To Taian City Center
located at the foot of the magnificent Mount Tai, Taian central hospital undertakes the medical and health care tasks of the city's 5.4 million population and more than 10 million Chinese and foreign tourists every year, as well as the technical guidance tasks for the hospitals of all counties, cities and districts in the city. At the same time, it undertakes the clinical practice and probation teaching task of Taishan Medical College. It is a modern comprehensive hospital with complete professional departments, reasonable talent structure, strong technical force, advanced medical equipment, outstanding professional characteristics, and comprehensive development of medicine, ecation, research, prevention and health care
Company Name: Tai'an central hospital
headquarters: Tai'an City
time of establishment: 1948
business scope: medical institutions
nature of the company: public hospital
hospital grade: Class III a
hospital type: General hospital
Insurance editor to help you answer, more questions can be answered online
on September 6, the new regulation of life insurance, which has attracted much attention from the market, was officially promulgated. The official website of CIRC issued the notice of CIRC on strengthening the supervision of life insurance procts and the notice of CIRC on further improving the actuarial system of life insurance, which clearly stated that the protection function of insurance procts is the first to adhere to the principle of "insurance"; We will strengthen supervision over new insurance procts, including dividend insurance, universal insurance and investment linked insurance
how to strengthen supervision? Will it be across the board? As the previous rumor said, "600 billion yuan" universal insurance delisting The notice clearly states that the policy will be implemented smoothly, giving clear expectation to the market, guiding some insurance companies to graally adjust their business structure, avoiding "sudden brake" and forming cash flow risk. However, all insurance procts that do not meet the requirements should be stopped before April 1, 2017:
5. All companies should strictly implement the relevant provisions of the notice of China Insurance Regulatory Commission on regulating matters related to life insurance procts with medium and short ration (CIRC [2016] No. 22), and do a good job in evaluating the expected ration of procts according to the principle of substance over form and relevant recognition standards
(1) from January 1, 2017, investment linked insurance procts and variable annuity insurance procts shall be evaluated and reported in accordance with the definition requirements of short and medium term deposit renewal procts
(2) from January 1, 2017, insurance companies shall not design life insurance, annuity insurance and nursing insurance as short and medium term renewal procts
(3) as of January 1, 2017, for additional insurance procts such as additional universal insurance and additional investment linked insurance, the expected ration of the proct should be evaluated separately, and whether it belongs to medium and short term renewal procts should be judged< Sixth, the board chairman and chief actuary of an insurance company should strengthen the capital control and business planning of the medium and short term deposit renewal procts, and reasonably determine the premium scale of the medium and short term deposit renewal procts according to the company's capital strength and other factors. The annual premium income of short deposit renewal procts of an insurance company shall be controlled within the limit required by this article
(1) from January 1, 2016, the annual premium income of short and medium-term renewal procts of an insurance company should be controlled within 2 times of the company's invested capital and net assets at the end of the most recent quarter
(2) for the insurance companies whose premium income of medium and short-term renewal procts in 2015 is 2 times higher than that of the invested capital and net assets of the year, the company will be given a five-year transitional period from January 1, 2016. During the transitional period, the annual premium income of short and medium term deposit renewal procts of an insurance company shall be controlled within the benchmark amount
benchmark amount = the one with larger invested capital and net assets at the end of the latest quarter × 2+1-0.2t × Premium income of short and medium term deposit renewal procts in 2015 - the one with larger invested capital and net assets at the end of 2015 × 2) , t = year-2015, the annual range is from 2016 to 2020
(3) the annual premium income of the short and medium term renewal procts with the expected ration of more than 60% of the policies sold by the insurance company over one year (including one year) and less than three years (excluding three years) should be controlled within 90% of the overall limit in 2016, 70% of the overall limit in 2017, and 50% of the overall limit in 2018 and beyond
(4) from January 1, 2019, the proportion of annual scale premium income of short-term deposit renewal procts in the total scale premium income of the year shall not exceed 50%; From January 1, 2020, the proportion of annual scale premium income of short-term deposit renewal procts in the total scale premium income of the year shall not exceed 40%; From January 1, 2021, the proportion of annual scale premium income of short-term deposit renewal procts in the total scale premium income of the year shall not exceed 30%
(5) for the insurance companies whose short-term deposit renewal procts violate the limit requirements, the CIRC will take regulatory measures such as stopping some or all of the new businesses of the relevant companies according to the requirements< 8. This Circular shall come into effect as of the date of promulgation. All insurance procts that do not meet the requirements of this Circular shall be closed before April 1, 2017. If the relevant provisions previously issued by CIRC are inconsistent with this circular, this Circular shall prevail
