Category Archives: Software

Ping An Internet banking overweight trial and error closed + New + integration 见证双虹怎么做

Ping An Internet Financial Pyramid: close the new trial and error + + integration / reporter Huang Lei, Sun Zhong edit display messages from multiple channels, because did not realize the data base was off the massive, high frequency of use "expected, Chinese peace recently made its business platform" second-hand car safe good car off the helpless decision. The relevant personnel will be "10000 reorientation to clinic", "real exchange and peace. China Ping An refused to disclose any information about 10000 clinics and housing exchanges on the grounds of "not announcing the opportunity to announce it". Zhengbao learned from relevant channels, both for the Internet financial platform is a new safe, safe and healthy for the former "removed a major three" strategy, the main line and the latter idea is the chain; all aimed at real estate related internet financial products and services, a temporary peace Inclusive Finance ". However, these are just the beginning. Standing in the "Internet plus" outlet, through a "closed + New + integration", a comprehensive financial group in the practice of "3 strategies", and gradually evolved into the "Finance + platform", is bound to repeat the "innovation + + experimental trial and error correction". Three years of trial and error space has been high hopes, has developed into the largest second-hand car trading platform safe car, accidentally did not appear in Ma Mingzhe’s new year’s Day speech in 2016. In the landmark speech that is regarded as a peaceful declaration of the future strategy, it is not a coincidence, but more like a signal. After the Spring Festival, on a good car safely shut soon the news spread like wildfire. Ping An official tends to explain this move, according to the group 3 strategy, the good car and Ping An insurance business integration, there is no "burning money" is too strong and sold to third parties. Although the "upfront investment cost is too large" is the direct reason for the non safe car to go out of business, but it is indeed a key factor affecting its final decision. In fact, from the beginning of the advent of the safety car, there are market participants pointed out its strategic position and profit model is not clear, the second-hand car market, but limited incremental snatch competition and grow with each passing day, input output to proportional, in order to achieve large data acquisition, through the whole automobile industry chain "goal is more difficult worthy of reflection. However, the industry is not surprised that the safe and comfortable cars come and go in a hurry and are familiar with the style of safe management. The industry knows that for innovative business some subversive, internal peace slogan is "encouraged to try, fail, therefore, to give the company Ping An Internet Financial sub’s full trial space, from the existing case, trial and error period in about three years, once found no quick integration. Left hand innovation, right hand error correction, has been pursuing the "left hand innovation, right hand error correction" business rules. According to the reporter, in the safe car closed at the same time, some of the new Internet financial projects have begun brewing and incubation in peace. "The original team of safe good car was mostly from the safe and casualty insurance operation Department, so after closing, some people will return to Ping’an Property Insurance."." On Theory

