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保監局歡迎兩項保險業修訂條例草案刊憲 以鞏固香港區域保險樞紐地位
兩項《2020年保險業（修訂）條例草案》於2020年3月20日刊憲，保監局表示歡迎並將配合立法會審議。前者為發行保險相連證券提供簡化規管框架，後者為直接規管跨國保險集團的保險控權公司提供法律基礎。保監局現時擔任友邦保險、富衛和英國保誠的集團監督者。
#股市金融
#股市金融
Today2items保監局·新聞稿AI score5353
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財政司司長網誌AI score5656 財政司司長網誌：以1200億元紓困及100%擔保貸款撐企業保就業
財政司司長在網誌指環球疫情與油價急跌觸發動盪，本港最新失業率將攀升至約九年來最高。100%擔保特惠低息貸款擬本周二提交立法會，每宗上限200萬港元、年利率為最優惠利率減2.5%，預算案一次性措施規模達1200億元。
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保監局·新聞稿AI score5959 保監局公布2019年香港保險業臨時統計數字 毛保費總額達$5,802億
保監局公布2019年香港保險業臨時統計數字，毛保費總額達$5,802億，較2018年上升9.1%。長期業務保費收入總額$5,246億，上升9.7%；一般保險業務毛保費$557億，上升3.9%。內地訪客新造保單保費為$434億，下跌8.8%，佔個人業務總額25.2%。
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財政司司長網誌PicksAI score7474 財政司司長：環球經濟面臨嚴峻考驗 一萬元派現擬七月初接受申請
財政司司長在網誌指疫情打擊環球經濟，OECD將今年環球經濟增長預測下調0.5個百分點至2.4%。預算案1200億元逆周期措施包括向年滿十八歲香港永久居民每人派發一萬元，目前時間表為七月初接受申請、暑假期間派發現金。申請截止日期為明年12月31日。
Why read this: 網誌交代了每人一萬元現金派發計劃的申請與發放時間表，並列出OECD與IMF下調的全球增長預測數字供讀者核對。
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保監局·新聞稿AI score3030 「亞洲保險論壇2019」今天舉行 為保險業探索新出路
保監局於2019年12月10日舉辦第二屆亞洲保險論壇，主題為「連繫與創新—提升競爭力及帶動普及化」，吸引約500名本地及海外代表參加。行政長官林鄭月娥致辭時指出，大灣區人口達7,100萬、生產總值達1.6萬億美元，為保險業帶來極大發展空間。論壇專題討論涵蓋「一帶一路」倡議、大灣區建設、保險科技發展及監管制度等課題。
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財政司司長網誌AI score4848 財政司司長網誌：阿里巴巴來港第二上市 標誌香港股票市場進入新階段
阿里巴巴在港作第二上市，集資額約900億港元，成為本港歷來第三大的新股集資活動，令今年以來新股集資總額達2,800億元。至今已有三家「同股不同權」科網企業及十一家生物科技公司在港掛牌，合共市值超過五萬一千億港元，佔港股總市值14%。目前港股總市值已升至36萬億港元。
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保監局·新聞稿AI score2727 亞洲保險論壇2019聚焦新興市場機遇和保險科技發展
保監局將於2019年12月10日舉行第二屆亞洲保險論壇，主題為「連繫與創新—提升競爭力及帶動普及化」。講者包括中國銀行保險監督管理委員會首席律師劉福壽、國際保險監督官協會秘書長Jonathan Dixon及財政司司長陳茂波，論壇當日設有網上現場直播。
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財政司司長網誌AI score3535 財政司司長網誌：攻守兼備 全力奮進 談金融安全與大灣區金融合作
財政司司長在網誌談香港金融安全及大灣區金融合作，指恒生指數五月底約26 900點，上星期收市報27 651點，港元匯率穩定、銀行體系流動性充裕。粵港澳大灣區建設領導小組上週三第三次全體會議公布16項新措施，當中包括雙向跨境理財通。理財通將通過兩地銀行體系雙向實施，為香港資產管理及專業服務帶來商機。
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財政司司長網誌AI score4747 財政司司長網誌：停止暴亂 砥礪前行
統計處公布第三季本地生產總值按年負增長2.9%，本港經濟已步入技術性衰退。私人消費開支按年跌3.5%，貨品出口跌7%、服務輸出跌13.7%，首三季經濟收縮0.7%。財政司司長指全年增長0至1%的預測難免要再次下調。
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保監局·新聞稿AI score5757 保監局經快速通道授權首間非人壽虛擬保險公司
保監局宣布透過快速通道首次授權一間持有和使用全數碼分銷渠道的非人壽保險公司，其策略重點是透過特定數碼分銷渠道、不經中介人，為某些被忽略的消費群提供醫療和旅遊保險等產品。快速通道計劃於2017年9月推出，首個授權於2018年12月發出，獲授權的是一間人壽虛擬保險公司。
財政司司長網誌PicksAI score6464 Financial Secretary's blog discusses Prohibition on Face Covering Regulation and free flow of funds
Financial Secretary explained in his blog the considerations behind enacting the Prohibition on Face Covering Regulation, with the aim of deterring violent and unlawful acts, and stressed that Hong Kong will not impose foreign exchange controls and that funds can flow freely in and out. He listed foreign exchange reserves of over US$430 billion, fiscal reserves of over HK$1,140 billion, and the retail sales value in August plunging 23% year-on-year.
