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- 重磅！銀保監會“三定”方案公布：9個内設機(jī)構被合并 内設機(jī)構“26+1”司局級幹部107人(rén)
在銀保監會挂牌後7個月，該機(jī)構的“三定”方案終于正式公布。
11月13日(rì)，中國機(jī)構編制網公告了《中國銀行保險監督管理(lǐ)委員(yuán)會職能配置、内設機(jī)構和人(rén)員(yuán)編制規定》（簡稱“三定”方案）。
根據“三定”方案，銀保監會有26個内設部門(mén)，另設機(jī)關黨委（黨委宣傳部）。記者梳理(lǐ)，有些部門(mén)系原有部門(mén)保留，有些部門(mén)系新增，有些部門(mén)系原有部門(mén)保留并合并，有些部門(mén)則系原有部門(mén)分(fēn)拆後整合。原有的部分(fēn)部門(mén)也在機(jī)構改革中被撤銷。
銀保監會機(jī)關事(shì)業編制925名。設主席1名，副主席4名，司局級領導職數107名（含機(jī)關黨委專職副書(shū)記1名，機(jī)關紀委書(shū)記1名，首 席風(fēng)險官、首 席檢查官、首 席律師(shī)和首 席會計(jì)師(shī)各1名）。
詳解内設機(jī)構
根據“三定”方案，銀保監會有26個内設部門(mén)，另設機(jī)關黨委（黨委宣傳部）：
銀保監會系統的人(rén)士也表示，對于人(rén)員(yuán)的安置和分(fēn)流上，此前有動議(yì)通過會管單位承接收等方式解決一部分(fēn)，後來(lái)并沒有大(dà)規模實施，主要是考慮回避制度。也有部分(fēn)局級幹部通過自(zì)主選擇的方式，到了滿足回避要求的金融機(jī)構。
今年(nián)3月，官方宣布銀監會和保監會合并，組建新的銀保監會。經曆8個月的調整，中央編辦于11月13日(rì)正式公布了銀保監會的職能配置、内設機(jī)構和人(rén)員(yuán)編制方案，即“三定”方案。
根據“三定”方案，銀保監會爲國務院正部級直屬事(shì)業單位。其職責包括15項，主要對全國銀行業和保險業實行統一監督管理(lǐ)。此外，還(hái)包括制定小額貸款公司、融資性擔保公司、典當行、融資租賃公司、商業保理(lǐ)公司、地方資産管理(lǐ)公司等其他(tā)類型機(jī)構的經營規則和監管規則。制定網絡借貸信息中介機(jī)構業務活動的監管制度。
在内設機(jī)構設置上，銀保監會确定内設26個職能部門(mén)和1個機(jī)關黨委。人(rén)員(yuán)編制上，銀保監會機(jī)關事(shì)業編制925名：其中，設主席1名，副主席4名，司局級領導職數107名，含機(jī)關黨委專職副書(shū)記1名，機(jī)關紀委書(shū)記1名，**風(fēng)險官、**檢查官、**律師(shī)和**會計(jì)師(shī)各1名。
有銀保監會系統人(rén)士向21世紀經濟報道記者表示，“今年(nián)8月份"三定"方案就(jiù)已經下發了，會機(jī)關的調整以及人(rén)員(yuán)安排已經基本到位了。”
保留107名司局級幹部
根據*新下發的“三定”方案，銀保監會内設部門(mén)中，按機(jī)構屬性進行功能監管的部門(mén)有政策銀行部、大(dà)型銀行部、股份制銀行部、城(chéng)市銀行部、農村金融部、信托部、普惠金融部、創新部、非銀部、财産保險部、人(rén)身(shēn)保險部、保險中介監管部、保險資金運用監管部等。
其他(tā)的中後台部門(mén)，因爲職責和功能類似，進行了合并。此前，原銀監會共有24個内設實職部門(mén)，原保監會則有15個内設實職部門(mén)。在整合後的27個部門(mén)中，既有新設，也有合并，亦有撤銷，而獲保留的則占多數。
根據21世紀經濟報道記者梳理(lǐ)，其中9個内設機(jī)構被合并，包括辦公廳（黨委辦公室）、政策研究局、法規部、統計(jì)信息與風(fēng)險監測部、财務會計(jì)部（償付能力監管部）、消費者權益保護局、國際合作與外資機(jī)構監管部（港澳台辦公室）、人(rén)事(shì)部（黨委組織部）、機(jī)關黨委（宣傳部）。
3個新設機(jī)構，分(fēn)别是公司治理(lǐ)監管部、非銀行機(jī)構檢查局、重大(dà)風(fēng)險事(shì)件(jiàn)與案件(jiàn)處置局（銀行業與保險業安全保衛局）。其中公司治理(lǐ)監管部主要負責“拟訂銀行業和保險業機(jī)構公司治理(lǐ)監管規則。協調開展股權管理(lǐ)和公司治理(lǐ)的功能監管。指導銀行業和保險業機(jī)構開展加強股權管理(lǐ)、規範股東行爲和健全法人(rén)治理(lǐ)結構的相(xiàng)關工(gōng)作”。重大(dà)風(fēng)險事(shì)件(jiàn)與案件(jiàn)處置局，将拟訂銀行業和保險業機(jī)構違法違規案件(jiàn)調查規則。組織協調銀行業和保險業重大(dà)、跨區域風(fēng)險事(shì)件(jiàn)和違法違規案件(jiàn)的調查處理(lǐ)等。
有銀行業人(rén)士向21世紀經濟報道記者表示：“兩部委合并，職能部門(mén)必然面臨大(dà)幅壓縮，會機(jī)關機(jī)構的設置能看(kàn)出監管的力量并沒有削弱，壓縮的多是中後台部門(mén)。”
在編制大(dà)爲壓縮的情況下，局級幹部的安排是一個難點。“三定”方案确定的銀保監會司局級領導職數107名，其中還(hái)包括了機(jī)關黨委專職副書(shū)記1名，機(jī)關紀委書(shū)記1名，首 席風(fēng)險官、首 席檢查官、首 席律師(shī)和首 席會計(jì)師(shī)等4名。
銀保監會系統的人(rén)士也表示，對于人(rén)員(yuán)的安置和分(fēn)流上，此前有動議(yì)通過會管單位承接收等方式解決一部分(fēn)，後來(lái)并沒有大(dà)規模實施，主要是考慮回避制度。也有部分(fēn)局級幹部通過自(zì)主選擇的方式，到了滿足回避要求的金融機(jī)構。
分(fēn)支機(jī)構“三定”方案另出
在中央編辦11月13日(rì)公布的“三定”方案中，暫時不包括地方的安排。該方案中也明确“銀保監會派出機(jī)構、所屬事(shì)業單位的設置、職責和編制事(shì)項另行規定”。
10月18日(rì)，21世紀經濟報道也報道，銀保監會已于當天宣布了36個銀保監局籌備組的負責人(rén)。目前，銀保監會分(fēn)支機(jī)構的合并正在緊鑼密鼓的籌備中，而且未來(lái)分(fēn)支機(jī)構将進一步延伸至縣級。
在銀保監會近期的招考信息中也表示，銀保監會全系統在全國設有省、市、縣三級派出機(jī)構。2019年(nián)銀保監會系統計(jì)劃招錄1214人(rén)。其中，省級派出機(jī)構327人(rén)，地市級派出機(jī)構543人(rén)，縣級派出機(jī)構344人(rén)。
此前，銀保監會的分(fēn)支機(jī)構一般隻設置到地市級，縣級的監管還(hái)處于空白(bái)狀況。但(dàn)是央行在縣級設有支行，有消息稱，不排除将央行縣級支行的部分(fēn)人(rén)員(yuán)和職能劃歸銀保監系統，但(dàn)具體(tǐ)還(hái)需要地方的“三定”方案明确。
近日(rì)，全國各省市的地方金融監管架構也在進行改革。據不完全統計(jì)，目前已有北京、上海、深圳、山(shān)東、河北、河南(nán)、吉林、山(shān)西、福建、重慶、廣東、甘肅、江西、湖南(nán)、遼甯、四川等十幾個省市的地方金融辦升格爲“金融監督管理(lǐ)局”，承擔地方金融監管職責。
