cciia.org.cn 2022-11-15 17:27:32 銀(yin)保監會網站(zhan)
近日，經(jing)國(guo)務院批準，中國(guo)銀(yin)保監(jian)會(hui)會(hui)同財政部、人民(min)銀行修訂(ding)并發布(bu)《保險(xian)保障基(ji)金管(guan)理辦法(fa)》（以下(xia)簡稱(cheng)《管(guan)理辦法(fa)》），有關部門負(fu)責人就相關問題(ti)回(hui)答了記(ji)者提問。
一、《管理辦(ban)法》出臺的主要背景(jing)是(shi)什么？
2008年，原(yuan)保(bao)(bao)監(jian)(jian)會與財(cai)政部(bu)、人(ren)民銀行以(yi)部(bu)門規章形(xing)(xing)式聯合印(yin)發《保(bao)(bao)險(xian)保(bao)(bao)障(zhang)基金管理辦(ban)(ban)法》，明(ming)確(que)了(le)保(bao)(bao)險(xian)保(bao)(bao)障(zhang)基金作為非政府性行業(ye)(ye)救助(zhu)基金的(de)籌(chou)集、管理、使用和(he)監(jian)(jian)督(du)等內容。但隨著我(wo)國(guo)保(bao)(bao)險(xian)業(ye)(ye)不(bu)斷發展，保(bao)(bao)險(xian)保(bao)(bao)障(zhang)基金制度已難以(yi)適(shi)應形(xing)(xing)勢發展需要(yao)。根據中(zhong)央精(jing)神和(he)國(guo)務(wu)院金融委工(gong)作部(bu)署，銀保(bao)(bao)監(jian)(jian)會會同財(cai)政部(bu)、人(ren)民銀行等單位(wei)進行了(le)大量數(shu)據測算和(he)深(shen)入研究論證，對現行《管理辦(ban)(ban)法》進行了(le)相應修訂。
二、《管理辦法》修(xiu)訂的主(zhu)要思路(lu)是什么(me)？
起草過程(cheng)中我們(men)遵循以下思路(lu)：一是堅持穩中求(qiu)進工作總(zong)基調。在現有制度(du)框(kuang)架下對(dui)少(shao)數(shu)不適應保險業風險防范和高質量發展的條款進行有針對(dui)性的修訂。二是堅持問題導向。結(jie)合新形勢、新要求，完善相關(guan)條款，增強基金費率的(de)科學合理性，提(ti)升保障(zhang)基金(jin)可持續能力(li)。三是堅持(chi)強化管理。完善保險保障基金(jin)管(guan)理制度，進一步(bu)增強基金(jin)籌集、使用和管理的效能。
三、《管理辦法》修訂的主要內容有哪些？
一是修(xiu)改了保(bao)險(xian)(xian)保(bao)障(zhang)基(ji)金籌集(ji)條款。將現行的保(bao)險(xian)(xian)保(bao)障(zhang)基(ji)金固(gu)定費率(lv)(lv)制(zhi)調整(zheng)為(wei)風險(xian)(xian)導向費率(lv)(lv)制(zhi)，明確保(bao)險(xian)(xian)保(bao)障(zhang)基(ji)金費率(lv)(lv)由(you)基(ji)準(zhun)(zhun)費率(lv)(lv)和(he)風險(xian)(xian)差別(bie)費率(lv)(lv)構成，費率(lv)(lv)的確定和(he)調整(zheng)由(you)銀保(bao)監(jian)會提(ti)出方案，商有關部(bu)門(men)并報經(jing)國務院批準(zhun)(zhun)后執行；調整(zheng)保(bao)險(xian)(xian)保(bao)障(zhang)基(ji)金暫停(ting)繳納上限，將財產(chan)保(bao)險(xian)(xian)公(gong)(gong)司、人身(shen)保(bao)險(xian)(xian)公(gong)(gong)司的暫停(ting)繳納上限分別(bie)由(you)占公(gong)(gong)司總資產(chan)的6%、1%調整(zheng)為(wei)占行業總資產(chan)的6%、1%。
二是(shi)明(ming)確保(bao)(bao)(bao)(bao)(bao)險保(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)基(ji)(ji)(ji)金(jin)(jin)相(xiang)關財(cai)務要(yao)(yao)求。