平安互联网金融加码试错:关闭+新设+整合   ⊙记者 黄蕾 ○编辑 孙忠   来自多个渠道的消息显示,因未实现“海量获客、高频使用”的数据基础预期,中国平安最近做出了将旗下二手车电商平台“平安好车”关闭的无奈决定。相关人员将分别转岗至“万家诊所”、“房交所”和平安产险。   中国平安方面以“未到宣布时机”为由,拒绝透露万家诊所和房交所的任何信息。上证报从相关渠道了解到,两者均为平安即将新设的互联网金融平台,前者为平安健康“一拆三”战略中的一支主力,主攻线下连锁诊疗;后者的构想是瞄准一切与房产相关的互联网金融产品与服务,暂设于“平安普惠金融”之下。   然而,这些都还只是开始。站在“互联网+”的风口,通过一次次“关闭+新设+整合”,这家综合金融集团在践行“3.0战略”,逐步进化成“金融+平台”的过程中,势必会不断重复着“创新+试错+纠错”的实验。   三年试错空间   曾被寄予厚望、已发展成国内最大二手车交易平台的平安好车,意外地没有出现在马明哲2016年的元旦致辞中。在被视为平安宣告未来战略的标志性讲话中不见其影,不可能只是巧合,倒更像是一个信号。   春节过后,关于平安好车即将关门的消息便不胫而走。平安官方倾向于将这一举动解释为,系根据集团3.0战略,将平安好车与平安产险进行业务整合,不存在因“烧钱”太厉害而卖给第三方的情况。   虽然“前期投入成本太大”非平安好车歇业的直接动因,但确是影响其做出最终决策的一个关键因素。其实从平安好车问世的一开始,就有市场人士指出它的战略定位与盈利模式不够清晰,二手车市场增量有限、抢食者却与日俱增,激烈竞争下投入与产出难以成正比,以此实现“获取大数据、打通整个汽车产业链”的目标更是难上加难,值得反思。   不过,对于平安好车的来去匆匆,熟知平安经营风格的业内人士并不感到吃惊。业内都知道,对于一些颠覆型的创新型业务,平安内部的口号是“鼓励尝试、允许失败”,因此,平安给予旗下互联网金融子公司充分的试错空间,从已有案例来看,试错期基本在三年左右,一旦发现不行迅速果断整合。   左手创新右手纠错   平安一直奉行着“左手创新、右手纠错”的经营法则。据记者了解,在将平安好车关闭的同时,一些全新的互联网金融项目已开始在平安内部酝酿和孵化。   “当初平安好车的初始团队多由平安产险运营部门抽调而来,因此在关门后,部分人员将重回平安产险。”不过,据知情人士透露,大部分人员将跟随平安好车副总裁孙国斌前往平安普惠金融旗下新设的房交所,以及由平安养老险副总经理许志红率队筹备的万家诊所。   两个项目由于都在筹备初期,因此没有任何公开信息可查。按照知情人士所述,“房交所目前仍是一个架构,但未来可能以公司形式呈现,将围绕一切与房产相关的互联网金融产品与服务而展开,孙国斌的职务将是平安普惠房交所总经理助理。”   而万家诊所本是平安旗下健康险公司的一个项目计划,但现在将独立为一家子公司,这正是马明哲今年重点布局的平安健康“一拆三”新战略、新打法。   知情人士告诉记者,未来“平安健康”版图将分为三块:一是传统的平安健康险公司;二是以“平安好医生APP”为入口、主攻在线健康咨询及健康管理的平安健康互联网公司;三是万家诊所,线下自设或收购门诊。“平安的策略是想让长期未盈利的健康险与互联网医疗协同,线上提供免费医疗咨询,线下铺设连锁诊所,以期积累客户数据,从而控制风险,减少理赔。”   融资上市疾进   而中国平安接连纠错、接连整合业务板块的背后,也让市场人士预判,旗下互联网金融子公司单独剥离上市的脚步越来越近。   据知情人士透露,之前一直兼任平安健康险和平安健康互联网两家公司掌门人的王涛,未来可能会专心致力于推进平安健康互联网公司的发展。而平安健康险公司或将交由他人负责,从平安内部传出的消息称,现任平安产险班子成员的一位高管是热门人选。   根据平安内部的规划,平安健康互联网公司将是陆金所之后,第二家有单独IPO计划的子公司,从已有迹象来看,平安集团在资源配置与协助上已经开始向其倾斜。而据知情人士透露,平安健康互联网公司目前正在进行A轮融资,融资规模约5亿美元,2月底有望正式完成交易,3月正式对外宣布。   有投行人士分析认为,虽然从传统惯例来看,国内互联网类的公司倾向于在境外上市,但出于品牌影响力提升等因素,不排除平安旗下的这些互联网金融子公司将来会选择在A股上市。陆金所近期就透露,战略新兴板也是其上市地的选择之一。THE_END 进入【新浪财经股吧】讨论相关的主题文章:

Gates doesn’t approve of apple, Snowden says FBI without apple can crack – Sohu Technology 潍坊职业学院贴吧

Gates doesn’t approve of apple? Snowden said FBI without apple can crack the technology Sohu – Sohu technology Wenwang Xue Ying FBI really can’t crack iPhone? With apple and FBI iPhone data on the back door dispute intensified, science and technology circle is almost one-sided attitude — from Google to HUAWEI, all of Apple’s insistence to support. Although polls show that American attitudes are just the opposite. In this context, Snowden recently said on the social platform, FBI said that he can not crack iPhone alone, this statement is not correct. It is understood, Snowden said, FBI claims no apple help cannot unlock iPhone, however, FBI can be extracted using the chip iPhone password cracking techniques themselves. Earlier, the U.S. Justice Department asked apple to help FBI to develop a special iOS firmware, which helped the FBI to obtain by terrorist attacks suspect Na Na Dino on mobile phone information. However, Snowden pointed out that FBI is just a public opinion behavior, because in fact they themselves have iPhone crack technology. There are news that FBI has four network security experts to prove this technology, but why FBI is not willing to use directly, it is unclear. In addition, in the context of big public opinion leans to support apple, the attitude of Bill · and Gates seems to be slightly different. In February 24th, Gates said in an interview that he thought FBI was asking for a one-time release, not a backdoor in the mobile phone system. Moreover, the FBI should have more power and should be by the people’s court to decide, in the poll, nearly 51% of Americans surveyed expressed support for FBI, that Apple should help FBI. It is understood that apple CEO Tim · Cook had pointed out in the open memo: "the government suggested that this tool made a one-off, but the situation is not so. Once this technology is developed, it will be used again and again and three, and will be abused to many mobile phones". Can we see it as a game between collective justice and personal privacy? "In the real world, providing unlock doors for iPhone is like a master key. It will open countless locks…… We have no reason to support such a request"

