主辦單位主辦單位安邦集團(tuán)研究總部服務(wù)熱600010-67686760（Fax）訂閱熱500電子郵件Industry_info@網(wǎng)址地址北京市豐臺(tái)區(qū)南方莊1號(hào)安富大廈15層郵編100079總第304期2007/02/26-2007/03/04知會(huì)：為更好的為廣大客戶(hù)服務(wù)，提供及時(shí)有效的信息，安邦集團(tuán)在第304期《保險(xiǎn)匯編》中新增“客戶(hù)問(wèn)題反饋”的欄目，便于了解客戶(hù)心中所想，實(shí)際所需，以期為廣大客戶(hù)獻(xiàn)上一席信息盛宴?？蛻?hù)對(duì)《保險(xiǎn)匯編》有任何的意見(jiàn)或建議，可發(fā)信至電子郵件地址：liuchangshi@。安邦集團(tuán)研究總部將竭誠(chéng)為您提供最佳的服務(wù)！TOC\o"1-4"\h\z\u〖保險(xiǎn)匯編內(nèi)容調(diào)查表〗 1戰(zhàn)略性分析 3【信托保險(xiǎn)策略聯(lián)盟有巨大發(fā)展空間】 3環(huán)境信息 3〖政策動(dòng)態(tài)〗 3【保監(jiān)會(huì)公布保險(xiǎn)業(yè)違規(guī)五大癥狀】 3【保險(xiǎn)資金入市限制性條款料放寬】 4【周延禮：今年將有更多保險(xiǎn)公司上市】 4【上海保監(jiān)局：壽險(xiǎn)服務(wù)承諾向財(cái)險(xiǎn)推廣】 5【保險(xiǎn)資金去年四季度增倉(cāng)53%】 5競(jìng)爭(zhēng)對(duì)手情報(bào) 6〖?jí)垭U(xiǎn)〗 6【國(guó)壽積極洽購(gòu)信托公司】 6【太保集團(tuán)謀求年內(nèi)整體上市】 6【合眾擬借外力進(jìn)軍中型險(xiǎn)企】 7【生命人壽獲準(zhǔn)委托開(kāi)展股票投資】 7【?？笛髱浟料嘀\劃養(yǎng)老金市場(chǎng)】 8【聯(lián)泰大都會(huì)五個(gè)投資賬戶(hù)獲批】 8〖財(cái)險(xiǎn)〗 8【吳焰勾畫(huà)人保財(cái)險(xiǎn)五年發(fā)展藍(lán)圖】 8【人保財(cái)險(xiǎn)獨(dú)攬海事局保險(xiǎn)統(tǒng)括大單】 9【太保產(chǎn)險(xiǎn)承保上海液化天然氣項(xiàng)目】 9【吉林大地保險(xiǎn)承保長(zhǎng)春客車(chē)運(yùn)輸】 10市場(chǎng)信息 10〖商業(yè)保險(xiǎn)〗 10【萬(wàn)能險(xiǎn)熱銷(xiāo)背后有“隱憂(yōu)”】 10【上海今年保險(xiǎn)發(fā)展規(guī)劃浮出水面】 10【上海壽險(xiǎn)業(yè)節(jié)前縮水下滑4%】 11【廣東省加快推進(jìn)保險(xiǎn)改革發(fā)展】 11【湖北保險(xiǎn)業(yè)今年突出質(zhì)量和效益】 12【遼寧確定保險(xiǎn)發(fā)展五個(gè)目標(biāo)】 12【北京車(chē)春節(jié)異地出險(xiǎn)增一倍】 13【寧波市去年保費(fèi)收入59億】 13【廈門(mén)去年保費(fèi)收入同比增長(zhǎng)19%】 13【浙江7成農(nóng)戶(hù)參加政策性農(nóng)房險(xiǎn)】 13【江西、吉林、青海三省去年保險(xiǎn)統(tǒng)計(jì)數(shù)據(jù)】 14〖社會(huì)保險(xiǎn)〗 14【企業(yè)年金獲準(zhǔn)投資銀行間債市】 14【北京下調(diào)個(gè)體養(yǎng)老保險(xiǎn)繳費(fèi)比例】 15財(cái)務(wù)信息 15〖?jí)垭U(xiǎn)〗 15【國(guó)壽1月未經(jīng)審核保費(fèi)收入230億】 15【太保人壽繼續(xù)領(lǐng)跑上海市場(chǎng)】 15【生命人壽總資產(chǎn)首破百億大關(guān)】 16〖財(cái)險(xiǎn)〗 16【人保財(cái)險(xiǎn)1月未經(jīng)審核保費(fèi)收入104億】 16【湖南中華保險(xiǎn)坐上第二把交椅】 16營(yíng)銷(xiāo)信息 17〖?jí)垭U(xiǎn)〗 17【民生被評(píng)“06年網(wǎng)友最信賴(lài)保險(xiǎn)公司”】 17〖財(cái)險(xiǎn)〗 17【太保產(chǎn)險(xiǎn)為公安干警上保險(xiǎn)】 17【黑龍江大地推進(jìn)高危雇主責(zé)任險(xiǎn)】 17【天安榮登2006上海企業(yè)百?gòu)?qiáng)】 18【渤海保險(xiǎn)春節(jié)及時(shí)處理出險(xiǎn)】 18產(chǎn)品信息 18〖?jí)垭U(xiǎn)〗 18【上海國(guó)壽首推志愿者保險(xiǎn)】 18【華泰人壽推“鉑金相伴”產(chǎn)品】 19【首創(chuàng)安泰推美麗人生女性險(xiǎn)】 19〖財(cái)險(xiǎn)〗 19【大地保險(xiǎn)聯(lián)合農(nóng)信社推小額農(nóng)貸險(xiǎn)】 19公司信息 20〖?jí)垭U(xiǎn)〗 20【平安滬市掛牌發(fā)行價(jià)33.8元】 20【平安養(yǎng)保險(xiǎn)山東分公司掛牌】 20【太保財(cái)壽險(xiǎn)業(yè)務(wù)今年有望聯(lián)動(dòng)】 20【太平人壽再添三家分公司】 21【華泰人壽一周開(kāi)兩家分公司】 21【中宏人壽注冊(cè)資本增至6億】 21【恒安標(biāo)準(zhǔn)加快業(yè)務(wù)布局】 22【盈保售過(guò)半股權(quán)但不放棄內(nèi)地拓展】 22〖財(cái)險(xiǎn)〗 22【江西人保六措施發(fā)展車(chē)險(xiǎn)業(yè)務(wù)】 22【平安財(cái)險(xiǎn)總經(jīng)理陳強(qiáng)將辭任】 23【澳保披露入股太保財(cái)險(xiǎn)受阻內(nèi)情】 23【都邦保險(xiǎn)誠(chéng)信服務(wù)贏窗口稱(chēng)號(hào)】 24〖再?！?24【中再財(cái)險(xiǎn)深化跨越式發(fā)展模式】 24〖中介〗 24【韋萊浦東申請(qǐng)商業(yè)險(xiǎn)業(yè)務(wù)被拒】 24數(shù)據(jù)庫(kù) 25〖人壽保險(xiǎn)〗 25【解決合資壽險(xiǎn)問(wèn)題婚姻還得靠看不見(jiàn)的手】 25【臺(tái)灣安泰模式三地淡出，ING臺(tái)灣大撥備】 26【看海爾紐約人壽的服務(wù)創(chuàng)新】 28〖財(cái)險(xiǎn)保險(xiǎn)〗 30【黑龍江人保財(cái)險(xiǎn)扭轉(zhuǎn)兩年業(yè)務(wù)下滑趨勢(shì)】 30【三件寶開(kāi)啟汽車(chē)保險(xiǎn)新模式】 31〖健康保險(xiǎn)〗 32【昆侖健康保險(xiǎn)公司胡嵐：投資厭惡風(fēng)險(xiǎn)】 32【美國(guó)專(zhuān)業(yè)健康保險(xiǎn)組織協(xié)會(huì)同意使保健信息透明化】 33【美國(guó)醫(yī)院聯(lián)盟提出近似全民健康保險(xiǎn)的提議】 34〖社會(huì)保險(xiǎn)〗 35【中日社會(huì)保障比較分析】 35〖保險(xiǎn)中介〗 38【中鐵保險(xiǎn)經(jīng)紀(jì)全面提高發(fā)展和競(jìng)爭(zhēng)能力】 38〖國(guó)外同業(yè)〗 39【法國(guó)安盛整合在華資源起步】 39【韓國(guó)網(wǎng)絡(luò)汽車(chē)保險(xiǎn)份額達(dá)15%】 40【AIG季度凈盈余增長(zhǎng)并宣布分紅和新的股票回購(gòu)計(jì)劃】 42【美國(guó)OneBeacon保險(xiǎn)集團(tuán)推出政府保險(xiǎn)業(yè)務(wù)】 42【美國(guó)通用汽車(chē)金融保險(xiǎn)集團(tuán)推出休閑車(chē)保險(xiǎn)】 44【美國(guó)公民財(cái)產(chǎn)保險(xiǎn)公司計(jì)劃向商業(yè)建筑提供保險(xiǎn)】 45【美國(guó)ArrowheadWholesale新增技工和一般承包商普通責(zé)任險(xiǎn)服務(wù)】 