Why read this: The Secretary explains the reasons for enacting the Prohibition on Face Covering Regulation, and lists ratios of foreign exchange reserves, fiscal reserves and the banking system to address concerns over whether the free movement of funds will be restricted.
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保監局·新聞稿PicksAI score6666 保監局公布2018年香港保險業務統計 毛保費總額達$5,145億
保監局公布2018年香港保險業務統計數字，年內毛保費總額達$5,145億，較2017年上升5.2%。長期業務保單保費為$4,614億（上升4.7%），個人人壽業務佔市場總額92.4%。一般保險毛保費為$531億（上升10%），承保由2017年虧損$8.27億轉為錄得利潤$5.83億。
Why read this: 數據覆蓋長期與一般業務並列出按年比較，可核對毛保費總額及各主要險種的增幅。
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保監局·新聞稿AI score5858 保監局呼籲留意偽冒保泰人壽的欺詐網站
保監局呼籲市民留意網址 http://www.zzgeter888.com/ 的欺詐網站，該站偽冒保泰人壽保險有限公司，保泰已確認與其無關。事件已轉交香港警務處調查，曾提供個人資料者可致電保泰3008-8123或警方2860-2929。
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保監局·新聞稿AI score3030 保監局論壇探討「一帶一路」項目的風險轉移及項目融資
保監局於2019年9月11日「一帶一路高峰論壇」舉辦專題分組論壇，探討「一帶一路」項目的風險轉移及項目融資。執行董事（一般業務）林瑞江指，保險是連接風險轉移和項目融資的重要工具，香港可為國有企業提供專業風險管理服務。保監局設立的「一帶一路」保險交流促進平台現有39名成員。
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保監局·新聞稿PicksAI score6262 保監局公布2019年上半年香港保險業臨時統計數字
保監局公布2019年上半年香港保險業毛保費總額達$2,958億，較去年同期上升16.6%。長期有效業務保費收入$2,653億，上升17.5%，一般保險業務毛保費$305億，上升9.4%。內地訪客新造保單保費$263億，上升17.9%，佔個人業務總新造保單保費的26.4%。
Why read this: 這份臨時統計分項列出長期與一般業務的保費收入和承保表現，並附內地訪客新造保單佔比，可用來核對各項與去年同期的變化。
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財政司司長網誌AI score4141 財政司司長網誌籲市民與暴力割席 共渡時艱
財政司司長在網誌呼籲市民暫且放下矛盾、與暴力割席，一起共渡時艱。他指近期暴力衝擊令零售、餐飲及交通運輸等行業收入顯著下跌，已有22個國家對香港發出旅遊警示。他又指金管局已澄清網絡上關於金融市場的惡意造謠，香港金融體系各環節運作暢順和有秩序，風險可控。
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保監局·新聞稿PicksAI score6262 保監局公布持牌保險中介人適當人選準則及持續專業培訓指引諮詢總結
保監局就持牌保險中介人「適當人選」準則及持續專業培訓指引發表諮詢總結，新持牌人士須於香港中學文憑試五科達到2級或以上（包括中文或英文及數學）。持續專業培訓時數由每年10小時增至15小時，兩份指引於2019年9月23日生效，新增時數要求於2021年8月1日生效。
Why read this: 諮詢總結列出新持牌人士的最低學歷門檻、每年培訓時數及兩項生效日期，可據此判斷新要求何時適用。
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財政司司長網誌AI score3030 財政司司長盧森堡出席亞投行理事會年會
財政司司長在盧森堡出席亞洲基礎設施投資銀行理事會年會，認為香港銳意發展基建融資、綠色金融及金融科技是走對了方向。金管局轄下的基建融資促進辦公室經過三年努力匯聚90多個夥伴、舉行20場會議研討會和工作坊，去年在港發行的綠色債券總額達110億美元。盧森堡金融科技之家的初創企業準備今年十一月組團到香港參加金融科技週。
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財政司司長網誌AI score2929 財政司司長隨筆：破格思維推動金融發展
財政司司長撰文指特區政府上任兩年來以破格思維推動金融發展並強化市場監管，兩方面均取得實質進展。去年香港改革上市制度、推出「轉數快」、批出八個虛擬銀行牌照，IPO集資金額再度全球第一。財務行動特別組織本月在美國奧蘭多通過對香港的審核，香港成為亞太區第一個成功通過審核的地區。
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保監局·新聞稿PicksAI score6060 保監局發表向持牌保險中介人施加罰款指引諮詢總結
保監局就《保險業條例》（第41章）下《有關向受規管人士行使施加罰款權力的指引》發表諮詢總結，指引將在憲報刊登，並於新保險中介人法定規管制度在2019年9月23日實施時生效。指引建議罰款應有效、相稱而公平，公眾諮詢於2018年10月26日至12月27日進行，回應者普遍歡迎引入統一罰款標準。