有地方銀保監系統的人(rén)士向21世紀經濟報道記者坦言：“今年(nián)P2P風(fēng)險等集中暴露，也凸顯了地方金融監管和中央金融監管體(tǐ)系銜接中的問(wèn)題。下一步應該會對人(rén)民(mín)銀行、銀保監局派出機(jī)構以及地方金融監管局的職能和權責進行更加明确的劃分(fēn)。”（轉自(zì)搜狐财經）
From :businessinsuranceU.S. commercial property/casualty rates rose 5% on average in the fourth quarter of 2019, up from 4% in the third quarter, reflecting insurers’ intent to continue to increase prices across most lines, online insurance exchange MarketScout Corp. said Monday.“Auto rate increases have been up all year long; however D&O (directors & officers) and professional rate increases have spiked significantly in the fourth quarter,” Richard Kerr, CEO of MarketScout Corp. said in a statement.Insurers are carefully analyzing their property exposures using catastrophe modeling tools, he said. “We expect many of the major property catastrophe insurers to curtail their 2020 writings in California brush and East and Gulf Coast wind areas. Naturally, this will result in higher rates to insureds,” Mr. Kerr said.D&O liability rates increased by 8.25%, while commercial auto increased 8% in the quarter, and professional liability rates were up 6%, and umbrella/excess rates were up 5.5%, according to MarketScout.Commercial property rates increased 5.25% in the quarter, and business interruption rates were up 5%, while all other lines showed smaller increases, except for workers compensation, where rates fell 1%, MarketScout said.By industry class, transportation and habitational saw the highest average rate increases at 9% and 8.25% respectively, MarketScout said.Large accounts – those with $250,001 to $1 million in premium – saw a rate hike of 5.5% in the fourth quarter, as did jumbo accounts, which have more than $1 million in premium. Small accounts – those with up to $25,000 in premium – were up 5%, while medium accounts – those with $25,001 to $250,000 in premium – were up 4.5%.The “steady trend” of upward rates reflects insurers’ plans to continue increasing prices across all lines except for workers compensation, MarketScout said.Organizer：China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
From :insurancejournalIt was a relatively quiet year for the Southeast in terms of major catastrophes compared with 2018 when Hurricane’s Michael and Florence caused major damage in the region. This year, Hurricane Dorian sideswiped the Southeast coast and made landfall on the Outer Banks of North Carolina but most of the area was spared. Still, Aon said economic damage in the U.S. and Canada was poised to approach a combined $1.5 billion.Florida spent the year recovering from Hurricane Michael, which was upgraded to a Category 5 storm by NOAA in April. Florida officials have repeatedly called on the insurance industry to speed up the recovery process, with nearly 12% of claims still open a year after the storm hit.Organizer：China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