45【德國(guó)安聯(lián)將在日本成立壽險(xiǎn)公司】 46【安盛計(jì)劃在印度新成立14家壽險(xiǎn)分公司】 46【ApaxPartners與摩根士丹利擬18億美元收購(gòu)HUBInternational】 47【毅聯(lián)匯業(yè)集團(tuán)與怡和保險(xiǎn)顧問(wèn)公司合資經(jīng)營(yíng)保險(xiǎn)衍生業(yè)務(wù)】 48〖分析評(píng)論〗 48【保險(xiǎn)業(yè)市場(chǎng)規(guī)范需要?jiǎng)傂约s束】 48【入世后保險(xiǎn)公司資本結(jié)構(gòu)的選擇】 49【我國(guó)商業(yè)強(qiáng)制保險(xiǎn)應(yīng)與國(guó)際接軌】 51【保險(xiǎn)業(yè)必須把握資產(chǎn)證券化發(fā)展機(jī)遇】 52【2007年政策性農(nóng)業(yè)保險(xiǎn)高調(diào)開(kāi)局】 56保險(xiǎn)保險(xiǎn)PAGE58請(qǐng)幫助我們提供更切合您需要的內(nèi)容我們期待著您的聲音回復(fù)請(qǐng)傳真至邦集團(tuán)客戶(hù)資源部或Email至：liuchangshi@〖保險(xiǎn)匯編內(nèi)容調(diào)查表〗個(gè)人資料姓名：年齡：?jiǎn)挝唬郝毼唬耗J(rèn)為安邦《保險(xiǎn)匯編》所提供的信息是否符合您的需求？□是□否□可用信息占少數(shù)您認(rèn)為在欄目設(shè)計(jì)上是否符合您的需求？如果不符合您希望以哪些屬性來(lái)分欄？□是□否：□______________________________________________________□______________________________________________________□______________________________________________________您認(rèn)為在內(nèi)容上《保險(xiǎn)匯編》在哪些方面需要進(jìn)一步加強(qiáng)？□分析力度□競(jìng)爭(zhēng)情報(bào)□圖表信息□外資保險(xiǎn)動(dòng)態(tài)□國(guó)外保險(xiǎn)市場(chǎng)您認(rèn)為《保險(xiǎn)匯編》是否需要增加您較關(guān)注的其它相關(guān)行業(yè)信息□相關(guān)金融信息：□銀行□證券□股市□信托□基金□相關(guān)行業(yè)信息：□電力□能源□基建□IT技術(shù)□汽車(chē)□房地產(chǎn)□其它：□______________________________________________________□______________________________________________________□______________________________________________________您認(rèn)為《保險(xiǎn)匯編》篇幅是否符合您的需求？□過(guò)長(zhǎng)□過(guò)短□適中您認(rèn)為《保險(xiǎn)匯編》最佳篇幅應(yīng)該是多少頁(yè)？□10－30頁(yè)□30－50頁(yè)□50－80頁(yè)□80－100頁(yè)本期內(nèi)容中，對(duì)您的工作最有幫助的三篇文章是：□_____________________________________________________________□_____________________________________________________________□_____________________________________________________________本期內(nèi)容中，您不喜歡的文章是：□_____________________________________________________________如有其他評(píng)述或建議，請(qǐng)說(shuō)明：您的簽名：日期：（如愿意，請(qǐng)留下您的聯(lián)系電話(huà)。）

戰(zhàn)略性分析【信托保險(xiǎn)策略聯(lián)盟有巨大發(fā)展空間】中國(guó)經(jīng)濟(jì)的持續(xù)高速增長(zhǎng)，社會(huì)財(cái)富和個(gè)人財(cái)富的迅速積累，推動(dòng)了理財(cái)市場(chǎng)的快速發(fā)展。在分業(yè)經(jīng)營(yíng)的體制下，為了開(kāi)拓市場(chǎng)，降低成本，金融機(jī)構(gòu)間調(diào)整戰(zhàn)略，加強(qiáng)合作，建立聯(lián)盟的趨勢(shì)日盛。在信托領(lǐng)域，除了與銀行業(yè)的合作與聯(lián)盟外，保險(xiǎn)業(yè)和信托業(yè)的合作與聯(lián)盟也呈現(xiàn)出巨大的需求空間。通過(guò)信托與保險(xiǎn)的策略聯(lián)盟，可以推動(dòng)信托、保險(xiǎn)的產(chǎn)品和服務(wù)創(chuàng)新，挖掘和培育新的業(yè)務(wù)增長(zhǎng)點(diǎn)，開(kāi)發(fā)個(gè)性化產(chǎn)品，滿(mǎn)足社會(huì)多樣化的金融需求，使信托、保險(xiǎn)的功能和作用得到更好的發(fā)揮。近年來(lái)，隨著保險(xiǎn)業(yè)可運(yùn)用資金的大量增加，保險(xiǎn)資金運(yùn)用渠道逐步放寬，保險(xiǎn)投資的機(jī)會(huì)和分散投資風(fēng)險(xiǎn)的工具不斷增加。根據(jù)保監(jiān)會(huì)披露的數(shù)字，目前保險(xiǎn)資金總額為1.9萬(wàn)億元，運(yùn)用余額為1.7萬(wàn)億元，保險(xiǎn)保障基金達(dá)80億元。保險(xiǎn)資金面臨的最關(guān)鍵問(wèn)題，已不是保險(xiǎn)資金運(yùn)用渠道的問(wèn)題，而是能不能有效用好保險(xiǎn)資金，有效地防范資金運(yùn)用風(fēng)險(xiǎn)的問(wèn)題。而信托作為一種有效的財(cái)產(chǎn)管理制度安排，信托財(cái)產(chǎn)的獨(dú)立性原則、受托人運(yùn)用信托財(cái)產(chǎn)的所得利益屬于信托財(cái)產(chǎn)的制度設(shè)計(jì)，可以在最大程度上保護(hù)受益人的利益，可以通過(guò)信托制度與保險(xiǎn)制度的結(jié)合保障保險(xiǎn)資金的安全性，避免保險(xiǎn)資金運(yùn)用對(duì)社會(huì)、公眾造成的風(fēng)險(xiǎn)傳遞。另外，隨著我國(guó)經(jīng)濟(jì)的發(fā)展和財(cái)富的積累，死亡人的遺產(chǎn)、未成年人的財(cái)產(chǎn)、無(wú)行為能力人的財(cái)產(chǎn)、破產(chǎn)或清算的財(cái)產(chǎn)的管理將成為一個(gè)緊迫問(wèn)題。由此將使財(cái)富傳承和管理的信托設(shè)計(jì)、管理信托、盲目信托等信托事務(wù)管理提上日程。可以開(kāi)設(shè)作為司法履約保證保險(xiǎn)品種的信托保證保險(xiǎn)，保證經(jīng)法院命令為他人利益管理財(cái)產(chǎn)的受托人能夠忠實(shí)履行自己的職責(zé)，如果信托財(cái)產(chǎn)出現(xiàn)損失，受托人應(yīng)該承擔(dān)損失?？梢酝ㄟ^(guò)信托保險(xiǎn)的合作促進(jìn)跨代際社會(huì)保障體系的建立，為構(gòu)建和諧社會(huì)提供制度保障，從而滿(mǎn)足社會(huì)經(jīng)濟(jì)發(fā)展的需要。此外，信托與保險(xiǎn)還可在國(guó)有財(cái)產(chǎn)、個(gè)人財(cái)產(chǎn)的保值、增值、保險(xiǎn)等方面共同開(kāi)發(fā)產(chǎn)品，發(fā)掘有利于相互品種設(shè)計(jì)的市場(chǎng)信息，為客戶(hù)提供專(zhuān)業(yè)化、個(gè)性化、多元化的服務(wù)，同時(shí)通過(guò)信托與保險(xiǎn)的聯(lián)盟打造適應(yīng)國(guó)際化趨勢(shì)的復(fù)合型金融人才隊(duì)伍，從而使信托、保險(xiǎn)顯示出旺盛的生命力。