盖茨不赞成苹果?斯诺登称FBI无需苹果也能破解-搜狐科技      搜狐科技 文 王雪莹   FBI真的无法破解iPhone吗?   随着苹果与FBI对iPhone数据后门之争的白热化,科技圈内几乎呈现一边倒的态度――从谷歌到华为,都对苹果的坚持态度给与了支持。尽管有民调显示,美国民众的态度恰恰相反。就在这一大背景下,斯诺登近日在社交平台上表示,FBI说自己无法单独破解iPhone,这种说法并不正确。   据了解,斯诺登表示,FBI声称没有苹果的帮助就不能解锁iPhone,然而事实上,FBI完全可以利用自己的芯片破解技术提取iPhone密码。   此前,美国司法部门要求苹果帮助FBI开发一个特别的iOS固件,从而帮助FBI获取圣博那娜迪诺恐怖袭击案嫌犯手机上的信息。然而,斯诺登却指出,FBI此举只是一种舆论行为,因为实际上他们本身就拥有iPhone的破解技术。有消息称,FBI已借助四名网络安全专家对此技术给予了证实,只是为什么FBI不愿意直接使用,目前上不清楚。   此外,就在行业大舆论一边倒支持苹果的背景下,比尔·盖茨的态度似乎略有不同。   2月24日,盖茨在采访中表示,他认为FBI要求的只是一次性解锁,而非在手机系统中预留后门。况且,FBI应该掌握多大的权力应该由人民和法庭来决定,而在本次民调中,近51%的受访美国民众明确表示支持FBI,认为苹果应该协助FBI。   据了解,此前苹果CEO 蒂姆·库克曾在公开备忘录中指出:“政府建议,将这款工具做成一次性的,但是情况并非如此。一旦研究出这样的技术,它就会被一而再再而三地使用,并且会被滥用到很多手机上”。   我们能否将其视为集体正义与个人隐私之间的一场博弈呢?   “在现实世界中,(为iPhone提供解锁后门)就像是一把万能钥匙。它将能打开无数的锁具……我们没理由支持这样的要求”相关的主题文章:

如果路上找不到垃圾桶 塔里的女人

The new year started! Do you really know these rituals in running? – Sohu leads: 2016 at the beginning of the new year, did you never move, were you determined to lose weight and start running? Running through the gym and the stadium, are you determined to take part in a marathon half? Have you participated in a series of marathons, and have you outlined a new year’s schedule in 2016? Whether you’re running white from 5 kilometers, or running in many marathons, running etiquette, do you really understand? Data map to see other people happy when they pick up the roadside water poured on the body is not very handsome? Drinking water out of the water station should not be thrown away? Toilet position is not enough, roadside urine can be cut everywhere?…… I deeply feel that the content is not running etiquette identity, we advocate the so-called etiquette running like travel, shopping, driving, elevator and so on, life no need not civilized norms, the basic running, just a place to change, but still need some basic etiquette, need to take care of others feel, just because man is a social animal, people cannot do without the presence of other people. So, is there a general sense of runner etiquette? It’s true. The mass marathon boom in our country, that is, in recent years, however, to see a lot of foreign marathon race history has been quite long. Although I ran some marathons, I still felt that it was far from complete enough for me to make a summary of runner etiquette. In fact, I think that any individual who summarizes runner etiquette is far from authoritative and universal. Therefore, I began to search for information in the whole world, looking forward to have a basic running state, regardless of the etiquette is regardless of gender, all runners are able to comply with, fortunately, I found the Road Runners Club (Road Runners Club of America) on the runner etiquette content the following part is from RRCA. It should be emphasized that as a runner, no matter what speed, regardless of where the game, your behavior is crucial, faster than speed, important than the performance. The etiquette of road running and mountain running should reverse the direction of traffic flow when running on the road. If you run through the sidewalk, keep on the right side of the road, the left superman. If you are a running team, never more than 2 people run side by side. Please don’t monopolize the road. Don’t run in the middle of the road or the mountain road. If the route needs turning back, don’t suddenly turn around at the turning point. Stop first, walk on the right side, let the oncoming vehicle pass first, make sure you see the oncoming runner, the bicycle driver, the roller skating player, etc., and then do the turn back. If you don’t look at your surroundings, you’ll be hit by a sudden turn back. When you need more than the road pedestrian, must be timely to remind each other, a simple " I am on your left " enough, please don’t assume that others will look like you six very alert. Once the need to run on the blind please be vigilant. Please be sure to turn on the traffic lights.

