保险业重磅！金融监管总局最新印发

Core Viewpoint - The revised "Insurance Company Capital Guarantee Fund Management Measures" aims to optimize the management of capital guarantee funds for insurance companies, adapting to the rapid development of the insurance market and regulatory requirements in China [1][2]. Group 1: Regulatory Changes - The new measures increase the minimum net asset requirement for banks holding capital guarantee funds from 20 billion RMB to 30 billion RMB [1][2]. - The risk indicators for banks have been expanded from "capital adequacy ratio and non-performing asset ratio" to include a full set of core regulatory indicators such as "non-performing loan ratio, provision coverage ratio, and liquidity ratio" [1][2]. - The types of banks eligible to hold capital guarantee funds have been expanded, allowing banks from Hong Kong and Macau to participate, in line with international agreements [1][2]. Group 2: Insurance Company Requirements - The revised measures include "large certificates of deposit" as an acceptable form for capital guarantee fund deposits, expanding the previous definition of "large agreement deposits" to all "agreement deposits" [2]. - The minimum deposit amount for capital guarantee funds has been increased from 10 million RMB (or equivalent foreign currency) to 20 million RMB (or equivalent foreign currency) [2]. - Insurance companies with registered capital (operating funds) below 10 million RMB (or equivalent foreign currency) are required to deposit 20% of the actual increase in capital as a capital guarantee fund [2]. Group 3: Reporting and Compliance - The capital guarantee fund disposal process has shifted from a post-filing system to a post-reporting system, simplifying reporting requirements and reducing compliance costs for insurance companies [3]. - Insurance companies are now responsible for the authenticity, accuracy, and completeness of their reporting materials, with regulatory measures in place for non-compliance [3].