Why read this: 諮詢期與生效日期都寫明，可核對新罰款制度何時落地、回應者主要反應為何。
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財政司司長網誌AI score4848 財政司司長網誌從人才談起：香港金融學院週三舉行成立典禮
財政司司長在網誌表示，由金管局牽頭的香港金融學院將於週三（6月26日）舉行成立典禮，功能包括培育金融業領袖人才及擔任貨幣與金融研究的知識庫。截至2018年12月底，已有約10,000名銀行從業員取得專業資歷架構認可基準；保險業人才培訓先導計劃修讀人數超過4,000人。
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財政司司長網誌PicksAI score6868 財政司司長：暫緩逃犯移交草案審議 金融及樓市市場運作穩健
政府宣布暫緩逃犯移交草案修訂的審議工作，財政司司長撰文指將在不設時限的基礎上繼續與各界溝通及聽取意見。網誌列出港元一個月期同業拆息曾比6月初高出60個基點達2.6%、港元匯率由7.84兌1美元升至7.81，並指證券及期貨市場運作暢順有序。
Why read this: 網誌逐一列出港元拆息、匯價、銀行流動性及賣地情況的具體數字，可核對社會氣氛緊張期間金融與樓市的實際表現。
保監局·新聞稿PicksAI score6161 Insurance Authority releases provisional statistics for Hong Kong insurance industry in first quarter of 2019
The Insurance Authority released provisional statistics for Hong Kong's insurance industry in the first quarter of 2019, with gross premiums totalling $148.8 billion during the period, up 12.3% from the same period last year. Premium income from long-term in-force business was $132.2 billion, up 13%, while gross premiums for general insurance were $16.6 billion, up 7%, and overall underwriting swung from a loss of $166 million to a profit of $44 million. Premiums from new policies taken out by mainland visitors were $12.8 billion, up 7.9%, accounting for 26.4% of total new policy premiums for individual business.
Why read this: Gross premiums totalled $148.8 billion in the first quarter, up 12.3% year on year, with breakdown figures for long-term, general insurance and new policies from mainland visitors listed for readers to check item by item.
保監局·新聞稿PicksAI score6868 Insurance Authority to replace three self-regulatory organisations from 23 September 2019 and directly regulate insurance intermediaries
The Insurance Authority will replace three self-regulatory organisations from 23 September 2019 and comprehensively regulate insurance intermediaries in Hong Kong, including licensing approval, inspections and investigations, and disciplinary sanctions. Two sets of rules are planned to take effect on the same day, subject to the progress of scrutiny by the Legislative Council. Intermediaries with valid registrations immediately before the effective date will be treated as licensed persons for three years; unresolved cases will be handled under the pre-handover rules, and new requirements will not apply retrospectively.
Why read this: The announcement sets out transitional arrangements: insurance intermediaries registered with the three self-regulatory organisations will be treated as licensed persons for three years, allowing readers to check whether they are affected.
