中國保監(jiān)會(huì)打擊奇葩保險(xiǎn)產(chǎn)品

Chinese people will no longer be able to take out cover against acne, sleep deprivation or smog after regulators banned insurance products deemed “attention-grabbing”, “speculative” and “exotic”.

中國人將不再能夠?yàn)轲畀?、睡眠不足或霧霾投保，監(jiān)管機(jī)構(gòu)對(duì)一些被視為“奪人眼球”、“投機(jī)性”和“噱頭性”的保險(xiǎn)產(chǎn)品下達(dá)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(huì)(CIRC)頒布的保險(xiǎn)產(chǎn)品開發(fā)指引，是對(duì)非傳統(tǒng)產(chǎn)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(huì)對(duì)偏離核心業(yè)務(wù)模式(承保個(gè)人損失)的保險(xiǎn)商采取行動(dòng);這些保險(xiǎn)商銷售被稱為“萬能險(xiǎn)”的短期投資產(chǎn)品，銷售所得被用于為收購提供資金。保監(jiān)會(huì)主席項(xiàng)俊波警告保險(xiǎn)公司不要成為“野蠻人”和“強(qiáng)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(jīng)濟(jì)決策機(jī)構(gòu)——中央經(jīng)濟(jì)工作會(huì)議將管理金融風(fēng)險(xiǎn)和防止資產(chǎn)泡沫列為2017年工作重點(diǎn)。

“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(gè)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(huì)主席的講話標(biāo)志著監(jiān)管機(jī)構(gòu)的一個(gè)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(tái)也進(jìn)入了“噱頭性”保險(xiǎn)市場(chǎng)。騰訊(Tencent)支付寶的用戶可以購買“美廚娘關(guān)愛險(xiǎn)”，在被保人在置備食物時(shí)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(wù)平臺(tái)京東(JD.com)提供“意外懷孕”保險(xiǎn)計(jì)劃，可以報(bào)銷墮胎的一部分醫(yī)療費(fèi)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(chǎn)品包括“加班險(xiǎn)”(如果買家晚上9時(shí)后仍在辦公室就有錢賠)以及“美食家保險(xiǎn)”(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(chǎn)品有時(shí)被保險(xiǎn)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(jī)構(gòu)以前曾試圖叫停霧霾險(xiǎn)，但新規(guī)則覆蓋了更廣泛的產(chǎn)品系列，包括“約定的保險(xiǎn)事故不會(huì)造成被保險(xiǎn)人實(shí)際損失的保險(xiǎn)產(chǎn)品”(換句話說就是略加掩飾的賭博); “無實(shí)質(zhì)內(nèi)容意義、炒作概念的噱頭性產(chǎn)品”;以及萬能險(xiǎn)產(chǎn)品，此類產(chǎn)品通常結(jié)合人壽保險(xiǎn)與高回報(bào)投資(這種投資與被保險(xiǎn)的事件沒有關(guān)聯(lián))。