中國保監會打擊奇葩保險產品

Chinese people will no longer be able to take out cover against acne, sleep deprivation or smog after regulators banned insurance products deemed "attention-grabbing", "speculative" and "stunt".

在監管機構已叫停被視爲“奪人眼球”、“投機性”和“噱頭性”的保險產品後，國人將不能再爲痤瘡、睡眠不足或霧霾投保。

Although regulators have previously attempted to end smog insurance, the new regulations issued by the China Insurance Regulatory Commission cover a broader set of products.

儘管監管機構此前曾試圖叫停霧霾險，但中國保監會頒佈的新規覆蓋了更廣泛的產品系列。

They include those "where the insured event will not result in any loss to the customer", "products with no real content, where the purpose of the product is for creating marketing hype" and universal insurance products.

這些產品包括：“保險事故不會造成被保險人實際損失的保險產品、無實質內容、以製造營銷噱頭爲目的的產品”和萬能險產品。

The regulations are part of a broader crackdown on non-traditional products.

新規是對非傳統產品進行更大範圍打擊的一部分。

Last month, the Central Economic Work Conference made managing financial risk and preventing asset bubbles a priority for 2017.

12月，中央經濟工作會議將管理金融風險和防止資產泡沫列爲2017年的工作重點。

"The whole regulatory framework has become tighter and more active," said Zhou Hao, analyst at Commerzbank in Singapore. "Liu Shiyu's speech marked a new direction for the CIRC."

“整個監管框架已變得更緊、更活躍，”德國商業銀行駐新加坡的分析師周浩表示。“保監會主席的講話標誌着監管機構的一個新方向。”