9月10日，國家金(jin)(jin)融監督管(guan)(guan)理總(zong)(zong)局(ju)（下稱“金(jin)(jin)融監管(guan)(guan)總(zong)(zong)局(ju)”）發(fa)布《關(guan)于(yu)優化保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)(si)(si)償付能力監管(guan)(guan)標(biao)準(zhun)的(de)通(tong)知》（下稱《通(tong)知》）。《通(tong)知》將保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)(si)(si)剩余期(qi)限10年(nian)期(qi)以上(shang)保(bao)(bao)單未(wei)來盈余計(ji)入(ru)核心資(zi)本的(de)比例，從目(mu)(mu)前(qian)不超(chao)(chao)過35%提(ti)高至不超(chao)(chao)過40%，鼓勵(li)保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)(si)(si)發(fa)展長期(qi)保(bao)(bao)障(zhang)型產(chan)品。財產(chan)險(xian)(xian)(xian)公(gong)司(si)(si)(si)(si)最近一個季度(du)末(mo)計(ji)算的(de)上(shang)兩個會計(ji)年(nian)度(du)末(mo)所有(you)(you)非壽險(xian)(xian)(xian)業(ye)務(wu)再保(bao)(bao)后未(wei)到期(qi)責任準(zhun)備金(jin)(jin)回(hui)溯(su)偏差率的(de)算術平均(jun)數(shu)、未(wei)決賠(pei)款準(zhun)備金(jin)(jin)回(hui)溯(su)偏差率的(de)算術平均(jun)數(shu)小于(yu)等于(yu)-5%的(de)，保(bao)(bao)費風(feng)險(xian)(xian)(xian)、準(zhun)備金(jin)(jin)風(feng)險(xian)(xian)(xian)的(de)最低資(zi)本要(yao)求減少(shao)5%。保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)(si)(si)投資(zi)的(de)非基(ji)礎資(zi)產(chan)中，底層資(zi)產(chan)以收回(hui)本金(jin)(jin)和固定利(li)(li)息為目(mu)(mu)的(de)，且交易(yi)結構在三層級及(ji)以內(nei)（含表層）的(de)，應納入(ru)利(li)(li)率風(feng)險(xian)(xian)(xian)最低資(zi)本計(ji)量范圍，促(cu)進保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)(si)(si)加(jia)強資(zi)產(chan)負(fu)債匹配管(guan)(guan)理。金(jin)(jin)融監管(guan)(guan)總(zong)(zong)局(ju)有(you)(you)關(guan)負(fu)責人表示，此舉有(you)(you)利(li)(li)于(yu)引(yin)導保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)(si)(si)回(hui)歸保(bao)(bao)障(zhang)本源。（e公(gong)司(si)(si)(si)(si)）