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財政司司長網誌AI score4040 綠色金融 國際合作
金管局與世界銀行集團成員國際金融公司（IFC）簽署《諒解備忘錄》，計劃於2020年初在香港合辦第六屆「氣候商業論壇」。去年在港安排和發行的綠色債券集資總額達110億美元，為2017年的三倍多。金管局將於本周二（5月7日）舉辦綠色金融論壇。
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財政司司長網誌AI score3030 財政司司長：金融安全、行穩致遠
財政司司長在網誌談香港金融安全，指港股市值超過34萬億港元、相當GDP的11.6倍，銀行資產總值近24萬億港元、相當GDP的8.9倍，金融體系規模遠超經濟規模。銀行、證券及保險業分別由金管局、證監會及保監局監管，保監局正草擬網絡安全業界指引，將於今年年底推出。司長強調政府要在「促進者」和「監管者」兩個角色間取得平衡，管控系統性風險。
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財政司司長網誌AI score5353 財政司司長：金管局批出三個虛擬銀行牌照 標誌銀行業新里程
金管局上星期批出三個虛擬銀行牌照，財政司司長指這標誌香港銀行業踏入更多元化、更先進的新里程。按金管局要求，虛擬銀行不可設最低戶口結餘要求或徵收低戶口結餘收費，已獲發牌機構的服務預期在6至9個月內推出，金管局將繼續審批餘下五家申請。
保監局·新聞稿PicksAI score6464 Insurance Authority welcomes proposed insurance measures in the Outline Development Plan for the Guangdong-Hong Kong-Macao Greater Bay Area
The Insurance Authority welcomes the proposed measures concerning the insurance sector in the Outline Development Plan for the Guangdong-Hong Kong-Macao Greater Bay Area, announced by the State Council on 18 February 2019, including promoting cross-boundary renminbi reinsurance business, supporting the joint development of cross-boundary motor and healthcare insurance products, exploring the establishment of an international marine insurance product trading platform, and facilitating cross-boundary underwriting, survey and claims handling. Chairman Dr Joseph Chan said the measures could deepen cooperation among the insurance sectors of Guangdong, Hong Kong and Macao, and that the Insurance Authority would communicate and discuss implementation with mainland ministries, commissions and the industry.
Why read this: This press release sets out a number of proposed measures for the insurance sector under the Outline Plan, and explains that the Insurance Authority will discuss implementation arrangements with mainland ministries and commissions, allowing readers to grasp the policy direction.
保監局·新聞稿PicksAI score6161 Insurance Authority releases provisional statistics for Hong Kong insurance industry in first three quarters of 2018
The Insurance Authority released provisional statistics for Hong Kong's insurance industry in the first three quarters of 2018, with total gross premiums reaching $388.3 billion, up 6.9% year on year. New policy premiums from mainland visitors were $34.1 billion, down 15.8%, accounting for 28.3% of total new policy premiums for individual business. Gross premiums for general insurance were $40.5 billion, up 7.1%, while underwriting swung from a loss of $193 million to a profit of $87 million.
Why read this: The article lists specific figures for gross premiums in the first three quarters, long-term business and new premiums from mainland visitors, along with year-on-year changes, allowing verification of overall growth and the performance of individual segments.
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財政司司長網誌AI score2121 財政司司長網誌回顧港人參與改革開放四十年崢嶸歲月
財政司司長在網誌回顧國家改革開放四十年，指逾二百名港澳代表上周初在北京出席紀念活動。他指2006年任香港會計師公會會長時，公會與中國註冊會計師協會簽訂協議，推動兩地會計準則趨同。網誌並以1993年首家國企在港上市及2014年滬港通，說明香港的示範與互聯互通作用。
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保監局·新聞稿AI score5656 保監局就向持牌中介人施加罰款的建議指引展開兩個月公眾諮詢
保監局就《保險業條例》（第41章）下向受規管人士施加罰款的建議指引展開為期兩個月的公眾諮詢，公眾可於2018年12月27日或之前提交意見。指引訂明罰款應有效、相稱而公平，並把行為性質與嚴重性、紀律處分及合規紀錄、財政資源列為考慮因素。保監局預計2019年中實施新的保險中介人規管制度，指引將於開始規管保險中介人時生效。
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財政司司長網誌AI score2626 財政司司長巴新之行 出席亞太經合組織財長會議