新年开跑!跑步中的这些礼仪你真的知道么-搜狐  导语:2016新年伊始,从没运动的你,是不是决心要减肥开始跑步了?跑够了健身房和体育场,是不是决心要参加一场马拉松半程?参加了多场马拉松,是不是又在2016的日历上勾画了新一年的参赛计划?不管你是从5公里开始的跑步小白,还是参加过多场马拉松的跑步达人,跑步礼仪你真的懂吗? 资料图   看见别人跑马时随手拿起路边的水往身上一浇是不是觉得很帅?饮水站拿出的水喝不完该不该随手扔掉?厕位不够路边随处小便可以伐?……   我深深觉得,跑者礼仪这个内容无关乎身份,我们倡导的所谓跑步礼仪就如同出门旅游、购物、开车、乘电梯等等,生活无时无处不需要基本的文明规范,而跑步,只是场所改变了,但仍然需要有些基本的礼仪,需要照顾他人的感受,只是因为人是社会的动物,人的存在离不开其他人。   那么,有没有普遍意义上的跑者礼仪呢?   还真的有。   群众性的马拉松热潮在我们国家兴起也就是这几年,然而,看看众多国外的马拉松比赛历史已经相当悠久。尽管我跑过一些马拉松,但我依然觉得由我个人来做出关于跑者礼仪的总结是远远不够全面的,事实上我认为由任何个人去总结跑者礼仪都远远不具备权威性和普遍性。因此,我开始全世界范围内搜寻资料,期待有没有一种基本的跑者礼仪是不论国家、不论性别,所有跑者都能够遵守的,庆幸的是,我找到了美国路跑者俱乐部(Road Runners Club of America)的关于跑者礼仪的一些内容,以下内容部分参考自RRCA。   这里需要强调,身为跑者,无论什么配速,无论在哪比赛,你的行为至关重要,比速度重要,比成绩重要。   路跑和山地跑的礼仪   在马路上跑的时候要逆向车流方向,如果跑过人行道,保持靠右侧通行,左侧超人。   如果你们是一个跑团,永远都不要超过2个人并排跑,请不要独占马路。   不要在马路或者山路的中间跑。   如果路线需要折返,不要突然在折返点急拐弯。先停下,靠右侧走让迎面而来的车辆先通过,确保看清迎面来的跑者、骑自行车的人、滑旱冰的人等等,然后再做折返。不去观察周围环境突然折返分分钟会让你被撞到。   当你需要超过马路行人的时候,一定要适时提醒对方,一句简单的"我在你左边"已经足够,请不要先假设别人也会如你一般眼光六路耳听八方。   一旦需要跑在盲道上请时刻保持警惕。   请一定按红绿灯通行,跑过路口之前确保迎面的车已经停下并让你先通行,不要天真以为你在人行道上所有的车就会自动停下。   请学会尊重环境,小区、公园、马路边的绿地不要随意践踏。   不要乱扔垃圾。如果路上找不到垃圾桶,请把你的垃圾带回家。   马拉松比赛基本准则   认真阅读比赛报名表,并遵守其规则。所有的跑者都有责任去保证比赛安全,一般而言,马拉松比赛不鼓励带狗、耳机、手机和婴儿推车。   如果可以,请提前进行比赛登记报名,以缓解后期比赛报名注册的拥堵。   如果需要在比赛当天领取参赛包,请早些到达比赛地点。如果你还能跑出个奖金,请一定仔细核对好你的报名信息。   尽量在比赛开始前上好厕所,以减少在赛道上对厕所的频繁使用,为了排队在你后面的人,请维护好便器的清洁。   保证你的号码簿在你T恤的正前方,这样摄影师和赛事工作人员才能更清楚的一眼看到你。   不管你打算跑什么配速甚至走完比赛,请在起点排队!速度慢的跑者和打算走的请自觉排在后面的队伍。不是因为你来的早,你就可以站在起跑线后面的。   注意听好赛前指令。拜托这个时候不要让你的外放音箱放出刺耳的音乐,影响别人。   