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What is the trading object of the insurance market?
The trading objects of the insurance market are all kinds of insurance guarantees and other insurance services provided by insurers in view of the risks faced by consumers, that is, all kinds of insurance commodities.

1. The insurance market is a direct risk market.

The object of insurance market transactions is to protect products, that is, to provide protection for all kinds of risks passed on by the insured to the insurer, so it is directly related to risks.

2. The insurance market is a non-instant settlement market.

The so-called real-time settlement market refers to a market where both the supply and demand sides can know the transaction results immediately once the market transaction is over. However, in insurance trading activities, due to the uncertainty of risk, insurance and luck, it is impossible for both parties to know the transaction result exactly, so they cannot settle the account immediately.

3. The insurance market is a special futures trading market.

Due to the luck of insurance, any transaction in the insurance market is the insurer's commitment to compensate the economic losses caused by future risk events. The insurance market can be understood as a special futures market.

Extended data

The CBRC issued the Measures for the Administration of Pilot Equity of Commercial Banks' Investment Insurance Companies, which clearly stipulated the institutional access conditions, application procedures, risk control, supervision and management of the pilot equity of commercial banks' investment insurance companies.

The "Measures" stipulate that insurance companies directly or indirectly hold other securities issued by commercial banks and their related parties, and shall not exceed 65,438+00% of the total securities issued; When underwriting securities, commercial banks and their controlling affiliates shall not sell more than 10% of the total underwriting amount.

The pilot scheme for commercial banks to invest in insurance companies needs to be approved by the regulatory authorities of the State Council. At present, commercial banks should choose existing insurance companies in principle, and a commercial bank can only invest in one insurance company.

The Measures set strict access conditions for commercial banks interested in taking shares in insurance companies. Commercial banks must have relatively perfect corporate governance structure, sound internal control and consolidated management system, effective risk management and sound business operation, and the capital adequacy ratio after deducting the proposed investment should meet the regulatory standards. At the same time, the board of directors of commercial banks should make it clear that a non-executive director is responsible for the supervision, management and review of firewalls and related transactions.

The Measures strictly strengthen the management of related party transactions, stipulating that insurance companies shall not directly or indirectly purchase subordinated bonds issued by bank shareholders, and the purchase of other securities shall not exceed the upper limit of 65,438+00%. Commercial banks may not provide credit to customers guaranteed by insurance companies and their affiliated enterprises.

Baidu encyclopedia-insurance market

People's Daily Online-CBRC: A bank can only invest in one insurance company.