From:businessinsuranceeinsurance renewals at Jan. 1, 2020, mainly saw single-digit increases, with some exceptions, according to reports by reinsurance brokers released Thursday.Willis Re, the reinsurance brokerage of Willis Towers Watson PLC, and Guy Carpenter & Co. LLC, a unit of Marsh & McLennan Cos. Inc. both reported that year-end reinsurance renewals varied by account and region, but the retrocessional reinsurance was under pressure.Rates on line for property catastrophe reinsurance programs remained stable and property per risk pricing was driven by individual program performance, the Willis report said.Although some Lloyd’s of London syndicates took firm positions on rate increases and the London market authorized capacity decreased, that capactiy was replaced by new capital and a strong supply from other markets, Willis Re said.U.S. loss-free accounts renewed at flat to up 10% while those with losses saw increases of 10% to 50%, the Willis Re report said, which was among the largest increases. Property catastrophe accounts without losses renewed at flat to up 5%, while loss hit accounts were up 10% to 20%, Willis Re said.According to the Guy Carpenter report, the brokerage’s global property catastrophe rate on line index rose 5% in 2019.According to the Willis Re report, other large increases were seen in Central and Eastern Europe, where property programs with losses saw increases of 5% to 20%, and Canada, where such accounts renewed up 10% to 40%.Most other regions and countries saw property increases in the single or low double digits, the report said.The Jan. 1 renewals saw some “difficult” negotiations, according to a letter in the report from James Kent, global CEO, Willis Re.The Guy Carpenter report said the reinsurance market was “asymmetrical,” adding “this is certainly not a one-size-fits-all market” and while overall capacity remained adequate, “allocated capacity tightened notably in stressed classes.”Dedicated reinsurance capital rose 2% in 2019 and the year saw approximately $60 billion in global insured catastrophe losses, according to Guy Carpenter, which was significantly lower than 2017 and 2018.Alternative capital, however, contracted by approximately 7% percent “as investors were more cautious with new investments after assessing market dynamics and pricing adequacy,” Guy Carpenter said.The retrocession market “was challenged … by trapped capital, a lack of new capital and continued redemptions from third-party capital providers,” a statement issued with the Guy Carpenter report said.However, significant retrocession providers returned to the market in the past two weeks, Willis Re said.Organizer：China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
Major information technology companies in India are running the risk of termination of their $1 billion contracts following Boeing Co.’s decision to halt the production of its 737 Max jets, MoneyControl reported citing the Business Standard. Companies like Tata Consultancy Services Ltd., Infosys Ltd., HCL Technologies Ltd., Cyient Ltd. and L&T Technology Services Ltd. have outsourcing contracts with Boeing or its suppliers and Boeing’s jet crisis is expected to affect these IT companies in the short run.From:businessinsuranceOrganizer：China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
France-based eyewear maker Essilor International S.A. has discovered fraudulent activities at one of its factories in Thailand that could cause €190 million ($213 million) in financial losses to the company, The Irish Times reported citing Reuters. The company has filed complaints in Thailand and has fired all the involved employees. It hopes to recover the losses from frozen bank accounts, insurance and lawsuits.Organizer：China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