赛道上的礼仪   如果你在比赛起跑点遗失了东西,不要停下来俯身去捡,等大部分人跑过起点线之后,再去捡回来。   热身之后不要把衣服随手丢在赛道上,如果你真的需要衣服用来保暖,热身之后可以把它系在腰间或者放在路边,以确保不要把其他人绊倒。另外,放在路边就不要期待你还能再把它找回来。   不要超过2个人并排跑   当有其他跑者超越你的时候,不要去阻挡,或者甚至各种设绊迂回跑阻止别人超越。   如果你是跑团中的一员,保持前后跟随,记住永远不要超过2个人并排跑。   在比赛中有些身体机能是无法改变的事实,比如吐痰、擤鼻涕、呕吐。请记住靠近路边做,ok?你也不想被弄一身吧?!如果需要上厕所,可以先向路边的商店求助,最后实在迫不得已,可以找个路边的灌木丛遮挡一下。   如果有人跟你说"借过"之类的,请靠边让路。当跑在你后面的人已经在你身旁超过你一个头,基本的礼仪是让人家先通过而不是阻止人家。   如果是拥堵的赛道,跑在你前面的人戴着耳机,当你超越人家的时候轻轻用肘或肩碰一下对方以示意你的存在。   如果你需要蹲下来系鞋带或者任何其他原因停下来,比如耳机、手机、钥匙等等。请离开赛道移步路边进行。   请小心观察你周围的环境,也许有的比赛并没有进行交通管制,你有责任注意观察周围的交通情况以确保安全。   请为所有的警车和急救车让路,为轮椅运动员让路。你可以轻松的改变方向和制动,他们可不一定。   不要任何欺骗!不要抄近路!不要用别人的号码簿参赛!   学会享受你的比赛吧!   补给站礼仪   当接近一个饮料补给站的时候,请靠右侧从志愿者手中或桌子上拿起你的补给,不要在补给站停下来,继续保持前进直到离开补给站。   如果你需要在补给站停下,靠右侧走向补给站,但是不要妨碍其他人从志愿者或者桌子上拿水。   把你喝过的杯子丢在赛道路边的右侧并且尽量在补给站附近,以方便打扫。突然的从你的腰部或者肩膀随便乱扔喝过的杯子,请问,其他被淋到的人作何感想?   当志愿者给你递水的时候,请说声谢谢。   如果你看到某人在赛道上受伤、或者表情极其难受,请记住他的号码并报告给救助站他的大概公里数。   终点线礼仪   听从终点工作人员的安排指引。   如果你的朋友或者家人在终点前跟着你跑了一段,那么在到达计时踏板之前请让他 她离开赛道。   跑到终点线时,请继续往前走,不要停留在终点。   如果比赛是电子计时,在离开终点之前请确认你的大屏幕计时。   在终点区域外等待朋友或者家人。   尽情享受赛后的点心,但是它可不是给你甚至包括你家人朋友在内全部大吃一顿的自助餐哦。赛后点心,只提供给参赛跑者。   在颁奖仪式上,请为各个年龄段的获奖者祝贺。马拉松也许是唯一一项业余选手和专业运动员可以同场竞技的运动。   如果你在一场比赛中获奖,请先不要离开,等待颁奖仪式开始,因为毕竟颁奖这件事与你有关。   如果你认为你应该得奖,但是现场主持人没有念到你的名字,不要跑去颁奖台和主持人争辩,因为现场的主持人只是按照赛事工作人员给的信息念稿而已。请去找赛事官方工作人员表达你的质疑和不满。   最后,请记住,没有任何一场比赛是完美的。所有的赛事工作人员都在努力保证安全,让参赛人员尽可能享受比赛的乐趣。   另外,大部分赛事的工作人员都是由志愿者组成的,但是也通常会有赛事组委会来负责整个比赛的运作。如果你有任何关于比赛的意见或者改进的建议,可以通过一些积极有效的方式联系组委会与之分享,也许下一场比赛就会采纳你的建议。相关的主题文章:

