每經記者｜袁園    每經編輯｜張益銘    

6月18日(ri)(ri)，《每日(ri)(ri)經(jing)濟新聞(wen)》記者從相(xiang)關(guan)渠道(dao)獨家獲悉，國(guo)家金融(rong)監(jian)管(guan)總局于(yu)今日(ri)(ri)下發(fa)《關(guan)于(yu)分(fen)(fen)紅險(xian)分(fen)(fen)紅水平監(jian)管(guan)意(yi)見的函》，就2024年分(fen)(fen)紅保險(xian)分(fen)(fen)紅水平提(ti)出監(jian)管(guan)意(yi)見。

國家金融監管總局表示，根據《國務院(yuan)關(guan)于加強監管防范風險(xian)推動(dong)保險(xian)業高質量發展的若干(gan)意見(jian)》（國發〔2024〕21號）相關(guan)要求(qiu)，為加強監管、防范風險(xian)，督促各(ge)公司強化資產負債(zhai)統籌(chou)聯動(dong)，提升分紅保險(xian)可持續經營水平，保護消費者合法權益，經認真(zhen)研(yan)究，現就2024年分紅保險(xian)分紅水平提出監管意見(jian)。

文件從六(liu)個方面對分(fen)紅(hong)險(xian)提出了要求：首先，各(ge)公司應當嚴(yan)格(ge)遵守(shou)《國家金融(rong)監(jian)督管理總(zong)局關于健全(quan)人身保(bao)險(xian)產(chan)品定(ding)價機(ji)制的(de)通知》（金發〔2024〕18號）要求，平衡好分(fen)紅(hong)保(bao)險(xian)預定(ding)利(li)率(lv)與浮動收益(yi)、演(yan)示利(li)益(yi)與紅(hong)利(li)實現率(lv)的(de)關系，根(gen)據每個賬戶的(de)資產(chan)配置特點和實際投(tou)資收益(yi)率(lv)，審慎確定(ding)各(ge)產(chan)品年度(du)分(fen)紅(hong)水(shui)平。

其次，各公(gong)司應當嚴格遵守《分(fen)紅(hong)(hong)保(bao)險精算規定》（保(bao)監發〔2015〕93號(hao)），持(chi)續提高(gao)分(fen)紅(hong)(hong)保(bao)險業務質量，按照資產負債相(xiang)匹配(pei)、財務與精算硬約束(shu)、投資收益可支撐、分(fen)紅(hong)(hong)水平可持(chi)續的原則，以集體會議(yi)方式審定各分(fen)紅(hong)(hong)保(bao)險產品的年度可分(fen)配(pei)盈余。

第三，各(ge)公(gong)司應當建立健全分(fen)紅保險分(fen)紅水平動態管理機(ji)制(zhi)，完善決策程(cheng)序，規(gui)范信息披(pi)露，明確產品、精(jing)算、投資、財(cai)務、合規(gui)、風險管理和消費者(zhe)權益保護等(deng)部(bu)門職責和具體責任人(ren)員(yuan)。

