香港保险界议员陈沛良:境外保单征税传闻与CRS执行有关,暂未见正式文件

智通财经
Aug 07
【香港保险界议员陈沛良:境外保单征税传闻与CRS执行有关,暂未见正式文件】针对近日”内地对境外保单收益征收20%个人所得税”的传闻,香港立法会保险界议员陈沛良回复第一财经查询时表示,有关讨论主要与税务”共同申报准则”及个人境外收入申报安排有关,截至目前尚未收到有关部门发布的正式政策文件或执行细节,相关信息均来自新闻报道。陈沛良指出,中国居民就境外投资收益依法申报及缴税的要求一直存在,覆盖所有境外投资收益,并非专门针对保险产品。近期由于内地部分区域开始实际执行相关准则,才引发市场热议。在他看来,即使未来税务安排有所调整,短期或对香港保险业构成影响,长远对业界未必是坏事。CRS深化落实叠加资金跨境管理透明化,未来或催生更规范的闭环式资金渠道——资金出境投保,到期后有序回流。他同时提到香港保单的收益空间:目前香港储蓄型保险收益水平约6%至6.5%,内地同类产品约3%,即使扣除税付,香港保单仍有接近两个百分点的净收益优势,相信不会大幅削减内地访客来港投保的意愿。他认为香港保险产品设计灵活、可多元货币配置,在财富传承与规划上仍具竞争力。陈沛良还表示,暂无需在立法会就此提出质询。

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