HYPERLINKsaidJaneenMcBride,vicepresidentofMedImpactandaboardmemberofNASHO."Webelievethatclientsandconsumershavetherighttoknowwhatishappeningbothclinicallyandfinanciallywiththeirdrugbenefit.WeareverypleasedthatNASHOhasgoneonrecordrepresentingspecialtyhealthorganizationssupportingincreasedtransparencytohelpconsumersmakeeffectivehealthcarechoices."NASHOmembersprovidedental,vision,hearing,chiropractic,radiology,behavioralhealth,pharmacybenefitsandotherancillaryservices."NASHO'sgoalistofullyintegratespecialtyhealthorganizationsintothehealthcaredelivery/reimbursementmodelandensurethatspecialtyservicesareeffectivelycoordinatedtomaximizethevalueofhealthcaretopatients,"explainedNASHOExecutiveDirectorJulianRoberts."Wethinkthatconsumersneedpriceandqualityinformationtohelpthemmakechoices.Ourmembersaredevelopingapproachestoshareinformation."NASHOrecognizesthattransparencycanonlybeachievedthroughthecommitmentofandpartnershipbetweengovernments,payers,healthcareorganizations,andproviders.NASHOseekstobeapartofthedialogueonincreasingtransparency.TheNASHOpositionstatementdefinestransparencyasmakingavailableinformationtoassistpatientsandpayersinmakingdecisionsbasedoncostandquality,whilepreservingtherightsoforganizationstokeepcompetitivebusinessinformation–includingindividualcontracttermsandpriceagreements-confidential."Webelievethattransparencyisagreatfirststeptowardensuringthatthegoalsofspecialtyhealthcompaniesandpayersarealigned,"commentedMcBride."Alignmentofinformation-sharinggoalsbetweenspecialtyhealth,payers,employersandnetworkswillbenefitconsumers."Inthenewstatement,NASHOapplaudsnationaleffortstoengageconsumersinhealthcaredecisionsbymovingtowardamoretransparenthealthcaresystem.NASHOencouragespolicymakerstorecognizethehealthydiversityofthehealthcaresystem,includinginvolvementofavarietyofspecialtyhealthorganizations,andurgesthemtodevelopapproachesthatpromotecompetitionandimprovementonthebasisofcostcombinedwithquality.(U.S.Newswire,27-Feb-07)HYPERLINKinthecurrenthealthcaresystem.FAHestimatedthattheproposalwouldreducethenumberofuninsuredresidentsfrom47millionto6.6millionifadoptedthisyear.Undertheproposal,twooutofeverythreeresidentswhoobtainedhealthinsurancewouldhaveprivatecoverage,accordingtoFAH.FAHalsoreleasedtheresultsofapollthatindicated"strongpublicsupport"fortheproposal,CQHealthBeatreports.Inaddition,79%ofrespondentssaidthatthepositionspresidentialcandidatestakeontheissueoftheuninsuredwillinfluencetheirvotesinthe2008election,thepollfound(Reichard,CQHealthBeat,2/22).ReactionAnalystssaidthattheFAHproposalandotherrecentlyannouncedhealthinsuranceproposalsseektopromptpresidentialcandidatestoaddresstheissueoftheuninsured.CenterforStudyingHealthSystemChangePresidentPaulGinsburgsaid,"Thewholepurposeistocapturepeople'simaginationandtomakethisamajorcampaignissue.Iwouldexpectallmajorcandidatesseekingthenominationtohaveoutlinedproposalstoexpandhealthinsurancecoverage"(Reuters/LosAngelesTimes,2/23).(News-Medical.Net,25-Feb-07)HYPERLINKOneBeaconGovernmentRiskSolutionsisthesecondnewbusinessformedsincetheCompany'sIPOinNovember2006.AlongwithitsemergingAccidentandHealthgroup,otherOneBeaconspecialtyproductsthatserveavarietyofnichecustomergroupsincludeoceanmarine,medicalmalpractice,lawyers'professionalliability,medialiability,andcommunitybanks.OneBeaconInsuranceGroupoffersarangeofspecialtyandsegmentedcommercialandpersonalinsuranceproductssoldprimarilythroughselectindependentagents.AsoneoftheoldestpropertyandcasualtyinsurersintheUnitedStates,OneBeacontracesitsrootsto1831andthePotomacFireInsuranceCompany.Today,OneBeacon'sspecialtyinsuranceproductsareavailablecountrywide,andcommercialandpersonallinesareofferedinselectgeographicterritories.OneBeacon'sprincipalbusinessofficeisinBoston,Massachusetts.TheCompanyispubliclytradedontheNewYorkStockExchangeunderthesymbol"OB".SafeHarborStatementunderthePrivateSecuritiesLitigationReformActof1995Thispressreleasemaycontain"forward-lookingstatements"withinthemeaningofSection27AoftheSecuritiesActof1933andSection21EoftheSecuritiesExchangeActof1934.Allstatements,otherthanstatementsofhistoricalfacts,includedorreferencedinthisreleasewhichaddressactivities,eventsordevelopmentswhichweexpectoranticipatewillormayoccurinthefutureareforward-lookingstatements.Thewords"will,""believe,""intend,""expect,""anticipate,""project,""estimate,""predict"andsimilarexpressionsarealsointendedtoidentifyforward-lookingstatements.Theseforward-lookingstatementsinclude,amongothers,statementswithrespecttoOneBeacon:--growthinbookvaluepershareorreturnonequity;--businessstrategy;--financialandoperatingtargetsorplans;--incurredlossandlossadjustmentexpensesandtheadequacyofitslossandlossadjustmentexpensereservesandrelatedreinsurance;--projectionsofrevenues,income(orloss),earnings(orloss)pershare,dividends,marketshareorotherfinancialforecasts;--expansionandgrowthofourbusinessandoperations;and--futurecapitalexpenditures.ThesestatementsarebasedoncertainassumptionsandanalysesmadebyOneBeaconinlightofitsexperienceandperceptionofhistoricaltrends,currentconditionsandexpectedfuturedevelopments,aswellasotherfactorsbelievedtobeappropriateinthecircumstances.However,whetheractualresultsanddevelopmentswillconformtoourexpectationsandpredictionsissubjecttoanumberofrisksanduncertaintiesthatcouldcauseactualresultstodiffermateriallyfromexpectations,including:--claimsarisingfromcatastrophicevents,suchashurricanes,earthquakes,floodsorterroristattacks;--recordedlossandlossadjustmentexpensereservessubsequentlyprovingtohavebeeninadequate;--thecontinuedavailabilityandcostofreinsurancecoverage;--thecontinuedavailabilityofcapitalandfinancing;--generaleconomic,marketorbusinessconditions;--businessopportunities(orlackthereof)thatmaybepresentedtoitandpursued;--competitiveforces,includingtheconductofotherpropertyandcasualtyinsurersandreinsurers;--changesindomesticorforeignlawsorregulations,ortheirinterpretation,applicabletoOneBeacon,itscompetitorsoritsclients;--aneconomicdownturnorothereconomicconditionsadverselyaffectingitsfinancialposition;--otherfactors,mostofwhicharebeyondOneBeacon'scontrol;and--therisksthataredescribedfromtimetotimeinOneBeacon'sfilingswiththeSecuritiesandExchangeCommission,includingOneBeacon'sfinalprospectusdatedNovember8,2006Consequently,alloftheforward-lookingstatementsmadeinthispressreleasearequalifiedbythesecautionarystatements,andtherecanbenoassurancethattheactualresultsordevelopmentsanticipatedbyOneBeaconwillberealizedor,evenifsubstantiallyrealized,thattheywillhavetheexpectedconsequencesto,oreffectson,OneBeaconoritsbusinessoroperations.OneBeaconassumesnoobligationtoupdatepubliclyanysuchforward-lookingstatements,whetherasaresultofnewinformation,futureeventsorotherwise.(PRNewswire,1-March-07)HYPERLINKsaidWadeBontrager,VicePresident,RVMarketing,GMACInsurance-PersonalLines.GMACInsurance'sRVcoverageincludes:*StorageCoverage–Anindustry-exclusivefeaturethatallowscustomerstosavemoneybysuspendingcollisionandliabilitycoveragesduringthemonthstheyarenotusingtheirRV.Comprehensivecoveragestaysineffecttoprotectagainstfire,storm,windandtheft.*PersonalContentsCoverage–Withabasicpolicy,personalbelongingsareautomaticallyinsuredfortheirfullreplacementcost–notadepreciatedamount–upto$3,000,atnoextracost.Additionalcoveragecanbepurchased.