保监会将综合运用多种手段 震耳欲聋的意思

CIRC bursts of two new universal insurance withdrawal A shares rumors burst Sina foundation exposure table: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? Click on [I want to complain], Sina help you expose them! CIRC bursts of two new universal insurance withdrawal A shares rumors burst [related reports] CIRC new regulations on the universal insurance plus financing platform of universal insurance regulations strict anti lock boots enterprises finally landing the long-term positive capital market CIRC notice to build double inhibition: universal insurance ambition to end the new rules of life insurance to determine the five year transition period China Life Insurance and other insurance companies have limited impact on China Insurance Regulatory Commission issued a document and control the risk of short-term financial insurance towards tightening each reporter Yuan Yuan concern the new rules of life insurance finally landing. In September 6th, the CIRC website also issued two Notifications: "notice on strengthening the supervision of personal insurance products" (hereinafter referred to as the "regulatory notice") and "on the further perfection of notice related matters of personal insurance actuarial system" (hereinafter referred to as the "notice", adhere to the insurance actuarial) return guarantee, insurance surname "Paul" the principle, development and design specification of personal insurance products, to further deepen the personal insurance market supply side structural reform. The "daily economic news" reporter noted that more than two new regulations on personal insurance products, risk protection and universal insurance reserve assessment rate, strengthen the chief actuary responsibility made detailed provisions. Among them, the universal insurance reserve assessment rates by 0.5 percentage points to 3%, higher than the interest rate cap of the assessment of personal insurance products must be reported to the CIRC for approval China. In this regard, a insurance company chief actuary told reporters that this is to further improve the insurance companies’ debt capacity and performance ability. In addition, some analysts pointed out that next year, the size of the industry premiums and investment scale will decline, especially the short and medium deposit products will decline significantly. It is worth noting that, before the new regulations landing, there have been "600 billion universal insurance withdrawal A shares" rumors appear, resulting in a brief panic A shares fell. From the policy oriented point of view, the current universal insurance funds no withdrawal from the A shares. To prevent the potential spread risk from the initial rumors to later development and introduction of new regulations, most attention is the new regulations on universal insurance products such as constraints. Reporters noted that the new regulations first improve the risk protection function of life insurance products. "Notice" insurance actuarial pointed out that the development of the company’s sales for individual term life insurance and individual endowment insurance, individual life insurance and personal care insurance products, death insurance amount or nursing liability insurance premiums and the cumulative amount or account value proportion should comply with the relevant requirements. Among them, the lower limit of the proportion of 18~40 years old is 160%, the minimum proportion of 41~60 years old is 140%, the lower limit of 61 years of age is 120%. The age of arrival refers to the age at which the insured was originally insured, plus the age at which the policy was insured, and then subtracted from the age of 1. The death insurance liability shall at least include disease death guarantee liability and liability for accidental death insurance. "This year, we will further discuss the main years of personal insurance products