the person in charge of the relevant department of CIRC also interpreted the main contents of the document: adhere to the principle of "insurance" and improve the risk protection function of life insurance procts to meet the growing demand of consumers; We should encourage life insurance companies to constantly adjust and optimize their business structure, intensify the supply side structural reform, further develop risk protection and long-term savings businesses, and keep the bottom line of no systemic risk:
1 Thirdly, we need to improve the risk protection level of life insurance procts
in the market-oriented reform of life insurance rate, we need to increase the minimum ratio of insurance amount to premium or account value from 105% to 120%, which is a higher level in the world. This time, we further increased the proportion of death insurance amount for the main age groups of life insurance procts from 120% to 160%, which exceeds the requirements of insurance regulatory authorities in the United States, Europe, Asia and other major countries and regions in the world< 2. Rece the assessment interest rate of universal insurance reserve
according to the downward situation of market interest rate, rece the upper limit of assessment interest rate of universal insurance reserve by 0.5% to 3%, and report the life insurance procts higher than the upper limit of assessment interest rate to CIRC for approval, so as to prevent the risk of interest spread and enhance the ability of insurance companies to fulfill their contractual obligations in the future. At the same time, in order to maintain the balance between procts and encourage the development of risk protection business, the assessment interest rate of ordinary life insurance procts remains unchanged at 3.5%
3. Put forward proportion requirements for the proportion of medium and short term deposit renewal business
continue to maintain the control of medium and short term deposit renewal business scale, and put forward clear proportion requirements for the proportion of medium and short term deposit renewal business scale in the company's business structure, requiring that the proportion of medium and short term deposit renewal business should not exceed 50% from 2019, and further rece to 40% and 30% in 2020 and 2021, We should give clear expectations to the market, guide some insurance companies to graally adjust their business structure, avoid "sudden brake" and form cash flow risk
4. Further improve the regulatory policy for medium and short term deposit renewal procts
include investment linked insurance procts into the regulatory scope of medium and short term deposit renewal procts, require that the proportion of policy loans should not be higher than 80% of the cash value or account value, and separately evaluate the additional universal insurance and additional investment linked insurance, so as to prevent insurance companies from passing through investment linked insurance, policy loans, and other insurance policies Additional insurance and other ways to avoid the regulatory policy of short and medium term deposit renewal procts
5. Improve the regulatory requirements related to proct design
require insurance companies not to design life insurance, annuity insurance and nursing insurance as medium and short term renewal procts, and adhere to the risk protection and long-term savings attributes of the above procts. The insurance company is required to reasonably determine the charge of various procts, and the procts whose profit test results show that the new business value is negative will not be approved and filed
6. Strengthen the responsibility of the chief actuary
clarify the performance requirements and reporting obligations of the chief actuary, further strengthen the responsibility of the chief actuary, and severely punish the chief actuary who fails to perform his ties, such as disqualification, so as to effectively play the key role of the chief actuary in the actuarial management of the company's procts
after the introction of the new regulations and a good start next year, the instry premium and investment scale may decline
the new regulations stipulate that all insurance procts that do not meet the requirements will be closed before April 1, 2017. Affected by the scale restriction and the decline of settlement interest rate, the scale of short and medium term deposit renewal procts will decline significantly next year
the regulatory expectation is that the pricing interest rate and debt cost of life insurance procts such as universal insurance will graally fall, the aggressive pricing and high settlement interest rate will be significantly curbed, the business structure will be graally optimized, and the profitability, risk prevention ability and sustainable development ability of insurance companies will be further enhanced
in the next step, the CIRC will also use a variety of means to strengthen the supervision of life insurance procts such as universal insurance, and strictly abide by the risk bottom line“ To speed up the development of risk protection and long-term savings businesses, insurance companies should be called "insurance" to prevent major shareholders from turning insurance companies into financing platforms. "
1. From Weifang service area, drive 108km along Qingyin Expressway to Zibo, leave Laiwu / Zichuan / Boshan exit, enter binlai Expressway / s29
2, drive 73.5km along binlai Expressway / s29, enter Beijing Shanghai Expressway / G2 / Qinglan Expressway / G22 / Bolai Expressway
3, drive 6.9km along Beijing Shanghai Expressway / G2 / Qinglan Expressway / G22 / Bolai expressway, and leave Tai'an / Qufu / S26 exit, Enter Laitai Expressway / S26
4, drive along Laitai Expressway / S26 for 52.3km, get off the expressway, come out of Tai'an toll station, and enter Dongyue Street