*ReplacementCostCoverage–IfanRVistotaledorstolen,thisoptionalcoverageprovidesfullreplacementcost–ratherthanjustthedepreciatedvalue–foracomparablenewRV,evenifthecustomerisnottheoriginalowner.*Full-timerLiabilityCoverage–SpecificallydesignedforthosewholiveintheirRVfull-time,thisoptionalcoverageissimilartohomeowner'sinsurancecoverageforinjuriesinoraroundtheRV,aswellasforpersonalliability.GMACInsurance'sspecializedRVcoverageisnowavailablethroughindependentinsuranceagentsrepresentingGMACInsuranceinArizona,Illinois,OhioandTennessee.Thecompanyplanstoextendavailabilitytoagenciesinadditionalstatesthroughout2007.(InsuranceJournal,27-Feb-07)HYPERLINK\l"書(shū)"返回目錄【美國(guó)公民財(cái)產(chǎn)保險(xiǎn)公司計(jì)劃向商業(yè)建筑提供保險(xiǎn)】【Citizensseekstoprovidecoverageforhighervaluebuildings】CitizensPropertyInsuranceCorp.planstoincreaseinsuranceoptionsforbusinessproperties.Theseven-memberCitizensboardunanimouslyapprovedamoveThursdaytopotentiallyincreasewindinsuranceforstructuresworthupto$10million.Before,undertheJointUnderwritersAssociation,commercialstructureswereeligibleforwindinsuranceonbuildingsvalueduptojust$1million.Thepayoutstaysthesame,cappedat$1million,butnow,highervaluestructureswillbeabletogetcoverage,oncethechangesareapproved.Citizensisthestate-createdinsureroflastresort.It'sanactiondesignedtobetteraccommodatetheneedsofbusinessowners,saidRockyScott,spokesman.ThechangewouldgointoeffectJune1.Citizens'commercialinsuranceprovisionsarearesultofabilltheLegislaturepassedonJan.22,whichcalledforthestate'sCommercialJointUnderwritingAssociation's511policiestobeabsorbedbyCitizens.That'sinprocess.Meanwhile,theCitizensboardisstillhammeringoutthedetailsonblanketmulti-perilinsurancecoveragethatcouldunderwritefireandfloods,amongothercausalitiesandnaturaldisasters,Scottsaid.Regardless,Citizens'existing36,000smallbusinesspolicyholdersthatarenowinwhatareconsideredhighriskwindzoneswillberolledoverintoitsmulti-perilinsurance,effectiveSept.1.Meanwhile,theboardplanstoreconveneinApriltofinalizethecommercialinsuranceprovisionsdiscussedThursday.Fromthere,thechangeswillneedauthorizationfromtheFloridaOfficeofInsuranceRegulationandapprovalfromCommissionerKevinMcCarty.(MSNMoney,1-Mar-07)HYPERLINK\l"書(shū)"返回目錄【美國(guó)ArrowheadWholesale新增技工和一般承包商普通責(zé)任險(xiǎn)服務(wù)】【ArrowheadWholesaleaddsContractorsProgram】ArrowheadWholesaleInsuranceServicesLLChasaddedageneralliabilitymarketforartisanandgeneralcontractors.Morethan50classesareconsidered,inadditiontogeneralcontractors.Premiumisbasedongrossreceiptswitheligibilityupto$1.5millionincludingmaterialcosts.Workispermissibleontracthomesandthereisrestrictionontractsize.Highlightsincludeupto70percentofsub-costsallowed,newhomeconstructionuptotwopropertiesannually,andautomaticblanketadditionalinsuredandwaiverofsubrogationendorsementsatnoadditionalcharge.Newventureswillbeacceptedwithatleastthreeyearsexperienceinthesamelineofwork.Limitsare:$1millionperoccurrence/$2milliongeneralaggregate/$1millionproductsandcompletedoperations.Higher$2million/$2million/$2millionlimitsareavailableuponrequest.Minimumpremiumis$1,000withastandard$1,500deductible($2,500forplumbingclasses).CoverageisavailableinCalifornia,NevadaandArizona.Paymentoptionsincludefullpaymentorpremiumfinancing.(InsuranceJournal,26-Feb-07)HYPERLINK\l"書(shū)"返回目錄【德國(guó)安聯(lián)將在日本成立壽險(xiǎn)公司】【Germany'sAllianztolaunchlifeinsuranceopsinJapan-report】GermaninsurancegiantAllianzSEwillentertheJapaneselifeinsurancemarketbysettingupaunittosellvariableannuitiesviabankbranches,theNikkeireported,withoutcitingsources.AsitintendstoofferabroadrangeofinsuranceservicesinJapan,Allianzisconsideringeventuallysettingupaninsuranceholdingcompanythatwilloverseeboththeto-be-establishedlifeinsurerandlocalnonlifeinsuranceunitAllianzFire&MarineInsuranceJapanLtd,thebusinessdailysaid.Theholdingcompanymayevenbeexpandedtobecomeacomprehensivefinancialholdingfirmbybringinggroupinvestmentfirmsandotherunitsunderitsumbrella,itsaid.AllianzhopestobeginoperationsatitsnewJapaneselifeinsuranceunitatthestartofnextyearafterbeinglicensedbytheFinancialServicesAgency,theNikkeisaid.