A lot of consumer have these doubt --

Can insurance company close down after ten years?

Medium or small the product of insurance company is installed insecure, can be you bought?

Is selecting insurance product see a company first brand?

These actually OK end is a problem, that is the security problem of insurance company.

Insurance company, it is zephyr joins nearly after all, rely on the company that the risk makes money, can be you turned over by the risk bite?

These problems, ask it was opposite ↓

Can say, " insurance law " for our country insurance industry draw a frame round decided perfect admittance, manage superintend and exit mechanism frame, in order to ensure the stability of insurance market and insurance company moves, we understand together.

Insurance law the 67th: Establish insurance company to ought to be sure to supervise administration approval via the State Council.

Insurance law the 68th: Establish insurance company to ought to have following requirement:

(one) 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;

(2) have accord with this law and " company law of People's Republic of China " formulary constitution;

(3) those who accord with this doctrine regulation register capital;

(4) have have hold a post thing of the trustee of professional knowledge and business work experience, inspect and senior administrator;

(5) have perfect origanization construction and administrative system;

(6) those who accord with a requirement do business place and the other facilities that concern with management business;

(7) law, administrative regulations and the other condition that the State Council is sure to supervise an administration to set.

Insurance law the 69th: Create insurance company, the lowermost limitation that its register capital is a RMB 200 million yuan. The State Council is sure to supervise administration basis the scope of business of insurance company, operation, can adjust its to register the lowermost limitation of capital, but must not under a limitation of the first regulation.

The enrollment of insurance company capital must be sth used to one's own advantage of real pay currency.

The establishs need to get superintendency an orgnaization approval of insurance company, do not want to be able to leave. Of insurance company establish have strict requirement, doorsill, have clear superintendency orgnaization and superintendency method.

Have clear superintendency orgnaization, taller establishing a threshold is very important, with the network with higher in last few years temperature coadjutant plan is exemple, a lot of networks help each other the company is to pull millions of wind to invest gold to do with respect to haste, for fear that misses this sale heat. But, because lack superintendency limitation and perfect wind to accuse measure, go 2 years, already 10 several coadjutant platform close down.

And insurance company, can not be rich can of open. Want open insurance company and manage insurance Wu, the management insurance business that must get superintendency an orgnaization approving licence.

And license of management insurance business, be absolutely rare lack resource, silver protects inspect to meet and can not allot one pile anyhow, the company of state-owned money has a lot of in, be sure presumably a thick soup of industry cent cup? Queue up to waiting.

Have the tall admittance doorsill of so severe exacting, can the insurance company that open rises has the partner background with capital abundant actual strength basically.

Cite a case casually, showily person life, you may have not heard of. But its partner, you are impossible to do not know:

The insurance company that make much ado creates successfully, managing on also cannot arbitrary absurd is, must lawfully act, the solvency that accepts superintendency branch is superintended.

2, insurance company manages superintendency Yan Ke

The management of insurance company, be the restriction that has a lot of conventions, such ability make sure the stability of insurance company is managed.

1. responsibility gold plans a system

Insurance law the 98th: Insurance company ought to the basis ensures the insurant interest, principle that assures solvency, draw each responsibility reserve.

Insurance liability reserve, it is to show insurance company did not expire to responsibility and processing pendency are compensated for and prepare from a kind of capital of the drawing in insurance premium income to assume.

Simple for, every sell insurance company go out a product, can gain regular insurance cost income, but the manage compensate that the company also should produce possibly for future make corresponding preparation.

To pay manage compensate of future fee, need extracts brushstroke money to prepare from inside insurance cost, this money is responsibility reserve.

System of 2. accumulation fund

Insurance law ninety-nine: Insurance company ought to draw accumulation fund lawfully.

Accumulation fund is the additional capital of insurance company, when company happening deficit, usable will offset deficit, make sure its are managed normally; When the company is managed normally, can increase company solvency to be led amply.

Solvency superintends 3.

Insurance law the 101st: Insurance company ought to have the lowermost solvency that with its business dimensions and risk level photograph get used to.