要(yao)(yao)求保(bao)(bao)(bao)(bao)(bao)險保(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)基(ji)(ji)(ji)金(jin)(jin)公司和(he)保(bao)(bao)(bao)(bao)(bao)險保(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)基(ji)(ji)(ji)金(jin)(jin)各(ge)自作為獨立會計主體進(jin)行核算(suan)，嚴格分離；延續保(bao)(bao)(bao)(bao)(bao)險保(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)基(ji)(ji)(ji)金(jin)(jin)公司對財(cai)產保(bao)(bao)(bao)(bao)(bao)險和(he)人身保(bao)(bao)(bao)(bao)(bao)險基(ji)(ji)(ji)金(jin)(jin)分賬管理、分別使用等規定(ding)；進(jin)一步允許財(cai)產保(bao)(bao)(bao)(bao)(bao)險和(he)人身保(bao)(bao)(bao)(bao)(bao)險保(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)基(ji)(ji)(ji)金(jin)(jin)之間(jian)可相(xiang)互(hu)拆(chai)借(jie)，具體拆(chai)借(jie)期限、利率及(ji)適用原則報經(jing)銀保(bao)(bao)(bao)(bao)(bao)監會批(pi)準后施行。
三是優化保險(xian)(xian)(xian)保障(zhang)(zhang)基(ji)金(jin)的(de)(de)使用(yong)管(guan)理。豐富動用(yong)保險(xian)(xian)(xian)保障(zhang)(zhang)基(ji)金(jin)情形(xing)，增加“國(guo)務院批準的(de)(de)其(qi)他情形(xing)”；賦予保險(xian)(xian)(xian)保障(zhang)(zhang)基(ji)金(jin)公司(si)“參與風險(xian)(xian)(xian)處置方案和使用(yong)辦(ban)法(fa)的(de)(de)擬定”的(de)(de)權利(li)；新(xin)增“保險(xian)(xian)(xian)公司(si)在獲得(de)保險(xian)(xian)(xian)保障(zhang)(zhang)基(ji)金(jin)支持期(qi)限內，國(guo)務院保險(xian)(xian)(xian)監(jian)督管(guan)理機構視情依法(fa)對(dui)其(qi)采取限制(zhi)高級管(guan)理人員薪酬、限制(zhi)向(xiang)股東分紅(hong)等必(bi)要監(jian)管(guan)措(cuo)施(shi)”的(de)(de)表述。
四是(shi)完善保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)障(zhang)(zhang)基(ji)金(jin)的(de)(de)救(jiu)助(zhu)(zhu)(zhu)規定(ding)。界(jie)定(ding)保(bao)(bao)(bao)單(dan)利(li)益的(de)(de)范圍(wei)；明(ming)(ming)確短期(qi)(qi)健(jian)康保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、短期(qi)(qi)意(yi)外(wai)(wai)(wai)傷害(hai)(hai)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)適用于(yu)財產保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)同(tong)(tong)樣的(de)(de)救(jiu)助(zhu)(zhu)(zhu)規定(ding)；對于(yu)人(ren)壽(shou)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合(he)同(tong)(tong)外(wai)(wai)(wai)的(de)(de)長期(qi)(qi)健(jian)康保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、長期(qi)(qi)意(yi)外(wai)(wai)(wai)傷害(hai)(hai)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)等(deng)(deng)其(qi)他長期(qi)(qi)人(ren)身保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合(he)同(tong)(tong)，規定(ding)其(qi)救(jiu)助(zhu)(zhu)(zhu)方式依照(zhao)法(fa)律、行(xing)政法(fa)規和國務(wu)院有(you)關(guan)(guan)規定(ding)辦(ban)法(fa)，救(jiu)助(zhu)(zhu)(zhu)標準按照(zhao)人(ren)壽(shou)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合(he)同(tong)(tong)執(zhi)行(xing)；在現行(xing)辦(ban)法(fa)基(ji)礎上，明(ming)(ming