险企资产负债管理新规来了！这些新增监管指标不达标将被处罚

Core Viewpoint - The Financial Regulatory Administration has released a draft for the "Insurance Company Asset-Liability Management Measures," aiming to enhance the regulatory framework for asset-liability management in the insurance industry, particularly in the context of a low-interest-rate environment [2][4]. Group 1: Regulatory Framework - The draft consolidates existing regulations and introduces new indicators for asset-liability management, emphasizing the importance of maintaining a reasonable match between assets and liabilities to mitigate risks [3][4]. - The new measures are part of a broader effort to improve the resilience of the insurance industry and ensure prudent regulatory practices [4]. Group 2: Asset-Liability Management Goals - Effective asset-liability management is crucial for sustainable operations, focusing on matching the duration, cost, and liquidity of assets and liabilities [3][5]. - The draft outlines the need for insurance companies to develop comprehensive asset-liability management policies that align with their business strategies and risk preferences [5]. Group 3: New Regulatory Indicators - The draft introduces several new regulatory indicators, including effective duration gap for life insurance companies and liquidity coverage ratios for both life and property insurance companies, with specific threshold requirements [6][7]. - For property insurance, the minimum regulatory standard for new indicators is set at no less than 100%, while life insurance companies have specific duration gap requirements [7][8]. Group 4: Reporting and Compliance - Insurance companies are required to submit quarterly and annual reports on their asset-liability management, with annual reports needing independent verification [8]. - Non-compliance with the new regulatory indicators may result in various regulatory actions, including supervisory discussions and adjustments to business structures [8].