Of insurance company approbate asset to subtract the number that approves indebted balance to must not be sure to supervise an administration to set under the State Council; Under quota, the requirement that ought to be sure to supervise an administration according to the State Council adopts relevant measure to reach formulary number.

2 generation superintend the solvency of Chinese insurance regular (2 generation superintend countervail regular) , it is for oriented new generation with the risk solvency superintends regulation.

Meet according to keeping watch relevant provision, solvency of insurance company core is led amply not under 50% , integrated solvency is led amply not under 100% , integrated grade is in the risk B kind reach above, accord with above at the same time 3 requirements accord with solvency to superintend main demand just now.

Superintend in such high pressure under, the management of insurance company undertakes for the first principle with security, after all solvency leads 100% amply is lowermost requirement.

Once appear,manage not to be pooh-poohed, affected company solvency, superintendency branch can adopt measure to have repair, run the company pullback the right path.

Can release according to keeping watch " insurer solvency administers a regulation " thirtieth 8, to be not worth kind of company, china protects inspect to meet ought to distinguish different situation, adopt following a multinomial perhaps superintendency measure:

(one) instruct increase capital gold to perhaps be restricted share out bonus to partner;

(2) the firewood fulfil level that restricts trustee, senior administrator and on-the-job consumption level;

(3) limitative commerciality advertisement;

(4) limitation adds branch, restriction scope of business, instruct stop to develop new business, instruct make over insurance Wu to perhaps instruct conduction cent to give professional work;

(5) instruct sale assets to perhaps restrict fixed assets to purchase;

(6) limitative capital uses channel;

(7) adjust chief to reach concerned administrator;

(8) take-over;

(9) China protects inspect to be able to think necessary other superintendency measure.

Superintendency branch delimit superintendency red line, when insurance company runs red line of not good at lay a finger on, the meeting that keep watch will adopt a variety of measure to have repair, the most severe case can take over control directly.

On the history, insurance of combination of new Chinese birthday, China is superintended the branch has take-overed, and manage regain the right path, superintendency Fang Gongcheng is retreated personally.

Anyhow, on the superintendency of solvency, superintend square delimit rigid solvency standard, insurance company can ensure with the greatest effort he has enough solvency, once do not amount to mark to be able to be superintended,punish just, refuse to mend one's ways despite of repeated admonition or below the case with severe case, superintend square can direct skill to take-over, help insurance company return the right path.

4. reinsurance mechanism

Insurance law the 103rd: Insurance company is right each dangerous unit, the responsibility that the place of limits of the biggest loss that creates possibly to insurance accident namely assumes, 10% what must not more than actually capital gold increases accumulation fund total; Exceeded share ought to deal with reinsurance.

Insurance law the 104th: Insurance company is right of dangerous unit differentiate method and plan of catastrophe venture arrangement, ought to sign up for the State Council to be sure to supervise an administration to put on record.

Insurance law the 105th: The regulation that insurance company ought to be sure to supervise an administration according to the State Council deals with reinsurance, reinsurance of careful choice accepts a person.

Very may much person had not heard of reinsurance company, simple for, reinsurance company is the insurance company of insurance company.

When onefold risk amount is exorbitant, insurance company must deal with reinsurance with dispersive risk.

Cite a case, some local tyrant bought a 10 million birthday a place difficult of access that keeps the specified number, but because accept insurance exceeds the birthday risk specified amount of 10 million,spend, the risk is too high, because this insurance company will be right among them 5 million do reinsurance cent to protect.

Had reinsurance company disclose the whole inside story, the risk of insurance company also is able to disperse, because some is affected second risk loss is too big and overly,won't manage with solvency.

5. capital is applied superintend

Insurance law the 106th: The capital of insurance company is applied must dovish, follow security principle. The capital of insurance company applies be confined to following form:

(one) bank deposit;

(2) the negotiable securities such as portion of fund of investment of bond of buying and selling, stock, negotiable securities;

(3) investment is praedial;

(4) the other fund that the State Council provides uses a form.

The specific management method that insurance company capital uses, before by the State Council insurance supervises administration according to two regulation is made.