)確另行(xing)制定(ding)人(ren)壽(shou)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合(he)同(tong)(tong)中(zhong)投資成分等(deng)(deng)的(de)(de)具體(ti)救(jiu)助(zhu)(zhu)(zhu)辦(ban)法(fa)；新增“保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)障(zhang)(zhang)基(ji)金(jin)公(gong)(gong)司(si)救(jiu)助(zhu)(zhu)(zhu)保(bao)(bao)(bao)單(dan)持(chi)有(you)人(ren)保(bao)(bao)(bao)單(dan)利(li)益后，即在償(chang)(chang)付金(jin)范圍(wei)內取得該(gai)保(bao)(bao)(bao)單(dan)持(chi)有(you)人(ren)對保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)等(deng)(deng)同(tong)(tong)于(yu)賠償(chang)(chang)或者(zhe)(zhe)給付保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)金(jin)清償(chang)(chang)順序的(de)(de)債權”的(de)(de)表述，進一步明(ming)(ming)確債權轉移關(guan)(guan)系；明(ming)(ming)確自保(bao)(bao)(bao)公(gong)(gong)司(si)經營的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)業(ye)務(wu)不屬于(yu)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)障(zhang)(zhang)基(ji)金(jin)的(de)(de)救(jiu)助(zhu)(zhu)(zhu)范圍(wei)，不繳納保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)障(zhang)(zhang)基(ji)金(jin)；對保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)被撤銷或者(zhe)(zhe)破產負有(you)責任的(de)(de)實際控制人(ren)、監(jian)事和相關(guan)(guan)管(guan)理人(ren)員在該(gai)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)持(chi)有(you)的(de)(de)保(bao)(bao)(bao)單(dan)利(li)益不予救(jiu)助(zhu)(zhu)(zhu)。
五是加強保(bao)(bao)險(xian)保(bao)(bao)障基(ji)金(jin)相關監(jian)督管(guan)理。明(ming)確保(bao)(bao)險(xian)公司被處置并使用保(bao)(bao)險(xian)保(bao)(bao)障基(ji)金(jin)時(shi)，其股東、實際控制(zhi)人、董事、監(jian)事、高級(ji)管(guan)理人員(yuan)(yuan)及(ji)相關管(guan)理人員(yuan)(yuan)負有(you)報(bao)告、說明(ming)、配合有(you)關工作等應盡義務，如上述(shu)人員(yuan)(yuan)未履行(xing)相關義務，由銀(yin)保(bao)(bao)監(jian)會依(yi)法采取監(jian)管(guan)措施；對未及(ji)時(shi)繳納(na)保(bao)(bao)險(xian)保(bao)(bao)障基(ji)金(jin)的(de)保(bao)(bao)險(xian)公司及(ji)人員(yuan)(yuan)，賦(fu)予保(bao)(bao)險(xian)保(bao)(bao)障基(ji)金(jin)公司進行(xing)公示的(de)權利。
四、《管理(li)辦法(fa)》向(xiang)社(she)會公開(kai)征求意見(jian)的情況(kuang)如何？
《管理辦法(fa)》公(gong)開征(zheng)求意(yi)見(jian)期間，個別保險(xian)公(gong)司、保險(xian)行業從(cong)業人員(yuan)、專家學者等從(cong)條款理解、實踐做法(fa)、文字表達等方(fang)面提出了(le)很好(hao)的(de)意(yi)見(jian)和建(jian)議，我(wo)們對這些(xie)意(yi)見(jian)和建(jian)議都(dou)進行了(le)認真研究，合理的(de)意(yi)見(jian)均(jun)已(yi)采納。
日期：2022-11-15 17:27:32 | 關閉 |
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