CIRC insurance intermediary to eliminate debt — Chongqing — fiction channel people.com.cn-www.44fang.com

CIRC insurance intermediary to eliminate debt — Chongqing — fiction channel people.com.cn yesterday, the reporter was informed that the CIRC insurance intermediary institutions must be clear not only of its own funds, also introduce capital managed mechanism and risk assessment mechanism to eliminate the potential risks, the insurance intermediary is not strictly fictional debt capital flight. The China Insurance Regulatory Commission issued "on the professional insurance intermediary business license work notice" (hereinafter referred to as the "notice"), set up agency funds must be shareholders of its own funds, funds and real legal, shall not use bank loans and other forms of non self funds. Insurance intermediary supervision department deputy inspector Cheung said that the new problems of intermediary market, such as some professional insurance intermediary institutions in short duration to sales of life insurance products, the scale of business growth is very fast, the risk factors of accumulation; some institutions are in a loss for many years, or funds are long-term occupation of Affiliated enterprises. It is not uncommon for insurance funds to be occupied by affiliated enterprises. In August this year, Hua Kai insurance will be exposed, 17 million yuan of funds were hidden into the pockets of affiliated enterprises. In order to guide the development of insurance intermediary compliance, the notice also increases the demand for capital trusteeship of professional intermediaries. Insurance intermediary capital should be opened in a large commercial banks or joint-stock commercial banks and other custodian bank custodian experience bank custodian accounts, all registered capital into the account. The trusteeship fund shall not be used before obtaining the insurance intermediary business license. After obtaining the license, the investment channels of intermediary institutions are linked to capital, such as the investment of large amount of agreement deposits, the funds of time deposits are not less than 10% of the registered capital, and the pledge shall not be pledged; the total amount of expenditure for the purchase of real estate is not higher than 40% of the registered capital. The notice clearly states that the registered capital shall not be escaped by any means such as fictitious creditor’s rights and debt relations.

保监会杜绝保险中介虚构债权债务–重庆频道–人民网  昨日,记者获悉,保监会不仅明确保险中介机构必须是自有资金,还引入资本金托管机制和风险测评机制来消除风险隐患,严令保险中介不得虚构债权债务抽逃资本金。   保监会下发的《关于做好保险专业中介业务许可工作的通知》(以下简称《通知》)要求,设立中介机构的资金必须是股东自有资金,且资金真实合法,不得使用银行贷款以及其他形式的非自有资金。   保监会中介监管部副巡视员龙翔表示,目前中介市场出现新问题,如一些保险专业中介机构大力销售中短存续期寿险产品,业务规模增长很快,风险因素逐渐积聚;有的机构则长年亏损,或者资金被关联企业长期占用。保险资金遭关联企业占用并不少见。今年8月,华凯保险便自曝1700万元资金被藏进了关联企业的腰包。   为引导保险中介合规发展,《通知》还对专业中介机构增加资金托管的要求。规定保险中介资本金应在大型商业银行或股份制商业银行等具有托管经验的银行托管行开立资金托管账户,将全部注册资本存入该账户。在取得保险中介经营许可证之前,该托管资金不得动用。   而在取得许可证后,中介机构投资渠道也与资本金挂钩,如投资大额协议存款、定期存款的资金不少于注册资本的10%,且不得质押;购置不动产,支出总额不高于注册资本的40%。《通知》明确,注册资本不得以虚构债权债务关系等任何手段抽逃。相关的主题文章: