount " .
In fact consumer need not worry too at all, be sure related life of cut-price partial dispute person contract, relevant and safe to person life, the safeguard content that is kept into the contract to decide is certain and OK cash, the profit of conduct financial transactions that decides to inaccuracy or share out bonus may because manage not to be pooh-poohed, go bankrupt close down be affected certainly; If consider to be not affirmatory share out bonus and economy gains, inspect the investment ability of insurer calendar year, solvency appears very important.
Be in at present home, did not give the case that currently holds the post ofHe Yijia insurance company to close down, insurance safeguard fund moves to help the new Chinese birthday of management not to be pooh-poohed before, china combines He Anbang to be sure, it is to defend a client original guarantee slip interest is insusceptible; Intervene because of what be sure to ensure fund instead, rectify actively, introduce new partner to wait, make the management of these a few insurance company better than before;
The risk that no matter measurement insurance company has management not to be pooh-poohed to go bankrupt,closes down, insurance company is in face partner change, change the name of insurance company, go bankrupt close down to be take-overed to wait by the silver-colored meeting that keep watch, consumer is sure to close coequal increase in cash when, it is the responsibility that agrees according to contract provision has cash certainly, won't appear the accident insurance that you buy, produce serious illness to be able to get the case of manage compensate.
From Yan Ke establish a condition, to the 7 big step of superintendency operation, go bankrupt to liquidation again mechanism, it is to the legal system system with perfect safety of one a complete set of will prop up, the look is very more than what go up at market reach investment firm without project of superintended conduct financial transactions, the safe grade of insurance contract and insurance company is very tall.
So, suggest individual consumer is cast protect, content of first consideration safeguard clause is the biggest change advantageous oneself, consider the issue that insurance company closes down again.
Above is all-around the full knowledge dot that unscrambles operation of insurance company security, the hope can help great master. The problem of more insurance and conduct financial transactions, pay close attention to please " financial ormosia " quiz to me.
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