Come from the film " Her "
Civil / A May
One,
"Does insurer go broke closed down how to do? "Does insurer go broke closed down how to do??
This problem can be discharged 3 are in before safe and common interrogative, be in especially face " small company " product when, the query measures increase sharply.
Say interesting, I am mixed in financial group a few years this, of all kinds company and product had been contacted many, but very few somebody asks, did the bank close down how does my money do? Did fund company close down how does my money do? Did stockjobber close down how does my money do?
The person of on 100 million asset was put in the bank, did not see they had feared the bank closes down, buy a thousands of insurance however, very big also odds can ask, if insurance company closed down, how does my guarantee slip do?
But actually, the security of guarantee slip, even taller than your deposit in bank conduct financial transactions.
The bank also cannot say is Too Big To Fail, go bankrupt the case that close down, abroad cans be found everywhere.
It is OK that everybody has fun at search " Hainan develops a bank " , this is the first bank of our country that closes because of management not to be pooh-poohed.
And as " deposit insurance byelaw " come on stage, the bank can go broke not only, and bank savings of the individual after going bankrupt is highest compensate pays limitation for 500 thousand, deposit money to be protected only that is to say 500 thousand. Every bank wants to buy insurance for his deposit, hand in be called " deposit insurance fund " in the orgnaization, insurance cost is go out by the bank. If individual bank savings is more, afraid deposit 500 thousand limitation is insufficient, everybody can put a few banks to reduce a risk more.
But we do not have necessary too afraid insurance company to close down really this problem, it is OK to be aimed at superintendency because of the country the risk that the oldest rate reduces our policy-holder.
And be big company without giving thought to, still be the small company that you had not heard of, the security of guarantee slip, it is same.
2,
1, will explain first " measurement company coequal security " problem.
The license plate of insurance company is very rare be short of, who does not want to be able to leave casually, the requirement that establish is very slashing.
Basis " insurance law " regulation, establish insurance company to want to have following requirement:
Main shareholder is had continuously gain ability, reputation is good, do not have inside 3 years recently great break the law violate compasses record, net assets not under the RMB 200 million yuan.
So, look in me, the company is mixed greatly small more it is the individual's subjective judgement.
Can hold water appear in us the company before, itself very not simple, they have respective development course, and be in superintend strictly of the country under.
2, will explain again " whether can insurance company close down after all " problem.
The insurance company that goes bankrupt on the world really many, but at present till, china closes down without a company.
The insurance of our country, although start late, but go up with superintendency system in relevant code, can saying is a whole world the most comprehensive the most advanced one of.
Interested friend can understand C-ROSS, 2 generation superintend solvency regular.
In this regulation falls, do not run big company small company, insurance company in every case has the possibility that little should close down, can be monitored to come out immediately.
Monitor came out, the silver-colored meeting that keep watch also does not have cooked rice, you see it be opposite last " protect each other " literary work knows, it can close down to having for certain likely company takes step, won't look at helplessly continue to glide.
This is regular, have an European Union only at present can with us side-by-side, the United States, Japan, Hong Kong, be swung at the back.
Good, be no less than dry really going to, want to go bankrupt, it is so easy to also be done not have.
Lift " new Chinese birthday " example:
New China insurance believes everybody should have heard of more or less, look to calculate absolutely now going up is big company.
But at the beginning of 2006, the solvency 2005 has new Chinese life only 61.32% , subsequently, the thing of 13 billion public money also rises to president divert surface.
Public opinion in an uproar, new Chinese birthday already was in the brim that go bankrupt personally right now, superintend then begin to move:
Insurance can employ insurance to ensure foundation to take-over 2007 new Chinese birthday; Foundation took over new Chinese birthday 2.7 billion yuan 2007 the share of 38.8% becomes the biggest partner; Foundation will be new 2009 Chinese life is whole share is made over with more than yuan 4 billion, go out clear entirely, small earn brushstroke, result retreat into the body.
China is faced with the first times " go bankrupt " insurance company is protected by the country inspect will be perfect save.
And, new China after insurance also is protecting gold to exit, appear on the market at succeeding 2011, become now A 4 appear on the market greatly one of insurance company.
The story is told, we return begun problem again: Whether can insurance company close down after all?
The answer: Can, but it is very difficult to be in China.
3, explain finally " guarantee slip security " problem.
Although I say insurance company closes down very hard, but believe to have a friend for certain or worry -- " in case, in case arrived? How does my guarantee slip do to moment then? How does my guarantee slip do to moment then??
This doubt also by very good settlement, " insurance law " the 88th regulation:
The insurance company of business of insurance of management somebody life by lawfully of cancel or by lawfully of suspend payment, its hold some life-insurance contracts and reserve, must transform the insurance company of business of insurance of life of other management somebody; Cannot reach those who make over an agreement with other insurance company, by insurance supervisory administration appoints the insurance company of business of insurance of management somebody life to accept.
That is to say, once insurance company goes bankrupt really, the guarantee slip in our hand can turn first other be willing " receive dish " insurance company, continue to perform contract duty by this insurance company.
If do not have the company that fasten the home to be willing really " receive dish " , the country can appoint an insurance company that has actual strength to be taken over in the round, this can consult what just tell is new China safe example.
So, regular meeting has new insurance company to accept your guarantee slip. Guarantee slip can continue become effective, safeguard content also won't be changed, the contract can continue to carry out.
3,
Suo so much, no more than wants to pass an information namely, our guarantee slip is very safe, need not go worrying about the management state of insurance company.
What solvency, gain ability, this is the thing of superintendency father.
We are paying close attention to the key on our safeguard demand and insurance contract body more, buy the gift that suits oneself best.
Above.
