According to the viewpoint of new real estate media, the Measures clarified the rating elements. Regulatory rating comprehensively scores insurance asset management companies from five dimensions: corporate governance and internal control, asset management capability, comprehensive risk management, transaction and operation guarantee and information disclosure.
The rating will adopt a combination of qualitative and quantitative methods, with a full mark of 65,438+000. The five elements of corporate governance and internal control, asset management capability, comprehensive risk management, transaction and operation guarantee and information disclosure are 20, 30, 25, 65,438+05 and 65,438+00 respectively. On the basis of the regulatory rating score, the CBRC will revise the rating according to the details of the adjustment project and the relevant situation of daily supervision to form the regulatory rating result.
The regulatory rating period of an insurance asset management company is one year, and the evaluation period is 65438+ 10 1 to 65438+February 3 1 every year. The financial data and operating data involved shall be subject to the audited financial report. At the same time, the regulatory rating of an insurance asset management company shall be conducted in accordance with the procedures of company self-assessment, review and evaluation by the CBRC, feedback of regulatory rating results and file collection.
The regulatory rating results of insurance asset management companies are divided into four categories: A, B, C and D. Among them, the final score of regulatory rating is above 85 points (inclusive) as Class A, 70 points (inclusive) to 85 points as Class B, 60 points (inclusive) to 70 points as Class C and below 60 points as Class D. ..
In addition, if the insurance asset management company fails to submit the self-assessment before the specified date, the rating will be lowered by 1; If the self-assessment is not submitted before the deadline for determining the regulatory rating results, it will be directly rated as a Class D company; China Banking Regulatory Commission may downgrade the company's rating to 1 to 3 according to the seriousness of the case, for companies that conceal major matters in the company's self-assessment, or submit and provide data and materials with false records, misleading statements or major omissions; After the annual regulatory rating, if the risk status of an insurance asset management company changes significantly, the China Banking Regulatory Commission may dynamically adjust the regulatory rating results of the company. In principle, the starting time of dynamic adjustment should be more than 3 months after the last regulatory rating is determined.
The China Banking Regulatory Commission said that Class A insurance asset management companies have strong management and risk management capabilities, good asset management level and long-term stable investment style, which can better manage various business risks and effectively control the risks of new businesses and new products. For Class A companies, mainly off-site supervision, regularly monitor various regulatory indicators, and give appropriate support in market access, business scope, product layout and innovation.
Class B insurance asset management companies have strong management and risk management capabilities, good asset management level and stable investment style, and can better manage operational risks. For Class B companies, the combination of off-site supervision and on-site inspection is adopted to regularly monitor various regulatory indicators and conduct on-site inspections in a timely manner to urge them to continuously improve their risk management level.
Class C insurance asset management companies are weak in management and risk management, and their asset management level needs to be improved, and risk management can basically match the existing business. For Class C companies, we should appropriately increase the frequency and dimension of off-site supervision, intensify on-site inspection, urge them to continuously strengthen risk management, and restrict their high-risk businesses according to law when necessary.
Class D insurance asset management companies have weak management and risk management capabilities, and there are many problems and defects, which may affect their continuous operation, and the potential risks of individual companies may exceed their affordability. For Class D companies, it is necessary to give continuous regulatory attention, strengthen off-site supervision and on-site inspection, limit their high-risk businesses according to law, urge them to take measures to improve their operating conditions and reduce their risk levels, and take regulatory measures such as limiting their business scope and ordering them to stop accepting new businesses when necessary.
The CBRC believes that different types of insurance asset management companies should be treated differently according to the regulatory rating results. On the one hand, companies with strong management and risk management capabilities should give priority to off-site supervision, regularly monitor various regulatory indicators, grasp the latest risk situation through talks, surveys, etc., and give appropriate support in terms of market access, business scope and business approval. On the other hand, for companies with weak management ability and risk management ability, we should give continuous supervision attention, do "subtraction" in business, and take prudential supervision measures such as suspending business qualifications and ordering to stop accepting new business when necessary.
At the same time, the CBRC mentioned that the next step will be to strengthen the connection between rating results and regulatory policies, strengthen the application of rating results, ensure the effective implementation of classified regulatory measures, and maintain the seriousness and authority of regulatory rating policies.