人身险“报行合一”迎来了细化费用管理的配套政策。中国精算师协会近日发布《人身保险产品费用分摊指引》（下称《指引》）。根据《指引》，人身险业务经营费用将被分为变动费用和固定费用，后者需要被分摊，并明确指出四类费用不参与分摊。这让人身险业的费用管理进一步走向精细化，有助于引导负债成本改善。“我们认为，《指引》进一步细化了‘报行合一’在执行过程中的费用分摊问题，原则上遵循实质重于形式，为保险公司深化‘...
Source Link人身险“报行合一”迎来了细化费用管理的配套政策。中国精算师协会近日发布《人身保险产品费用分摊指引》（下称《指引》）。根据《指引》，人身险业务经营费用将被分为变动费用和固定费用，后者需要被分摊，并明确指出四类费用不参与分摊。这让人身险业的费用管理进一步走向精细化，有助于引导负债成本改善。“我们认为，《指引》进一步细化了‘报行合一’在执行过程中的费用分摊问题，原则上遵循实质重于形式，为保险公司深化‘...
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