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浙商保險的11億僑興債保險索賠最後都誰來兜底?

浙商保險的11億僑興債保險索賠最後都誰來兜底?

僑興債對浙商保險股東的影響?

凈資產半年減少5.7億元

沸沸揚揚的僑興債風波已過去大半年,浙商保險成兜底人,無奈含淚先行賠付。據悉,2016年年底的第一二期預賠付約3億元,今年1月份的第三至第七期的預賠付約8億元,合計達到了11億元。

而對股東的影響?最直觀的莫過於凈資產了。2016年三季度末,浙商保險的凈資產有12.8億元;而2017年一季度末,凈資產縮減至7.1億元。

「僑興債」驚天一炸,股東凈虧5.7億!

含淚增資15億

股權結構不變

近日,浙商保險舉行2017年第二次臨時股東大會,同意對公司進行增資擴股,註冊資本金從15億元增加到30億元,增資金額15億元。

而本次增資的方式,是向原股東發行股份的方式實施,增資后股權結構不變,各股東增資額從3.825億元到4500萬不等。

增資的原因,可能是償付能力以及現金流壓力。據悉,浙商保險一季度末核心償付能力充足率降至98%,而2016年三季度末的核心償付能力充足率為198%。

保監大大已出徵求意見稿

信保業務監管規定已在路上

受此事件警醒,監管部門預規範信用保證保險業務,6月19日,保監會發布《信用保證保險業務監管暫行辦法(徵求意見稿)》。

經營信保業務的保險公司,上一季度核心償付能力充足率應當不低於75%,且綜合償付能力充足率不低於150%。

而總自留責任餘額不得超過上一季度末凈資產的10倍;單筆自留責任餘額不得超過上一季度末凈資產的5%,且不得超過5億元。

且不得為主體信用評級AA及以下的債券發行業務提供信保業務。

不過經歷過僑興債事件,大多數保險公司已經對此類業務避而遠之了,這對非車險業務的發展並不利好。

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