財政司司長上星期首次踏足巴布亞新幾內亞，在莫爾斯比港出席亞太經合組織財政部長會議。亞洲開發銀行估計，由現時到2030年整個亞太地區每年需投資高達一萬七千億美元於各類基建。香港已設基建融資促進辦公室等多項工作，並正探索基建融資證券化方向。
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財政司司長網誌AI score4848 財政司司長網誌：風雲變幻
財政司司長在網誌指出環球股市顯著波動，恒生指數過去三星期累積跌幅已超過百分之七，中美貿易磨擦及美國加息令經濟前景添上陰霾。國基會調低今明兩年全球經濟增長預測至3.7%，中國同期則料增長6.6%及6.2%。香港要做好風險管理、撐企業、保就業，並將就明年的財政預算案展開諮詢。
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財政司司長網誌AI score4242 加息在即 小心風險
財政司司長提醒，美國聯儲局今星期議息預期加息，本港銀行跟隨上調最優惠利率機會極高，將是2006年來首次，市民須做好風險管理。中美貿易戰溢出效應須警惕，本港受影響轉口貨值只佔出口總值3.5%。未來三至四年一手住宅潛在供應約93,000伙，樓市下行風險不能忽視。
保監局·新聞稿PicksAI score6363 Insurance Authority releases provisional statistics for Hong Kong insurance industry in first half of 2018
The Insurance Authority released provisional statistics for Hong Kong's insurance industry in the first half of 2018. Gross premiums totalled $253.7 billion during the period, up 7.2% from the same period last year. Premium income from long-term in-force business was $225.8 billion, up 6.9%, while gross premiums from general insurance business were $27.9 billion, up 9.6%. New policy premiums from mainland visitors were $22.3 billion, down 26.6%, accounting for 26.6% of total new policy premiums from individual business.
Why read this: New policy premiums from mainland visitors fell 26.6% year on year, with about 95% being medical or protection-type products, allowing comparison with changes in the structure of visitor demand.
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財政司司長網誌PicksAI score6060 財政司司長網誌維持全年經濟增長3至4%預測
財政司司長在網誌宣布在這一輪經濟預測覆檢維持今年3至4%的增長預測不變。本港第二季經濟按年增長3.5%，較首季4.6%放緩，但仍連續第七個季度高於過去十年平均2.7%的趨勢增長率。下半年主要不明朗因素為國際貿易磨擦及美國加息步伐。
Why read this: 文章對比首季4.6%與第二季3.5%的增速差異，並列出家庭負債佔GDP約七成、銀行資本充足率逾百分之十九等可核對數字。
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財政司司長網誌AI score5757 財政司司長網誌評估中美貿易摩擦對香港經濟及金融風險的影響
財政司司長在網誌評估中美貿易摩擦對香港的衝擊，指美國對華加徵關稅範圍擬由五百億美元增至五千億美元，貿易及物流業首當其衝。他列出香港銀行體系流動性覆蓋率達百分之一百五十、平均資本充足率逾百分之十九、外匯儲備4,300多億美元，以說明金融體系的抗震能力。
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財政司司長網誌AI score3030 財政司司長網誌：準確定位 乘勢而上 談香港金融發展機遇
財政司司長網誌指香港須認清大局、準確定位，以協作共贏取代零和思維，並列出「一帶一路」基建融資、粵港澳大灣區財富管理、上市制度修訂等七方面金融發展機遇。網誌提到《財政預算案》宣布1000億元綠色債券發行計劃及「綠色債券資助計劃」，加上稅務優惠，可吸引內地和海外企業來港發債。
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財政司司長網誌AI score4949 財政司司長網誌：金融服務發展的新時代
財政司司長在網誌指，新興及創新產業公司上市制度明天生效並開始接受申請，將提升香港證券市場的闊度和深度。他亦在預算案推出1000億元政府綠色債券發行計劃，另設「綠色債券資助計劃」，在港發行五億港元或以上綠色債券可獲全數資助認證評審費用，上限八十萬元。
財政司司長網誌PicksAI score7171 Financial Secretary's blog post on HKD touching 7.85 weak-side convertibility undertaking, urging public not to worry too much
Financial Secretary said in his blog that the HKD touched the 7.85 weak-side convertibility undertaking last Thursday, with the Hong Kong Monetary Authority intervening four times to buy about HK$9.66 billion, marking its first market intervention since the Linked Exchange Rate System was refined in 2005. He explained that the four-step process of capital outflows leading to a stable exchange rate is normal operation by design, and noted that the Hong Kong Monetary Authority holds about US$130 billion in assets, while banks' liquidity coverage ratio is close to 150%.
Why read this: The blog lists figures such as the amount absorbed by the Hong Kong Monetary Authority through market intervention and banks' liquidity coverage ratio, allowing readers to check whether the buffers supporting the Linked Exchange Rate System are sufficient.