Every classics edits diversiform-leaved poplar of every classics reporter Yao Xiangyun
Rose on May 1 this year, individual taxation is given delay model endowment insurance will lead preexistence Shanghai, Fujian Province (the retail sales that contain mansion) with be born of area of Suzhou industry garden. Once this message is released, draw the public enormous attention to market of endowment insurance of our country business instantly. Except capture taking a heart cost deducts standard, policy applicable object besides, consumer pays close attention to generally still include, what insurance company has relevant product, insurance cost and relevant safeguard are like what kind.
Additional, a personage of high level of birthday risk company discloses, "Bring into a duty to give delay model the orgnaization that business of risk of provide for the aged seeks opinion range has 10, belong to first pilot orgnaization likely. Belong to first pilot orgnaization likely..
" daily economy news " the reporter combs discovery, up to this year in Feburary end, home has had 8 professional endowment insurance companies, and the subsidiary that is division of large insurance group to fall more. Individual product side, be sure with annuity more at present (share out bonus or add and all-purpose model) , a serious illness nurses safely, for a long time insurance give priority to.
Domain of danger of provide for the aged is shown " 8+X " situationKeep the material that inspect can publish according to silver, up to this year in Feburary end, home already had provide for the aged of provide for the aged of life of provide for the aged of restful provide for the aged, peace and tranquility, country, the Yangtse River, extreme the health provide for the aged, provide for the aged that bring country, new China the endowment insurance company that provide for the aged, person protects 8 major such as provide for the aged. Can see, company of risk of these 8 provide for the aged all " back " large insurance company, it is large risk look forward to the significant position in market of commercial endowment insurance. Among them, provide for the aged of the Yangtse River is the core member of group of Pacific Ocean insurance.
Those who need an attention is, although category of company of risk of congeneric and professional provide for the aged, look forward to of afore-mentioned a few danger still are the distinction with certain existence. " daily economy news " the reporter inquires public data discovers, with the peaceful that rolls out particular insurance product and safeguard plan health provide for the aged differs, new China provide for the aged basically begins provide for the aged to guarantee administrative business, client of the body that it is a group (include government organization, enterprise or business unit etc organism) provide safeguard of provide for the aged and the fund government service related to safeguard of provide for the aged, include be commissioned management, account management, investment management, pay to pay, firewood fulfil is given delay, the service item such as welfare plan. As suffer trust management square, new China the fixed position of provide for the aged is close to the asset administration at capital of provide for the aged more.
Additional, in light of the data that publishs from the silver-colored meeting that keep watch, without the country of any insurance cost income provide for the aged of birthday provide for the aged, the Yangtse River and person protect what provide for the aged adopts also should be similar pattern. Nevertheless, the insurance group that belongs to as a result of place of afore-mentioned a few companies has company of corresponding birthday danger brother below the banner, accordingly, begin a duty to give delay model business of risk of provide for the aged, can not appear too much obstruction. Besides, in average birthday risk company, also have development of many product of sortie endowment insurance and supply. This is meant, with respect to market of commercial endowment insurance character, participated in main body to form " 8+X " situation.
And delay as duty model the formal be born with pilot danger of provide for the aged, look forward to of which a few danger will first rolling out the central point that relevant product also makes an industry pay close attention to. A personage of high level of birthday risk company to " daily economy news " the reporter discloses, before long before, superintendency respect has postponed business of risk of provide for the aged with respect to duty to the opinion is sought inside course of study, it is to be inside limit range nevertheless, was not each birthday danger or company of risk of provide for the aged to receive this to ask for opinion draft. "Be known according to me, bring into a duty to give delay model the orgnaization that business of risk of provide for the aged seeks opinion range has 10, belong to first pilot orgnaization likely. Belong to first pilot orgnaization likely..
As we have learned, this asks for opinion draft to be aimed at participated in danger look forward to to raise requirement of more than 10 aptitude, involve insurance of pension of capital actual strength, solvency, provide for the aged and capital of provide for the aged to manage business experience, essence to calculate technical capability, investment to manage ability, information to manage system, branch and network position to wait.
Danger of provide for the aged is sure to give priority to with annuity moreData shows, 2017, company of risk of most and professional provide for the aged lies outspread phase, insurance cost grows somewhat compared to the same period. Among them, the insurance cost income of restful provide for the aged is gotten between company of risk of professional provide for the aged run, income of insurance cost of implementation primary insurance 17.56 billion yuan and protect an investment fund to be added newly pay fee (great majority is universal a place difficult of access) 7.265 billion yuan. Peaceful the income of primary insurance insurance cost of health provide for the aged and protect an investment fund to be added newly hand in cost to mix 4.167 billion yuan for 5.14 billion yuan respectively. Additional, provide for the aged of peace and tranquility and two groups of data criterion of the provide for the aged that bring country are respectively 4.604 billion yuan mix 316 million yuan; 7.9 mix 775 million yuan.
From the point of insurance cost structure, the product that place of company of risk of provide for the aged rolls out also presents safeguard model with blame safeguard coexisted circumstance, the insurance cost scale of two kinds of business can achieve partial risk look forward to " 55 " .
" daily economy news " danger of provide for the aged of reporter inquiry much home and discovery of net of official of birthday risk company, with respect to endowment insurance character, share out bonus or the pension insurance of add and universal a place difficult of access is the product kind that compares the main trend.
Generally speaking, product of this kind of annuity is met an annuity gets set period (retire for insurant normally the age) , insurance company is gotten in annuity period undertake every year paying. Capture expends term side, 5~20 year relatively common. Get period it is normally between 50~60 one full year of life.
Huang Hong of vice-chairman of the silver-colored meeting that keep watch ever expressed, commercial endowment insurance serves as the 3rd pillar, just should not become additional the simple complement that increases annuities to accumulate, want to assume a certain foundation to ensure a function however. Regard bond finance as business, commercial endowment insurance ought to assure profit to what policy-holder offers complete lifecycle, help its accumulate a brushstroke annuities safe and dovishly, ensure policy-holder lives to be old, get old. And from look forward to of danger of current great majority advocate in light of the pattern of endowment insurance product that turn, can have afore-mentioned features basically.
Notable is, outside removing single endowment insurance product, partial risk look forward to also is being explored " cure raises couple " mode, like peaceful health provide for the aged puts forward " community of provide for the aged + rehabilitation hospital " . But to a few in for small insurance company, although apiration is begun, but still encountered a few real problems. Life of Great Wall person is right " daily economy news " the reporter says frankly, the problem of long-term and financial program that the company hopes to solve place of provide for the aged to need through insurance product already, the doctor that also chooses form a complete set through the service of form a complete set raises a service, laid in certain resource in the respect such as product, endowment canal consequently. But at present, on company whole with give priority to nearly, build in pilot policy information, system, the case that supervises existence of platform butt joint and flow respect to prepare to be not worth with duty Wu.
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