(Forbes,28-Feb-07)HYPERLINK\l"書(shū)"返回目錄【安盛計(jì)劃在印度新成立14家壽險(xiǎn)分公司】【AxatoOpen14MoreLifeInsuranceBranchesinIndia】AxaAsiaPacificHoldingsLtd.,theAustralianunitofEurope'ssecond-biggestinsurer,saiditplanstoopen14morelifeinsurancebranchesinIndiathisyear,tappinggrowthintheworld'ssecond-mostpopulouscountry.``Thefastest-growingmarketswillbeChinaandIndia,simplybecauseofthesizeandlowpenetrationratesnow,''saidMarkPearson,regionalchiefexecutiveforlifeinsuranceatAxaAsiaPacific,inaninterviewinHongKongtoday.``InIndia,thelicensesarenationallicenses.WeareabletoopenupataslightlyfasterpacethanwecaninChina.''TheinsurerisspeedingupexpansioninIndia,whereeconomicgrowthisboostingdemandforfinancialservicesandproducts.BhartiAxaLifeInsuranceCo.,Axa'sventurewithBhartiGroupinthecountry,planstosellpoliciesin20citiesbytheendoftheyear,upfromsix,Pearsonsaid.Indiahadaninsurancepenetrationrateof3.14percentin2005,belowthe9.15percentintheU.S.and12.45percentintheU.K.,accordingtodatabySwissReinsuranceCo.China'sratewas2.7percent.Penetrationmeasurestotalpremiumsasapercentageofgrossdomesticproduct.Locallifeinsurerscollectedpremiumsof1.05trillionrupees($24billion)intheyearendedMarch31,2006,16percenthigherthanayearearlier,C.S.Rao,chairmanoftheInsuranceRegulatoryandDevelopmentAuthority,saidinOctober.Futuregrowthmaybeasmuchas24percentyearly,hesaid.Thegovernmentexpectsthe$854billioneconomytoexpand9.2percentintheyeartoMarch31.Growthhasaveraged8.6percentinthepastfouryears,thequickestpacesinceindependencein1947,makingIndiatheworld'ssecondfastest-growingmajoreconomyafterChina.GrowthOutlook``Theprospectsofgrowthareverystrong,''Pearsonsaid.BhartiAxa,startedlastAugust,hadpremiumincomeof28.6millionrupeeslastyearandoperatesinsixcitiesincludingChennai,MumbaiandHyderabadwith475agents.BhartiGroupofferscellularandtraditionaltelephoneservicesinthecountry.InChina,overseasinsurersneedregulatoryapprovalbeforetheycanenteranewcity,whereastheygetanationallicenseattheoutsetinIndia,makingbranchexpansioneasier.AxaisapprovedtosellpoliciesinfourcitiesinChina,includingShanghaiandGuangzhou.AxaAsiaPacific,52percent-ownedbyParis-basedAxaSA,reportedlastweeknetincomerose23percenttoA$668million($529million)lastyear,boostedbyincreasedfundsundermanagementandsalesthroughacquisitions.Thecompanyaimstodevote10percentofitsprofiteveryyeartodevelopingbusinessinnewlyenteredmarketssuchasChina,India,MalaysiaandIndonesia,Pearsonsaid.PossibleAcquisitionsTheinsurer,whichhasA$1.3billionofsurpluscapital,mayconsideracquisitionstoentercountriessuchasSouthKoreaandTaiwan.``Wehaveastrongbalancesheet,''Pearsonsaid.``MarketsthatwearelookingatwouldbeinNorthAsia,inparticularTaiwanandKorea,whereoverthelastthree,fouryears,marketdevelopmentshavebecomeveryattractive.''Hedeclinedtobemorespecific.ThecompanyboughtNationalAustraliaBankLtd.'sMLCinsuranceunitsinHongKongandIndonesiaforA$575millioninMayandagreedtobuyWinterthur'sHongKonglifeunitforaboutA$311millioninDecember.(Bloomberg,26-Feb-07)HYPERLINK\l"書(shū)"返回目錄【ApaxPartners與摩根士丹利擬18億美元收購(gòu)HUBInternational】【Apax,MorganStanleytoBuyInsurerHub】PrivateequityfirmApaxPartnersandinvestmentbankMorganStanley[ticker:MS]announcedintentionsyesterdaytobuyinsurancebrokerHubInternationalLtd.