保监会连发两新规 万能险撤离A股传言破灭 新浪基金曝光台:信披滞后虚假宣传,业绩长期低于同类产品,买基金被坑怎么办?点击【我要投诉】,新浪帮你曝光他们! 保监会连发两新规 万能险撤离A股传言破灭   【相关报道】   保监会新规对万能险加锁 严防险企成融资平台   万能险新规靴子终于落地 将长期利好资本市场   保监会双通知构筑紧箍咒:万能险野心终结   人身险新规确定五年过渡期 对国寿等险企影响有限   保监会发文防控高风险 短期理财保险迎收紧   ◎每经记者 袁园   备受关注的人身险新规终于落地。   9月6日,保监会网站同时发布两则通知:《关于强化人身保险产品监管工作的通知》(以下简称《监管通知》)和《关于进一步完善人身保险精算制度有关事项的通知》(以下简称《精算通知》),坚持保险回归保障,保险姓“保”原则,规范人身保险产品的开发和设计,进一步深化人身保险市场供给侧结构性改革。   《每日经济新闻》记者注意到,两项新规就人身保险产品的风险保障、万能保险责任准备金评估利率、强化总精算师责任等多个方面制定了详细的规定。其中,万能保险责任准备金评估利率上限下调0.5个百分点至3%,高于评估利率上限的人身保险产品需报中国保监会审批。   对此,某险企总精算师向记者表示,这是为了进一步提高险企的负债能力和履约能力。此外,有分析指出,明年行业保费规模与投资规模料将下降,尤其是中短存续期产品规模将显著下降。   值得注意的是,在新规落地之前,曾有“6000亿万能险撤离A股”传言出现,导致A股出现短暂恐慌下跌。从政策导向来看,目前万能险资金暂无退出A股之虞。   防范潜在利差损风险   从最初的传言到后来新规制定并出台,最受关注的莫过于新规中对万能险等产品的约束。   记者注意到,新规首先提高了人身保险产品的风险保障功能。《精算通知》指出,保险公司开发销售的个人定期寿险、个人两全保险、个人终身寿险和个人护理保险产品,死亡保险金额或护理责任保险金额与累计已交保费或账户价值的比例应符合相关要求。其中,18~40周岁比例下限为160%,41~60周岁比例下限为140%,61周岁以上比例下限为120%。到达年龄指的是被保险人原始投保年龄,加上当时保单年度数,再减去1后所得到的年龄。死亡保险责任至少应当包括疾病身故保障责任和意外身故保障责任。   “此次,进一步将人身保险产品主要年龄段的死亡保险金额比例要求由120%提升至160%,该风险保障要求已经超过了美国、欧洲、亚洲等世界主要国家和地区保险监管部门的要求。”保监会相关负责人表示。   此外,《精算通知》还下调了万能保险责任准备金评估利率,将其由3.5%下调至3%,高于评估利率上限的人身保险产品需报中国保监会审批。保监会相关负责人表示,此举是为了防范利差损风险,增强保险公司未来履行合同义务的能力。同时,为保持产品之间的平衡,鼓励发展风险保障类业务,普通型人身保险产品的评估利率维持3.5%不变。   “强制下调万能险保证利率,是为了降低潜在的利差损风险。”海通证券保险业分析师孙婷对《每日经济新闻》记者表示,万能险整体规模预计将稳中有降。   值得一提的是,《精算通知》还重申了对中短存续期产品的监管,要求各保险公司做好相关工作;明确总精算师及高管的责任问题,要求总精算师定期对产品定价假设合理性进行评估,对产品定价发生率或退保率与实际经营结果发生重大偏差的,要及时向中国保监会报告并进行说明,对于主观或故意原因导致的,保监会将依法追究总精算师责任。   某险企总精算师向《每日经济新闻》记者表示,原来的万能险准备金利率是3.5%,也就是保底利率3.5%,下调至3%后,就进一步提高了险企的负债能力,要求险企进一步提高履约能力。   保监会相关负责人表示,《精算通知》的发布,有利于进一步坚持“保险姓保”,提升人身保险产品的风险保障功能,满足消费者日益增长的保障需求;有利于人身保险公司不断调整和优化业务结构,加大供给侧结构性改革力度,进一步发展风险保障类和长期储蓄类业务,守住不发生系统性风险底线;有利于人身保险公司牢固树立风险意识,加强资本规划和管理,促进全行业进一步转型升级,增强可持续发展能力;有利于为资本市场、实体经济以及国家重点基础设施建设等提供长期、稳定的资金支持,更好地服务经济社会发展大局。   建立产品退出机制   《监管通知》则对人身险产品的监管、抽查、退出等作出了规定。   一,新规要求,对人身保险产品实行事后备案和事后抽查管理,保险公司开发设计的人身保险产品,除明确要求需事前审批外,均实行事后备案,即在产品销售之后的10日内向中国保监会备案。   二,建立人身保险产品退出机制,中国保监会经抽查发现并认定保险公司备案产品存在违法违规情形的,将责令保险公司停止使用违规产品、公开披露产品停售信息。   三,建立人身保险产品问责机制。保险公司对备案产品负有主体责任,保险公司总经理、总精算师和法律负责人对产品负有领导、精算核查和法律审核的责任;督促各相关责任人切实发挥管理作用。   四,建立产品回溯机制,要求公司成立产品开发管理工作组,对产品精算、财务、销售、投资等产品经营各环节进行全流程管理和风险评估。同时,对于回溯工作中问题不整改、产品不退出、经营指标不调整的采取监管措施。   此外,《监管通知》还从信息披露、新型产品等角度对人身险进行了规范。保监会相关负责人表示,《监管通知》进一步完善了人身保险产品的监管框架。在明确人身保险产品实行事后备案和事后抽查管理的基础上,通过建立和完善产品退出机制、问责机制、回溯机制和信息披露机制,形成各机制协调联动、各方各负其责的监管架构。   推动保险回归保障功能   近两年来,保险业的快速发展吸引大量资本涌入,一些资本和股东把保险机构当成了融资平台。这不仅对整个保险行业的产品创新没有帮助,还扰乱了行业环境。保监会主席项俊波多次在公开场合提及此事,并表示会依法严惩相关违规问题。   “当前部分公司产品同质化现象严重,过度出售短期、高频、高收益理财型产品,部分保险公司甚至出现了万能险不收任何费用,投资收益率与结算利率倒挂等现象,诱发了利差损、现金流等风险隐患。”保监会副主席黄洪此前表示,监管部门要加快完善现行的监管制度措施。   而此次的两个人身险新规正是监管部门对保险机构激进活动的监管,让保险回归保障功能,做到“保险姓保”。黄洪表示,这两个文件的核心就是如何有效地解决人身保险供给端的问题,出台之后必将有力地推动人身保险供给侧的结构性改革,大大提升人身保险的有效供给。同时,监管部门将建立产品的回溯机制,强化总精算师、相关高管等人的责任,防止公司操纵产品参数、回避监管。   孙婷分析指出,明年“开门红”后,行业保费规模与投资规模料将下降。新规规定不符合要求的保险产品在2017年4月1日前全部停售。受规模加强限制与结算利率下降的影响,中短存续期产品规模明年将显著下降。同时,人身险负债成本将逐步回落,有利于行业健康发展。   《每日经济新闻》记者注意到,保监会相关负责人表示,下一步,在进一步完善人身保险精算制度的同时,保监会将综合运用多种手段,强化对万能保险等人身保险产品的监管力度,严守风险底线;进一步推进保险公司调结构、转方式,加快风险保障型和长期储蓄型业务发展;进一步强化保险公司资产负债配置监管;密切关注新规执行情况和行业中短存续期业务等发展情况,督促公司严格落实监管规定等。 进入【新浪财经股吧】讨论相关的主题文章:

