中國保監(jiān)會打擊奇葩保險產品
中國人將不再能夠為痤瘡、睡眠不足或霧霾投保，監(jiān)管機構對一些被視為“奪人眼球”、“投機性”和“噱頭性”的保險產品下達了禁令。
The regulations issued by the China Insurance Regulatory Commission are part of a broader crackdown on non-traditional products.
中國保監(jiān)會(CIRC)頒布的保險產品開發(fā)指引，是對非傳統(tǒng)產品展開的整體打擊的一部分。
Last month the commission launched a campaign against insurers straying beyond their core business model — insuring against personal losses — by selling short-term investments called universal insurance products, the proceeds of which were used to fund acquisitions. Liu Shiyu, the commission’s chief, warned insurers not to become “barbarians” and “robbers” by aggressively acquiring companies in leveraged buyouts.
上月，保監(jiān)會對偏離核心業(yè)務模式(承保個人損失)的保險商采取行動;這些保險商銷售被稱為“萬能險”的短期投資產品，銷售所得被用于為收購提供資金。保監(jiān)會主席項俊波警告保險公司不要成為“野蠻人”和“強盜”，利用杠桿收購形式咄咄逼人地收購企業(yè)。
Later in December, the Central Economic Work Conference, China’s top economic policymaking body, made managing financial risk and preventing asset bubbles a priority for 2017.
12月中旬，中國最高經濟決策機構——中央經濟工作會議將管理金融風險和防止資產泡沫列為2017年工作重點。
“The whole regulatory framework has become tighter and more active,” said Zhou Hao, analyst at Commerzbank in Singapore. “Liu Shiyu’s speech marked a new direction for the CIRC.”
“整個監(jiān)管框架已變得更緊、更活躍，”德國商業(yè)銀行(Commerzbank)駐新加坡的分析師周浩表示。“保監(jiān)會主席的講話標志著監(jiān)管機構的一個新方向。”
China’s biggest fintech platforms have also entered the “exotic” insurance market. Users of Tencent’s Alipay payment service can buy a “Take Care of the Beautiful Cook” package that pays out if the covered person suffers cuts or burns while preparing food.
中國各大金融科技平臺也進入了“噱頭性”保險市場。騰訊(Tencent)支付寶的用戶可以購買“美廚娘關愛險”，在被保人在置備食物時被割傷或燒傷的情況下給付。
JD.com, China’s second-biggest ecommerce platform, offers an “unexpected pregnancy” plan that will partly cover medical fees for an abortion.
中國第二大電子商務平臺京東(JD.com)提供“意外懷孕”保險計劃，可以報銷墮胎的一部分醫(yī)療費用。
Other products on offer include “overtime insurance” that can be redeemed if the buyer is at the office past 9pm, and “gourmands’ insurance” that pays out in the event of indigestion.
其他提供的產品包括“加班險”(如果買家晚上9時后仍在辦公室就有錢賠)以及“美食家保險”(在消化不良的情況下給付)。
The products are sometimes used to promote the insurers, with attention-grabbing adverts intended to go viral.
此類產品有時被保險公司用于促銷，它們配合抓人眼球的廣告，旨在形成病毒式傳播。
Although regulators have previously attempted to end smog insurance, the new rules cover a broader set of products including those “where the insured event will not result in any loss to the customer” — in other words, thinly veiled gambling; “products with no real content, where the purpose of the product is for creating marketing hype”; and universal insurance products that usually combine life insurance with a high-return investment not linked to any event being insured against.
盡管監(jiān)管機構以前曾試圖叫停霧霾險，但新規(guī)則覆蓋了更廣泛的產品系列，包括“約定的保險事故不會造成被保險人實際損失的保險產品”(換句話說就是略加掩飾的賭博); “無實質內容意義、炒作概念的噱頭性產品”;以及萬能險產品，此類產品通常結合人壽保險與高回報投資(這種投資與被保險的事件沒有關聯(lián))。