[ticker:HBG]forabout$1.8billion.TermsofthedealcallforChicago-basedHubtoreceive$40pershare,a16%premiumfromFriday'sclosingpriceof$34.49.ApaxandMorganStanleyarealsoexpectedtoassume$145millionofHubdebt.Thenation's12th-largestinsurancebrokerage,accordingtosomeindustryestimates,Hubprovidespropertyandcasualty,reinsurance,lifeandhealth,employeebenefits,investmentandriskmanagementproductsandservicesthroughouttheU.S.andCanada.Thedealcomesontheheelsofasimilaracquisitionannouncedinmid-January,wheninvestmentbankGoldmanSachsGroupInc.[ticker:GS]agreedtobuyinsurancebrokerUSIHoldingsCorp.[ticker:USIH]for$1.4billion.(BankNet360,28-Feb-07)HYPERLINK\l"書(shū)"返回目錄【毅聯(lián)匯業(yè)集團(tuán)與怡和保險(xiǎn)顧問(wèn)公司合資經(jīng)營(yíng)保險(xiǎn)衍生業(yè)務(wù)】【ICAP,JardineLloydinInsuranceDerivativesVenture】ICAPPlc,theworld'slargestbrokeroftransactionsbetweenbanks,isstartingajointventurewithinsurancebrokerJardineLloydThompsonPlctoofferderivativesandbondsbrokingintheinsuranceandreinsurancemarkets.London-basedICAPandJardineLloydwilldevelopmarketswherederivatives,securitiestradingandinsurancemarketsareconverging,thecompanysaidinaregulatorynewsstatement.TheventurewillbeequallyownedbetweenICAPandJardineLloyd,theU.K.'ssecond-biggestpubliclytradedinsurancebroker.Insurersareincreasinglyusingthesecuritiesmarkettotransfertoinvestorstheriskoflossesrangingfromnaturaldisasterstojumpsinmortalityrates.Salesofinsurance-linkedsecuritiesandcatastrophebondshavequadrupledto$27billioninthepastfiveyearsandcouldreach$350billioninadecade,accordingtoSwissReinsuranceCo.``Thisisapreliminarystepbythetwocompaniestoexploreapotentialmarket,''saidICAPspokesmanNeilBennettinaninterview.DeutscheBankAGstartedofferingpricesonderivativesthatallowtraderstobuyandsellprotectiononU.S.insuranceindustrylossescausedbynaturalcatastrophessuchashurricanesandearthquakes,theFinancialTimesreportedinNovember.Themarketforinsurance-linkedsecuritiesisbeingspurredbynewrulesproposedbytheEuropeanUnionknownasSolvencyII,whichwillgovernhowmuchcapitalinsurersneedtosetasidetocoverlosses.TheEUplanstoimplementtherulesby2010.InsuranceCDOHannoverRe,theworld'sfourth-biggestreinsurer,yesterdaysold95millioneurosofbondsbasedontheriskofotherinsurersandreinsurersdefaulting.Theso-calledcollateralizeddebtobligationpackagescredit-defaultswaps,contractsbasedoncorporatebondsandloansthatareusedtospeculateonacompany'sabilitytorepaydebt.Collateralizeddebtobligationsarecreatedbypackagingdebtorcreditderivativesandusingtheirincometopayinvestors.CDOsaredividedintodifferentportionsofvaryingrisk,whichcanofferhigherreturnsthanthedebttheyarebasedonorequivalentlyratedbonds.Derivativesarefinancialinstrumentsderivedfromstocks,bonds,loans,currenciesandcommodities,orlinkedtospecificeventslikechangesintheweatherorinterestrates.(Bloomberg,27-Feb-07)HYPERLINK\l"書(shū)"返回目錄〖分析評(píng)論〗【保險(xiǎn)業(yè)市場(chǎng)規(guī)范需要?jiǎng)傂约s束】從保監(jiān)會(huì)剛剛公布的去年行政處罰數(shù)據(jù)來(lái)看，市場(chǎng)規(guī)范仍然是保險(xiǎn)業(yè)面臨的一個(gè)突出問(wèn)題。如果這個(gè)問(wèn)題得不到很好地解決，整個(gè)行業(yè)的健康發(fā)展也就無(wú)從談起。隨著競(jìng)爭(zhēng)的加劇，整個(gè)保險(xiǎn)市場(chǎng)已經(jīng)進(jìn)入到了“高成長(zhǎng)”和“高成本”并存的微利時(shí)代。在這種大背景下，保險(xiǎn)企業(yè)提高盈利能力并保持可持續(xù)發(fā)展的必由之路只能是理性經(jīng)營(yíng)和規(guī)范發(fā)展，并在此基礎(chǔ)上拓寬業(yè)務(wù)領(lǐng)域、創(chuàng)新產(chǎn)品和銷(xiāo)售模式、加強(qiáng)管理、提高服務(wù)水平和提升品牌形象，只有這樣，才能在未來(lái)的競(jìng)爭(zhēng)中占據(jù)上游地位。但通過(guò)各地保監(jiān)局2006年的現(xiàn)場(chǎng)檢查結(jié)果可以看出，由于一些保險(xiǎn)機(jī)構(gòu)和從業(yè)人員依法合規(guī)意識(shí)不強(qiáng)，加之企業(yè)自身內(nèi)控薄弱，整個(gè)市場(chǎng)的發(fā)展秩序和我們的良好發(fā)展愿望還有相當(dāng)大的差距。尤其值得注意的是，規(guī)范意識(shí)不強(qiáng)，法制觀念淡漠，體現(xiàn)在一些身負(fù)重大責(zé)任的高管人員身上，竟然是片面強(qiáng)調(diào)目前在市場(chǎng)環(huán)境還沒(méi)有根本好轉(zhuǎn)、公平良性競(jìng)爭(zhēng)秩序還沒(méi)有建立的情況下，自身的違規(guī)行為都是“被逼無(wú)奈”，“誰(shuí)先規(guī)范誰(shuí)吃虧”。