If insurance company is applied in capital go up not proper, affect company liquidate force probably, accordingly, in danger endowment apply on, besides the regulation of afore-mentioned insurance laws, superintendency branch still came on stage more detailed " insurance fund uses administrative method " , apply in order to restrict the fund of insurance company.

Anyhow, of danger endowment apply should accord with two words above all -- safe!

3, can insurer go broke close down?

How does my guarantee slip do?

The insurance of the tall admittance doorsill that preamble place says, Yan Ke is superintended, made sure on absolutely old rate the stability of our country insurance company is managed, but do not be equal at " insurance company won't close down " .

In fact, a mature insurance market, must have exit a mechanism perfectly.

For instance, japan is after economic bubble is undone 1991, cause insurance company to go bankrupt wet, 1997-2001, 9 insurance company apply for to go bankrupt.

So is the law of our country how set?

Insurance law the 89th: Insurance company is disbanded because of schism, amalgamative need, or resolution of plenary meeting of meeting, shareholder disbands partner, or company rules sets disband main content to appear, after supervisory administration is approved, insurance of classics the State Council is disbanded.

Run the insurance company that has life-insurance business, because of,divide schism, incorporate or by lawfully outside cancel, must not disband.

Insurance company is disbanded, ought to establish liquidation group to undertake liquidating lawfully.

Insurance law the 90th: Insurance company has " law of business failure of People's Republic of China " of case of the 2nd regulation, via insurance of the State Council supervisory administration agrees, insurance company or its creditor can apply for reforming to people court lawfully, reconcile or go bankrupt liquidation; It is OK also that the State Council is sure to supervise an administration apply for to undertake to this insurance company reforming perhaps goes bankrupt to people court lawfully liquidation.

Can say, "According to our country insurance law sets, insurance company does not allow to close down " , the likelihood is the tale with Chinese the greatest insurance.

We have reason to believe, in our country " countervail 2 generation " Yan Ke superintends system to fall, insurance company closes down is the issue with an extremely small probability, but, not be to say Chinese insurance company won't close down absolutely.

Actually, as consumer, what we need to pay close attention to is to be in most most most below extreme circumstance, some insurance company closed down, how does the guarantee slip of ourselves do?

Insurance law the 92nd: The insurance company of business of insurance of management somebody life by lawfully cancel or by lawfully of suspend payment, its hold some life-insurance contracts and responsibility reserve, must make over 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, the insurance company that by insurance of the State Council supervisory administration appoints business of insurance of management somebody life is accepted make over. Make over or supervise an administration to assign the life-insurance contract that accepts provision of the section before making over and responsibility reserve by insurance of the State Council, ought to safeguard the legitimate rights and interests of insurant, beneficiary beneficiary.

Insurance law the 100th: Insurance company ought to pay is sure to ensure fund. Insurance safeguard fund ought to focus management, use as a whole below following scenario:

(one) in insurance company by cancel or by suspend payment when, to policy-holder, insurant or beneficiary beneficiary is offerred relieve;

(2) in insurance company by cancel or by suspend payment when, to accept its lawfully the insurance company of life-insurance contract is offerred relieve;

(3) the other state that the State Council rules.

Insurance safeguard fund raises money, management and use specific method, make by the State Council.

From above article can see, although birthday danger insurer goes broke, the insurance contract of former holder also won't invalidation, and meeting and corresponding reserve are arrived to suffer by move together allow insurance company.

The insurance company that take over, and insurance ensures fund, can safeguard the legitimate rights and interests of insurant, beneficiary beneficiary.

Summary

" insurance law " for our country insurance market established a lot of path relief valve, of the tall admittance doorsill that regulated insurance market, Yan Ke manage superintend and exit mechanism frame.

Insurance superintends law of sectional according to, undertake strict superintendency to our country insurance company, ensure insurance company has enough solvency.

Of strict legal regulation and Yan Ke superintend, the insurance contract that assured our customer has very high security, be in even most below extreme circumstance, insurer goes broke close down, the legitimate rights and interests of guarantee slip still can get maintenance.