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调整寿险业务结构是年初保监会确定的一项重要工作,也是推进寿险业持续、健康、快速发展,实现行业速度、规模、结构、效益和谐统一的重大举措。近年来寿险业结构调整取得了初步成效,但由于缺乏对结构调整内涵、外延、重点、手段、方式以及保障措施等方面的系统性研究,致使行业对结构调整工作的认识不够清晰,加之市场主体众多带来的价值取向差异化,影响了结构调整的整体效果及持续性。为加快推进寿险业结构调整,应树立科学的结构调整理念,明确监管部门、保险公司在结构调整中的定位;系统谋划寿险业结构调整战略,研究行业充分发挥核心功能的有效途径与规律;研究建立科学的寿险业发展评价指标体系,提高对行业保障能力发挥情况的理性认识;严格产品审批备案管理,加快推行保障型产品的费率改革;加大宣传力度,引导社会舆论方向。
Adjusting the structure of life insurance business was an important task set by the CIRC at the beginning of this year and a major move to promote the sustained, healthy and rapid development of the life insurance industry and achieve the harmonious unity of the speed, scale, structure and efficiency of the industry. The structural adjustment of the life insurance industry has achieved initial success in recent years. However, due to the lack of systematic research on the connotation, extension, emphasis, means, methods and safeguard measures of structural adjustment, the understanding of the industry on structural adjustment is not clear enough. In addition, Differences in value orientation brought about by many have affected the overall effect and sustainability of structural adjustment. In order to accelerate the structural adjustment of the life insurance industry, we should establish a scientific concept of structural adjustment, clarify the positioning of regulatory agencies and insurance companies in structural adjustment, systematically plan the structural adjustment strategy of the life insurance industry, and study effective ways and laws for the industry to give full play to its core functions. Establish a scientific indicator system for the development of the life insurance industry, and enhance the rational understanding of the situation in which the industry is able to guarantee its capabilities. We will strictly manage the examination and approval of product registrations and speed up the reform of the tariff rate of the guaranteed products. We will step up publicity and guide the direction of public opinion.