银保监会规范保信合作

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来源:中国保险报网

记者:张爽

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近日,中国银保监会办公厅下发《关于保险资金投资集合资金信托有关事项的通知》(以下简称《通知》)。与2014年发布的《关于保险资金投资集合资金信托计划有关事项的通知》相比,《通知》由原来的8条增加为19条,对保险机构选择信托公司的标准作出了明确调整。

《通知》除了要求信托公司上年末经审计的净资产不低于30亿元人民币,还要求其具有完善的公司治理,良好的市场信誉和稳定的投资业绩。此外,公司及高级管理人员未发生重大刑事案件,未受监管机构重大行政处罚的规定期限由3年改为1年。

《通知》还对保险资金投资集合资金信托设置了诸多禁止项。保险资金不得投资基础资产属于国家及监管部门明令禁止的行业或产业的资金信托;不得由金融机构提供任何直接或间接,显性或隐性的担保,回购等代为承担风险的承诺;不得投资单一资金信托,不得投资结构化集合资金信托的劣后级受益权禁止将资金信托作为通道

此外,对于基础资产为非标准化债权资产的集合资金信托,《通知》对其信用评级的要求更加细化,要求信用等级不得低于符合条件的国内信用评级机构评定的AA级或者相当于AA级的信用级别,2014年发布的通知要求不低于甲级。同时,还应当确定有效的信用增级安排。

XX《通知》It is also clear that, except for collective fund trusts with a credit rating of AAA, the investment amount of an insurance group (holding company) or an insurance company investing in the same collective fund trust shall not exceed 50% of the size of the paid trust of the product. The investment amount of the group (controlling company), the insurance company and its related parties investing in the same collective fund trust shall not exceed 80% of the size of the paid trust of the product.

The data shows that the scale of insurance fund investment fund trusts has grown rapidly. By the end of 2018, the scale of investment fund trusts of insurance institutions was 1.27 trillion yuan.

The China Insurance Regulatory Commission said that the《通知》announcement is an important measure for the Banking Regulatory Commission to promote insurance funds to better serve the insurance industry and the real economy. Expanding the scope of “guarantee” cooperation is conducive to creating a good and fair playing environment for insurance institutions and trust companies; clarifying the regulatory orientation of insurance funds to go through and nesting, which is conducive to restricting unreasonable and non-compliant investment business development; The credit enhancement arrangement of insurance fund investment trust shall not be provided by financial institutions, which is conducive to breaking the rigid payment of financial institutions; clarifying the scope of investment of basic assets, which is conducive to further exerting the industry advantages accumulated by trust companies in non-standard assets and guiding insurance funds more The land flows into the real economy.

In the next step, the Banking Insurance Regulatory Commission will strengthen the supervision of the insurance fund investment collective fund trust, give play to the long-term stable investment advantage of insurance funds, and further enhance the economic efficiency of the insurance fund service entity.

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