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Notice by the General Office of the National Financial Regulatory Administration Regarding the Vigorous Development of Commercial Insurance Annuities
[Effective]
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国家金融监督管理总局办公厅关于大力发展商业保险年金有关事项的通知
[现行有效]
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【法宝引证码】
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| Notice by the General Office of the National Financial Regulatory Administration Regarding the Vigorous Development of Commercial Insurance Annuities | | 国家金融监督管理总局办公厅关于大力发展商业保险年金有关事项的通知 |
| (No. 110 [2024] of the General Office of the National Financial Regulatory Administration) | | （金办发〔2024〕110号） |
| All the local offices of the National Financial Regulatory Administration (NFRC), life insurance companies, and relevant commercial banks: | | 各金融监管局，各人身保险公司，相关商业银行： |
| For the purposes of thoroughly implementing the decisions and arrangements of the Central Financial Work Conference on pension finance, addressing the shortcomings of the third pillar faster, further meeting the people's diversified old-age security and wealth management needs, and better serving Chinese modernization, with the approval of the NFRC, you are hereby notified of the following matters regarding the vigorous development of commercial insurance annuities: | | 为深入贯彻落实中央金融工作会议关于做好养老金融大文章的决策部署，加快补齐第三支柱短板，进一步满足人民群众多样化养老保障和财富管理需求，更好服务中国式现代化，经金融监管总局同意，现就大力发展商业保险年金（以下简称商保年金）有关事项通知如下： |
| I. For the purposes of these Notice, “commercial insurance annuity” means a product developed by a commercial insurance company that has the functions of pension risk management and long-term stable contributions, including an annuity scheme or endowment insurance with an insurance period of five years or more and a designed contribution or payment period characteristic of old-age security, a commercial retirement plan, or any other product approved by the NFRC. Insurance companies are encouraged to leverage the role of commercial insurance annuities in inter-period payments, value preservation and appreciation, and receipts in the form of annuity, to provide customers with long-term, stable wealth building and sustained, stable retirement benefits, make financial plans for personal retirement better conceived, more effective, and more stable, and effectively suit the needs to make ends meet upon retirement. | | 一、本通知所称商保年金是指商业保险公司开发的具有养老风险管理、长期资金稳健积累等功能的产品，包括保险期限5年及以上、积累期或领取期设计符合养老保障特点的年金保险、两全保险，商业养老金以及金融监管总局认定的其他产品。鼓励保险公司发挥商保年金跨期支付、保值增值、年金化领取等作用，为客户提供长期稳健的财富积累和持续稳定的养老金收入，增强个人养老财务规划的科学性、有效性和稳定性，有效满足老龄阶段财务收支匹配的保障需求。 |
| II. Vigorously developing various annuity schemes. Insurance companies shall supplement old-age security, continuously improve the level of services such as pension risk assessment, pension planning, and management of customers throughout their life cycle, enrich the methods and periods of annuity payment, strengthen the connection with basic pension insurance, and help build a multi-level and multi-pillar pension insurance system. They shall focus on developing products and services with long-term payment functions, and explore ways to meet the needs to convert personal wealth into and receive retirement benefits. Leveraging the features of exclusive commercial pension insurance, such as flexible payment, secure funds, and support for long-term annuity payments, insurance companies shall create a retirement benefit management tool with basic security functions. They shall optimize product design and explore various ways to meet customers' reasonable liquidity needs during the contribution period. | | 二、大力发展各类养老年金保险。保险公司要发挥补充养老保障作用，持续提升客户全生命周期养老风险评估、养老金规划和管理等服务水平，丰富年金领取方式和期限，加强与基本养老保险的衔接，助力构建多层次、多支柱养老保险体系。重点发展具有长期领取功能的产品和服务，探索满足个人财富的养老金转化和领取需求。发挥专属商业养老保险交费灵活、资金安全、支持长期年金领取等特点，打造具有基础性保障功能的养老金管理工具。保险公司要优化产品设计，探索通过多种方式满足客户在积累期内合理的流动性需求。 |
| III. Actively developing other annuity schemes and endowment insurance. Under the principle of long-term development and to satisfy economic and social needs, insurance companies are supported in leveraging the features of product management mechanisms to explore and develop other annuity and endowment insurance products with strong security functions, controllable operating costs, and a match between returns and customer risk preferences. Insurance companies may provide life annuities, old-age security, and differentiated fund management services to customers of different ages through product combinations, functional linkages, or any other means, and guide long-term contributions and receipt of retirement benefits. | | 三、积极发展其他年金保险和两全保险。坚持长期发展理念，顺应经济社会需要，支持保险公司发挥产品管理机制特点，探索开发保障功能较强、经营成本可控、收益水平与客户风险偏好相匹配的其他年金保险和两全保险产品。保险公司可以通过产品组合或功能衔接等方式，为不同年龄客户提供生存年金、养老保障和差异化资金管理服务，引导长期积累和领取养老金。 |
| ．．．．．． | | ．．．．．． |
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