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The author:(作者)aaapublished in(发表于) 2014/8/14 8:18:06 Pilot full moon no specific cases aged with housing， insurance companies lukewarm
Our reporter Wang Xiaohui in Beijing reported
Dream didn't shine into reality, "the aged with housing" market response is not satisfactory.
On July 1, Beijing, Shanghai, Guangzhou and Wuhan to start four seniors housing reverse mortgage endowment insurance (that is, in old-age insurance) pilot work has been full term, but there is no insurance company launched on the market in pension products, and complete product development and reporting "the aged with housing" programme's insurance business, and happy life.
"The pilot met with cold as was expected, because ' the aged with housing ' is an example of niche products, plus has not introduced specific rules for the operation of housing evaluation, markets are in a State of wait-and-see. "August 12, some big insurance companies of professionals said in an interview with the China Times reporter Cui Peng.
Subsequently, telephone interview with a happy life-related staff was informed that the product is in the reporting period, thus temporarily unable to undertake substantive action, saying that "the aged with housing" pilot as yet no specific cases.
Lukewarm response of insurance companies
Early in 2003, happiness life of Chairman Meng Xiaosu on began is committed to promotion "to room pension", while, Meng Xiaosu also has been tries to persuaded each big insurance enterprises participation which, but insurance company especially large insurance enterprises have said this fresh released of products is "cannot bear of light", coupled with mainland at of financial regulatory system will mixed industry operating considered area, this thing will has been in shelved State. Until 2010, "the aged with housing" concepts recognized by the law, combined with the population aging and more serious, the situation finally changed.
November 2013 late, CIRC finally for "to room pension" held has internal Conference, was controversy has 10 years of "to room pension" finally official rose to national strategy level, but participation subject group of only happiness life, and peace, and Taikang, and Xinhua, and collection all, and zhonghong, 7 home small and medium insurance company, zhihou of several months, said prepared submitted products programme of only left happiness, and peace, and Taikang and collection all 4 home insurance enterprises, now again see, really of submitted programme of is only happiness life unaccompanied a.
"First, according to pilot of related provides view, products of scale too small has, service of crowd also does not more, even according to China business scale maximum of insurance enterprises to calculation, 4 a pilot city plus up up also on service 5,000 a elderly, small insurance enterprises of market share on more less has, so insurance enterprises participation of enthusiasm not high; second, real estate assessment, specific operation rules has been no introduced, and no too more of experience can reference, so insurance enterprises are compared caution; last, In recent years, insurance companies face substantial surrender and maturity benefit policy, don't have an easy time, neglect such a niche product. "Cui Peng concluded.
According to press reports, due to the nearly two-year investment performance is not satisfactory, plus Bank launched a competitive financial products, there has been a lot of unearned client surrender.
In view of this, fallout risks and Enterprise plus "the aged with housing" lack of attractive, market response are to be expected. Reporters learned that the market level in addition to the insurance companies reacted coolly, but elderly products were mostly laugh it off, many would rather choose to rent social security for the elderly than the House is mortgaged to the Bank or insurance company.
Sending positive signals
Pilot full moon while cold, but the fact is, either forward or reverse voice, seem to have no effect, "the aged with housing" stumbles forward to move.
"I prefer ' retirement with House ' in this way, provided that the money the insurance company gave me rent is much higher than would be gained from property rental. However, since the housing market not stabilizing, Outlook difficult to predict, and therefore insurance companies cannot do insurance actuary, will not be able to guarantee payment of so much of my money, and this uncertainty not only increases the risk to insurance companies, also influenced my choice of this product. "August 12, Centre for social policy studies, Chinese Academy of social sciences-General Tang Jun told the journalist stressed in an interview with the China Times, to make" the aged with housing "has become feasible and workable social policy, it must have two conditions, one is the housing for the elderly must be free by any of them, the second is housing market prices are stable and sustainable.
And for the first urban real estate because there are a lot of different types of housing, such as public rental housing, such owner has the right to live but cannot implement free, at the same time, rural house elderly persons have no right has been placed in a forgotten corner. However, on August 10, the Ministry of land and resources announced five doors to further speed up the homestead and collective construction land use right is the right of registration notification of certification work, clear land and collective-owned construction land property registration card included in the process of implementing the unified registration system of real estate, and stressed the need for the establishment of property rights foundation for a unified urban and rural construction land market.
And this is also considered "the aged with housing" a positive signal in the process.
"The registration of real estate is a stock of rural real estate, estate distribution will have to be more transparent, beneficial for the ' retirement with House ' advance, but registration was only originally part of real estate is the right process, farmers still have no right to dispose of and mortgage the Homestead, which also involves several steps. "Cui Peng stressed that the farmers ' houses are not valuable, valuable land.
Even so, in promoting "the aged with housing" can appear in the difficult process of a signal, to test the waters of insurance companies has also been regarded as a "Big Dipper" look.
"For now, the ' retirement with House ' greatest risk is insurance companies. "Tang Jun stressed that housing mortgages pensions should be higher than the market rent, but in China's case, decades after what House would say, plus 70 property restrictions, insurance companies are clearly at risk the largest party.
In this regard, the mengxiaosu always hope that the Government will enact policies to reduce taxes related to insurance institutions, meanwhile, to long life policy-holders in government subsidy mechanism to resolve the so-called "longevity risk" and so on, however, to commercial insurance act has always been a controversial topic.
However, the reporter was informed that the pilot full moon even though there is no specific cases, but advice related matters before a pilot for the elderly has increased a lot, of which most are childless families and "lost single family" man, and that some elderly people account for about 10% of the proportion of the aged.
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