中国保监会打击奇葩保险产品
中国人将不再能够为痤疮、睡眠不足或雾霾投保，监管机构对一些被视为“夺人眼球”、“投机性”和“噱头性”的保险产品下达了禁令。
The regulations issued by the China Insurance Regulatory Commission are part of a broader crackdown on non-traditional products.
中国保监会(CIRC)颁布的保险产品开发指引，是对非传统产品展开的整体打击的一部分。
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，保监会对偏离核心业务模式(承保个人损失)的保险商采取行动;这些保险商销售被称为“万能险”的短期投资产品，销售所得被用于为收购提供资金。保监会主席项俊波警告保险公司不要成为“野蛮人”和“强盗”，利用杠杆收购形式咄咄逼人地收购企业。
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，中国最高经济决策机构——中央经济工作会议将管理金融风险和防止资产泡沫列为2017年工作重点。
“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.”
“整个监管框架已变得更紧、更活跃，”德国商业银行(Commerzbank)驻新加坡的分析师周浩表示。“保监会主席的讲话标志着监管机构的一个新方向。”
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.
中国各大金融科技平台也进入了“噱头性”保险市场。腾讯(Tencent)支付宝的用户可以购买“美厨娘关爱险”，在被保人在置备食物时被割伤或烧伤的情况下给付。
JD.com, China’s second-biggest ecommerce platform, offers an “unexpected pregnancy” plan that will partly cover medical fees for an abortion.
中国第二大电子商务平台京东(JD.com)提供“意外怀孕”保险计划，可以报销堕胎的一部分医疗费用。
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.
其他提供的产品包括“加班险”(如果买家晚上9时后仍在办公室就有钱赔)以及“美食家保险”(在消化不良的情况下给付)。
The products are sometimes used to promote the insurers, with attention-grabbing adverts intended to go viral.
此类产品有时被保险公司用于促销，它们配合抓人眼球的广告，旨在形成病毒式传播。
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.
尽管监管机构以前曾试图叫停雾霾险，但新规则覆盖了更广泛的产品系列，包括“约定的保险事故不会造成被保险人实际损失的保险产品”(换句话说就是略加掩饰的赌博); “无实质内容意义、炒作概念的噱头性产品”;以及万能险产品，此类产品通常结合人寿保险与高回报投资(这种投资与被保险的事件没有关联)。