有关部门已经有意加大管控力度 大金班

To clearly treat trust subsidiary boom Securities Times reporter Yang Zhuoqing China "from the general office of the CBRC on trust regulatory risk guidance" for the first time explicitly trust support to meet the conditions set up direct investment professional subsidiaries "to" trust "were mentioned again, the trust company according to the needs of business development, may apply for the establishment of and a wholly owned subsidiary of professional management table. For more than a year, the trust subsidiary has been given more and more important functional status, ushered in a wave of establishment boom. There is no doubt that professional development is the direction of the trust and trust companies in the transformation and upgrading of trust. At the end of 2014, Yang Jiacai, assistant chairman of China Banking Regulatory Commission, explicitly encouraged the trust company to set up a professional subsidiary when attending the annual meeting of China Trust industry. He said, "in the field of business segments, through the deepening of reform, the establishment of wholly-owned professional subsidiaries do fine. For example, the family trust subsidiary, mergers and acquisitions, overseas trust subsidiary trust subsidiary, professional sales subsidiaries." In addition, the trust company is the development, build a professional trust subsidiary platform there are three major motivations: first, innovation motivation. For example, through the establishment of a trust company international business professional trust subsidiary, improve the overseas market and business layout, is the inevitable choice of the natural requirement of the era and the development of the trust company; in the transition to asset management, wealth management institutions, to provide timely, efficient and professional service, also benefited from the different marketing or wealth management subsidiary platform. Two, isolation motivation. Trust companies traditionally take financing business as the leading factor, and the concept, means and tools of risk control are more focused on credit risk management. The "rigid cashing" of trust products is also a double-edged sword hanging over the industry. The establishment of professional subsidiaries can establish a firewall between the parent company, which is conducive to risk isolation and avoid transmission. Three, break through motivation. Under the existing framework of separate management and separate supervision, due to the lack of necessary regulatory coordination laws and organizational safeguards, the financial supervision departments have obvious differences in the supervision standards of similar business carried out by different institutions. The establishment of professional subsidiaries opens the breach of trust business development, and the practical significance is self-evident. For example, in 2015, the trust industry protection fund system was officially launched, although it can improve the overall ability of the industry to resist system risk, but it also objectively improved the cost pressure of the trust company. To work through a trust subsidiary, to a certain extent can reduce operating costs, increase the power transfer to the trust company business subsidiaries. However, although the regulators’ attitude towards the establishment of trust professional subsidiaries is very clear, many supporting rules are yet to be revised. According to the reporter, 2014 annual meeting of the trust industry, the regulatory authorities related positions, the future will introduce management measures for professional subsidiaries. In addition, some trust companies also received the requirements of the local banking regulatory authorities to submit special materials last year, one of which is the policy recommendations for the construction of professional subsidiaries of trust companies, including the regulatory system framework, and improve the existing business system amendments. It is precisely because of the weak supervision theory

要清醒对待信托子公司热潮   证券时报记者 杨卓卿   从《中国银监会办公厅关于信托公司风险监管的指导意见》首次明确“支持符合条件的信托公司设立直接投资专业子公司”,到《信托公司条例》再度提及,信托公司根据业务发展需要,可以申请设立并表管理的全资专业子公司。一年多来,信托子公司被赋予愈发重要的功能地位,迎来了一波设立热潮。   毫无疑问,专业化发展是监管层于信托公司转型升级的寄望方向。   2014年末,银监会主席助理杨家才在出席中国信托业年会时,明确鼓励信托公司成立专业子公司。他表示,“在业务细分领域,可以通过深化改革,设立全资专业子公司做专做精。比如家族信托子公司、并购信托子公司、海外信托子公司、专业销售子公司等。”   除此之外,正处转型发展期的信托公司,搭建专业信托子公司平台还有三大动因驱动:   一、创新动因。比如,信托公司通过设立国际业务专业信托子公司,完善海外市场和业务布局,是时代的自然要求和自身发展的必然选择;信托公司在向资产管理、财富管理机构转型过程中,提供及时、高效、专业化的服务,也得益于全国性异地营销或财富管理子公司平台的支撑。   二、隔离动因。信托公司传统上以融资类业务为主导,风控理念、手段、工具等更侧重于信用风险管理,信托产品的“刚性兑付”也是悬挂于行业上方的双刃剑。设立专业子公司,可以与信托母公司之间建立防火墙,有利于风险隔离,避免传导。   三、突围动因。在现有的分业经营、分业监管框架下,由于缺乏必要的监管协调法规和组织保障,各金融监管部门对不同机构开展的同类业务监管标准存在明显差异。设立专业子公司打开了信托公司业务发展的突破口,现实意义不言而喻。   例如,2015年信托业保障基金制度正式启动,虽然能够提高行业整体的抵抗系统风险能力,但是客观上也提高了信托公司的成本压力。通过信托子公司开展业务,一定程度上能降低公司运营费用,加大了信托公司向子公司转移业务的动力。   不过,尽管监管层对设立信托专业子公司的鼓励态度非常明确,但诸多配套细则却尚待修订。   据记者了解,2014年信托业年会上,监管部门相关领导表态,今后将针对专业子公司出台管理办法。此外,部分信托公司亦在去年收到地方银监机构报送专项材料的要求,其中一条即是对建设信托公司专业子公司的政策建议,包括对监管制度框架、完善现行业务制度的修改意见等。   正是因为目前尚处“弱监管”环境,信托子公司的风险管理防范也是值得注意的问题。   一些为了“回避”监管高压成立的信托子公司,实际上承担了转移某些业务的目的,加上信托公司在专业领域的管理经验远未完善,更有可能成为风险滋生地带。   对此,有关部门已经有意加大管控力度。中国基金业协会近日发布《关于进一步规范私募基金管理人登记若干事项的公告》中提到“私募基金管理人应当依法及时备案私募基金”,规定时间内没有备案私募基金产品,相应资质会被注销。   具体到信托公司层面,部分信托子公司可能面临被注销私募资质的风险。尽管这给信托公司的实际影响较小,但不失为信托子公司蓬勃发展的一剂清醒剂。 进入【新浪财经股吧】讨论相关的主题文章: