UK:
CIRC Issues Consultation Paper On Rules For Discounting Of Policies Of Life Insurance (Chinese)
15 January 2018
Clyde & Co
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中国保监会于2018年1月8日发布了《人身险保单贴现业务试点管理办法(征求意见稿)》(以下简称"《征求意见稿》")。
《征求意见稿》具体规定如下:
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保单贴现是指保单持有人通过保单贴现机构将保单受益权转让给保单投资人从而获得贴现资金,当该保单满期或被保险人保险责任发生时,保单投资人可以领取保险金获得投资收益的交易行为。
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经营保单贴现业务须具备包括实缴注册资本金不低于人民币5亿元在内的保监会规定的条件,并经保监会批准。
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保单贴现的产品类型包括普通型终身寿险、普通型两全保险和普通型年金保险。
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保单贴现业务应当满足以下要求:
(一)贴现保单合同生效超过2年;(二)贴现保单所涉保险公司必须是经保监会批准依法在中国境内(不含港澳台)登记注册的人身保险公司;(三)保单贴现资金应于保单受益人变更后3日内一次性全额支付给保单贴现人。
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保单贴现机构应制定保单贴现格式合同,并在开展保单贴现业务前报保监会备案。
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试点期间,保单投资人仅限于使用自有资金开展业务(其中机构投资人自有资金以净资产为限),且已经贴现的保单不可办理转贴现或再贴现。
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