不過(guò)，相信違規(guī)行為的后果誰(shuí)都明白，不僅會(huì)嚴(yán)重影響市場(chǎng)的正常秩序，出現(xiàn)“劣幣驅(qū)逐良幣”的現(xiàn)象，而且會(huì)給機(jī)構(gòu)和個(gè)人帶來(lái)監(jiān)管風(fēng)險(xiǎn)，造成“跑冒滴漏”嚴(yán)重，導(dǎo)致企業(yè)經(jīng)營(yíng)效益嚴(yán)重“縮水”，最終影響整個(gè)行業(yè)的健康發(fā)展和社會(huì)形象。有關(guān)專(zhuān)家認(rèn)為，由于我國(guó)保險(xiǎn)業(yè)仍處于發(fā)展的初級(jí)階段，因此，惡性競(jìng)爭(zhēng)和違規(guī)經(jīng)營(yíng)等非理性行為仍將繼續(xù)，在總體供給加大的背景下，不排除在局部地區(qū)和領(lǐng)域甚至有愈演愈烈的可能。但從總體趨勢(shì)看，隨著一些剛性約束因素的不斷增多，價(jià)值經(jīng)營(yíng)將逐步成為市場(chǎng)的主流意識(shí)，規(guī)范經(jīng)營(yíng)將成為經(jīng)營(yíng)管理者的自覺(jué)行動(dòng)，市場(chǎng)主體也將在彷徨與徘徊中逐步回歸理性。而在這些約束因素中間，除了資本市場(chǎng)對(duì)上市保險(xiǎn)企業(yè)所帶來(lái)的直接壓力以外，在制度層面，以財(cái)險(xiǎn)業(yè)為例，2006年保監(jiān)會(huì)下發(fā)了《關(guān)于加強(qiáng)財(cái)產(chǎn)保險(xiǎn)公司內(nèi)控建設(shè)，提高內(nèi)控執(zhí)行力有關(guān)問(wèn)題的通知》等30多個(gè)市場(chǎng)規(guī)范性文件，對(duì)規(guī)范財(cái)險(xiǎn)公司的經(jīng)營(yíng)行為提出了明確和具體的要求，并形成了一定程度的剛性約束，這將有力地促進(jìn)保險(xiǎn)公司的理性經(jīng)營(yíng)。同時(shí)，2007年新的《企業(yè)會(huì)計(jì)準(zhǔn)則》和《保險(xiǎn)公司非壽險(xiǎn)業(yè)務(wù)準(zhǔn)備金管理辦法(試行)》以及《實(shí)施細(xì)則》的實(shí)施，將促使財(cái)險(xiǎn)公司的經(jīng)營(yíng)更加規(guī)范。特別是“從2007年1月1日起，各公司只按《試行辦法》和《實(shí)施細(xì)則》規(guī)定的標(biāo)準(zhǔn)計(jì)提責(zé)任準(zhǔn)備金”的規(guī)定，將結(jié)束準(zhǔn)備金提取的“雙軌制”模式，強(qiáng)化對(duì)經(jīng)營(yíng)管理者的監(jiān)督和制約，有效發(fā)揮退出機(jī)制的作用。更為關(guān)鍵的是，從去年以來(lái)，監(jiān)管部門(mén)進(jìn)一步加大了整頓規(guī)范市場(chǎng)秩序和處罰違法違規(guī)行為的力度，對(duì)整個(gè)市場(chǎng)環(huán)境的改善奠定了良好的基礎(chǔ)。在今年的全保會(huì)上，保監(jiān)會(huì)主席吳定富再次強(qiáng)調(diào)，必須把防范化解風(fēng)險(xiǎn)作為保險(xiǎn)工作的重中之重，并提出了2007年以“五管”為重點(diǎn)的監(jiān)管工作方針，而“五管”之一就是要加強(qiáng)對(duì)市場(chǎng)行為的監(jiān)管。據(jù)了解，今年保監(jiān)會(huì)將繼續(xù)加大檢查力度，組織各地保監(jiān)局對(duì)重點(diǎn)公司和重點(diǎn)地區(qū)進(jìn)行檢查，交強(qiáng)險(xiǎn)重點(diǎn)查處費(fèi)率、手續(xù)費(fèi)和理賠三個(gè)環(huán)節(jié)；商業(yè)車(chē)險(xiǎn)重點(diǎn)查處手續(xù)費(fèi)、退費(fèi)、理賠和應(yīng)收保費(fèi)四個(gè)環(huán)節(jié)；非車(chē)險(xiǎn)重點(diǎn)查處純風(fēng)險(xiǎn)損失率表執(zhí)行、危險(xiǎn)單位劃分、再保安排的落實(shí)情況和違規(guī)共保行為操作四個(gè)環(huán)節(jié)。并在此基礎(chǔ)上將加強(qiáng)費(fèi)用管理和查處展業(yè)“貼費(fèi)”作為規(guī)范經(jīng)營(yíng)和市場(chǎng)檢查的重點(diǎn)。同時(shí)，還將嚴(yán)肅處理違規(guī)行為，對(duì)于違規(guī)行為和責(zé)任人依法采取各種行政處罰措施，對(duì)于責(zé)任人的處罰將納入高管人員系統(tǒng)管理，形成“一處違規(guī)，處處制約”的局面。業(yè)內(nèi)人士指出，在強(qiáng)化外部監(jiān)管的同時(shí)，進(jìn)一步強(qiáng)化企業(yè)的自主管理能力同樣是關(guān)鍵所在。這就要求在監(jiān)管部門(mén)的檢查督促下，保險(xiǎn)機(jī)構(gòu)繼續(xù)完善治理結(jié)構(gòu)，加強(qiáng)內(nèi)控制度，提高內(nèi)部執(zhí)行力，從IT系統(tǒng)管控、內(nèi)部考核激勵(lì)機(jī)制和內(nèi)部稽核三個(gè)環(huán)節(jié)著手，促進(jìn)自身內(nèi)控機(jī)制的有效發(fā)揮。只有保險(xiǎn)企業(yè)內(nèi)控執(zhí)行力的內(nèi)因和監(jiān)管的外因共同作用，規(guī)范市場(chǎng)秩序才能標(biāo)本兼治。中國(guó)保險(xiǎn)報(bào)2007/02/28HYPERLINK\l"書(shū)"返回目錄【入世后保險(xiǎn)公司資本結(jié)構(gòu)的選擇】保險(xiǎn)業(yè)是關(guān)系國(guó)家金融安全的重要行業(yè)，我們?cè)谖胀赓Y加強(qiáng)資金實(shí)力、優(yōu)化資本結(jié)構(gòu)的同時(shí)還要警惕對(duì)外資不能過(guò)分依賴(lài)，應(yīng)嚴(yán)格按照中國(guó)保監(jiān)會(huì)等監(jiān)管部門(mén)的有關(guān)規(guī)定實(shí)施融資行為。在中國(guó)保險(xiǎn)業(yè)對(duì)外開(kāi)放過(guò)程中，堅(jiān)持“走出去”和“引進(jìn)來(lái)”相結(jié)合，中國(guó)人壽、中國(guó)人保、平安等中資保險(xiǎn)公司開(kāi)始走向國(guó)際資本市場(chǎng)，并且在境外籌集資本，優(yōu)化資本機(jī)構(gòu)。隨著保險(xiǎn)市場(chǎng)擴(kuò)大對(duì)外開(kāi)放，中資保險(xiǎn)公司的海外融資和投資取得了重大發(fā)展。但是，應(yīng)該如何鑒別我國(guó)保險(xiǎn)公司利用外資的最佳程度，并進(jìn)行基本的判斷呢？筆者認(rèn)為，可以從保險(xiǎn)公司的資本結(jié)構(gòu)入手進(jìn)行分析。簡(jiǎn)單地講，資本結(jié)構(gòu)是指權(quán)益和負(fù)債的配比關(guān)系。按照中國(guó)保監(jiān)會(huì)統(tǒng)計(jì)信息部副主任裴光博士的劃分：保險(xiǎn)公司權(quán)益性資本是指保險(xiǎn)公司發(fā)行的普通股、優(yōu)先股和保險(xiǎn)公司積累的資本公積金、未分配利潤(rùn)和資本準(zhǔn)備金；長(zhǎng)期債務(wù)資本主要是指保險(xiǎn)公司發(fā)行的次級(jí)債和票據(jù)等。當(dāng)前，我國(guó)保險(xiǎn)公司資本結(jié)構(gòu)中探討較多的主要是股票和次級(jí)債。對(duì)比這兩種融資方式可以發(fā)現(xiàn)，股票融資優(yōu)點(diǎn)在于不用還本和股息支付靈活；缺點(diǎn)在于當(dāng)保險(xiǎn)公司在成熟資本市場(chǎng)上運(yùn)用股票融資時(shí)，各種信用評(píng)級(jí)機(jī)構(gòu)會(huì)根據(jù)其股票表現(xiàn)和股息支付情況對(duì)其進(jìn)行信用等級(jí)的調(diào)整，進(jìn)而影響其后續(xù)融資行為。而發(fā)行債券的融資方式則剛好相反