绿色保险偿付能力计算规则有望优化

Core Viewpoint - The National Financial Regulatory Administration has issued a draft guidance aimed at promoting the high-quality development of green insurance, which includes optimizing solvency calculation rules and reducing capital occupation for green insurance businesses [1][4]. Group 1: Development Goals - By 2025, a preliminary green insurance service system is expected to be established, with enhanced risk reduction services and management mechanisms, and a significant increase in the scale of green insurance risk protection and green investment [2]. - By 2030, major progress in green insurance development is anticipated, with a well-established service system and a role as a crucial financial tool for comprehensive green transformation in the economy and society [2]. Group 2: Current Status and Challenges - Despite significant achievements in green insurance development, there remains a considerable gap compared to the global insurance industry, particularly in product development, pricing, and underwriting rules [3]. - The draft guidance aims to encourage smaller insurance companies to engage more actively in green insurance, building on the actions already taken by larger institutions [2][3]. Group 3: Specific Measures Proposed - The draft outlines specific measures to enhance green insurance, including strengthening coverage in key areas, optimizing solvency calculation rules, and reducing capital occupation for green insurance businesses [4][5]. - It emphasizes the need for a robust green investment management system, including increased weight for green investment considerations and the establishment of specialized guidelines for green investments [4][5]. Group 4: Responsibilities and Organizational Structure - Insurance companies are urged to take on the primary responsibility for green insurance development, establishing leadership and coordination mechanisms, and designating committees and senior management to oversee green insurance initiatives [6].