金融监管总局发布 《关于做好发布使用有关事项的通知》

Core Viewpoint - The Financial Regulatory Authority has issued a notification to standardize the use of the fourth life table in the personal insurance industry, emphasizing prudent practices in product pricing, reserve evaluation, and dividend distribution [1] Group 1: Regulation of Life Table Usage - The notification mandates insurance companies to determine mortality rates based on product characteristics and prudent principles [1] - It specifies that companies must assess the minimum standards for statutory reserves according to actuarial regulations, ensuring appropriate selection of mortality tables [1] - The notification requires fair calculation of dividends in participating insurance policies to protect policyholders' rights [1] Group 2: Strengthening Actuarial Responsibilities - Insurance companies are urged to enhance their actuarial management and establish internal decision-making mechanisms for product pricing [1] - The notification emphasizes the importance of actuaries in risk management and measurement, advocating for a robust retrospective mechanism [1] - The Actuarial Association is encouraged to play a self-regulatory role, improving the research and compilation of life tables and enhancing the professional ethics of actuaries [1]