第(di)四，各公(gong)(gong)司(si)應當科學規范確定分(fen)(fen)(fen)紅(hong)(hong)(hong)(hong)(hong)(hong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)賬(zhang)(zhang)(zhang)戶(hu)(hu)分(fen)(fen)(fen)紅(hong)(hong)(hong)(hong)(hong)(hong)水(shui)平(ping)(ping)(ping)，存在下列情形之(zhi)一的(de)，應當充分(fen)(fen)(fen)論證擬(ni)分(fen)(fen)(fen)紅(hong)(hong)(hong)(hong)(hong)(hong)水(shui)平(ping)(ping)(ping)的(de)必要性、合(he)理(li)(li)性和可持續性，提交(jiao)(jiao)資產(chan)負(fu)債管理(li)(li)委員會審定后實施(shi)：擬(ni)分(fen)(fen)(fen)紅(hong)(hong)(hong)(hong)(hong)(hong)水(shui)平(ping)(ping)(ping)對(dui)應的(de)投資收(shou)益(yi)(yi)率(lv)(lv)，超(chao)過(guo)(guo)(guo)公(gong)(gong)司(si)分(fen)(fen)(fen)紅(hong)(hong)(hong)(hong)(hong)(hong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)賬(zhang)(zhang)(zhang)戶(hu)(hu)過(guo)(guo)(guo)去3年平(ping)(ping)(ping)均(jun)(jun)財(cai)(cai)務投資收(shou)益(yi)(yi)率(lv)(lv)和綜合(he)投資收(shou)益(yi)(yi)率(lv)(lv)的(de)較低者(zhe)的(de)；分(fen)(fen)(fen)紅(hong)(hong)(hong)(hong)(hong)(hong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)賬(zhang)(zhang)(zhang)戶(hu)(hu)特別(bie)儲備(bei)為(wei)負(fu)值(zhi)，或者(zhe)當期(qi)分(fen)(fen)(fen)紅(hong)(hong)(hong)(hong)(hong)(hong)實施(shi)后分(fen)(fen)(fen)紅(hong)(hong)(hong)(hong)(hong)(hong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)賬(zhang)(zhang)(zhang)戶(hu)(hu)特別(bie)儲備(bei)將(jiang)為(wei)負(fu)值(zhi)的(de)；設立時間不(bu)足三(san)年的(de)分(fen)(fen)(fen)紅(hong)(hong)(hong)(hong)(hong)(hong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)賬(zhang)(zhang)(zhang)戶(hu)(hu)，擬(ni)分(fen)(fen)(fen)紅(hong)(hong)(hong)(hong)(hong)(hong)水(shui)平(ping)(ping)(ping)（即客(ke)戶(hu)(hu)收(shou)益(yi)(yi)率(lv)(lv)，含預(yu)定利(li)率(lv)(lv)和浮動(dong)收(shou)益(yi)(yi)率(lv)(lv)，下同）超(chao)過(guo)(guo)(guo)人(ren)(ren)身保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)業(ye)(ye)過(guo)(guo)(guo)去3年平(ping)(ping)(ping)均(jun)(jun)財(cai)(cai)務收(shou)益(yi)(yi)率(lv)(lv)（3.20%）的(de)；公(gong)(gong)司(si)監(jian)管評(ping)級(ji)(ji)為(wei)1~3級(ji)(ji)，且(qie)分(fen)(fen)(fen)紅(hong)(hong)(hong)(hong)(hong)(hong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)賬(zhang)(zhang)(zhang)戶(hu)(hu)擬(ni)分(fen)(fen)(fen)紅(hong)(hong)(hong)(hong)(hong)(hong)水(shui)平(ping)(ping)(ping)超(chao)過(guo)(guo)(guo)人(ren)(ren)身保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)業(ye)(ye)過(guo)(guo)(guo)去3年平(ping)(ping)(ping)均(jun)(jun)財(cai)(cai)務收(shou)益(yi)(yi)率(lv)(lv)（3.20%）的(de)；公(gong)(gong)司(si)監(jian)管評(ping)級(ji)(ji)為(wei)4~5級(ji)(ji)，且(qie)分(fen)(fen)(fen)紅(hong)(hong)(hong)(hong)(hong)(hong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)賬(zhang)(zhang)(zhang)戶(hu)(hu)擬(ni)分(fen)(fen)(fen)紅(hong)(hong)(hong)(hong)(hong)(hong)水(shui)平(ping)(ping)(ping)超(chao)過(guo)(guo)(guo)產(chan)品(pin)預(yu)定利(li)率(lv)(lv)的(de)；公(gong)(gong)司(si)產(chan)品(pin)、精算(suan)、投資、財(cai)(cai)務等(deng)資產(chan)負(fu)債管理(li)(li)職(zhi)能(neng)部門認為(wei)需(xu)要提交(jiao)(jiao)審議的(de)其他情形。

第五(wu)，各(ge)公(gong)司要(yao)切實承擔(dan)主體(ti)責(ze)任，采取有(you)效措施(shi)維護分(fen)紅(hong)保險(xian)消費者合法(fa)權益。在設定實施(shi)分(fen)紅(hong)水平過程中，要(yao)做好解釋溝通和服務工作，引(yin)導保單持有(you)人合理預期。要(yao)加強輿(yu)情引(yin)導，積極回應社(she)會(hui)關(guan)切。要(yao)加強日(ri)常(chang)監測和預警，堅決防(fang)范(fan)流動性(xing)風險(xian)和群體(ti)性(xing)事件。

第六，各公司要穩健經營，堅持長期主義，把資產負債管理理念貫穿保險產品和服務全流程全周期。不得偏離賬戶的資產負債和投資收益實際情況，隨意抬高分紅水平搞“內卷(juan)式”競爭，擾亂(luan)人身保(bao)險市(shi)場秩序(xu)。監(jian)(jian)管(guan)(guan)部(bu)門將加強數據(ju)監(jian)(jian)測，對于違(wei)反監(jian)(jian)管(guan)(guan)要求的，將采(cai)取監(jian)(jian)管(guan)(guan)約談、責令整改、評級扣分等監(jian)(jian)管(guan)(guan)措施。

封(feng)面圖片來源：圖片來源：視覺中國-VCG211223117604