中銀保監下發保險資產管理產品管理暫行辦法徵求意見稿
中國銀保監會公布,為規範保險資產管理產品業務發展,統一保險資管產品監管標準,引導保險機構更好服務實體經濟,有效防范金融風險,銀保監會根據《關於規范金融機構資產管理業務的指導意見》要求,起草了《保險資產管理產品管理暫行辦法(徵求意見稿)》並公開徵求意見。
《辦法》共八章67條,包括總則、產品當事人、產品發行設立、產品投資與管理、信息披露與報告、風險管理、監督管理和附則。主要內容是明確產品定位和形式。保險資管產品定位為私募產品,面向合格投資者非公開發行,產品形式包括債權投資計劃、股權投資計劃和組合類保險資管產品等。以及明確產品發行機制。落實深化「放管服」改革部署,進一步簡政放權,結合保險資管產品特點,推進債權投資計劃和股權投資計劃註冊發行、組合類保險資管產品登記發行,取消首單組合類保險資管產品核准要求。同時,對註冊機構和登記機構提出明確要求,落實責任,強化事中事後監管。
另外是嚴格規範產品運作。在打破剛性兌付、消除多層嵌套、去通道、禁止資金池業務、限制期限錯配等方面與《指導意見》保持一致。同時從審慎監管角度,要求保險資金投資的保險資管產品,其投資範圍應當遵守保險資金運用的監管規定。此外,是壓實產品發行人責任。進一步要求保險資管機構加強投資管理能力建設,落實風險責任人機制,健全產品全面風險管理體系,將產品業務納入內部稽核和資金運用內控審計。
內容亦包括強化產品服務機構職責。細化託管人、投資顧問等機構的資質和職責,同時對相關服務機構依法依規加強問責和監管。以及完善產品風險管理機制。要求保險資管機構按規定提取風險準備金,強化保險資管機構對關聯交易的識別和報告義務。另外是落實穿透監管,保險資管機構應當有效識別保險資管產品的實際投資者與最終資金來源,充分披露資金最終投向、投資標的和交易結構等信息。
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