保監局和金管局聯合查察保費融資業務
保險業監管局與香港金融管理局發佈聯合通函,列出兩間監管機構對長期業務保險公司和持牌保險中介人(包括銀行)就保費融資業務進行聯合查察的主要結果,而這是兩間監管機構首度進行這類行動。
在經歷一段長時間的低息環境後,投保人越來越被保費融資作爲財富和流動資金管理的工具所吸引。爲確保投保人清楚知悉各種相關風險,保監局和金管局在2020年下半年進行聯合查察,以識別行業現行的作業模式和須予改善之處。
保監局行政總監張雲正稱,保費融資涉及槓桿借貸和利率上升帶來的風險,極有可能在保單產生的非保證收益低於預期時導致回報減低甚至錄得虧損。投保人的利益必須獲得充分保障。
金管局總裁餘偉文表示,今次保費融資聯合查察展示了金管局與保監局在處理跨行業保險議題上的協作和承擔。兩間監管機構將繼續緊密合作,監察市場發展並提升業界操守標準,以加強保障投保人及銀行客戶的利益。
基於聯合查察的結果,保監局和金管局將聯絡業界及相關持份者,釐清長期業務保險公司和持牌保險中介人在進行保費融資活動時理應達到的標準。
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