The insurance giant 14 with assets of 2 billion went bankrupt in September. How to ensure the rights and interests of users?

Insurance is closely related to our life. With the development of the times, more and more people realize the importance of insurance, and more and more people buy insurance for themselves or their families. After all, no one can predict the accident, and insurance at least gave us an economic guarantee after the accident. Buying an insurance is the guarantee of life!

In China, banks and insurance companies rarely go bankrupt. In August, Baoshang Bank filed for bankruptcy, which I introduced in the last article (on August 6th, 2020, the third bank in the history of China went bankrupt. What about the depositors' money after bankruptcy? ), but recently Anbang Insurance also issued a bankruptcy announcement. Today I will introduce the bankruptcy of this insurance company and the follow-up treatment of the insured!

On September 4, 2020/KLOC-0, a heated news exploded the insurance circle. Anbang Insurance Group announced that Anbang Insurance Group Co., Ltd. held a general meeting of shareholders and decided to dissolve the company and set up a liquidation group. Next, the company will apply to China Banking Regulatory Commission for dissolution according to law, and organize liquidation in time after obtaining relevant administrative permission. At this point, an insurance giant with assets exceeding 2 trillion yuan has thus withdrawn from the historical stage.

The "predecessor" of Anbang Insurance Group is Anbang Property Insurance, which was established in 2004. Its legal entity includes Shanghai Automobile Group.

Since 2005, Anbang Property Insurance has been selling auto insurance in SAIC's 4S stores, and the premium income in that year exceeded 654.38 billion yuan.

In 2008, Anbang Property Insurance, which was established only four years ago, became the first enterprise in China to be allowed to conduct telemarketing in all provinces of the country at the same time.

20 10, anbang life insurance was established with a registered capital of 3.79 billion yuan. In the same year, Anbang acquired Ruifu Health Insurance Co., Ltd. and changed its name to "Harmonious Health Insurance Co., Ltd.".

At this point, Anbang Department has owned many licenses such as property insurance, life insurance and health insurance, and the rudiment of Anbang Insurance Financial Group has basically taken shape.

20 1 1, the CIRC approved the reorganization of Anbang Property Insurance into a group. On June 65438+February 3 1 of the same year, Xin anbang property insurance was established with a registered capital of 37 billion yuan. 20 12, anbang insurance group co., ltd was established.

In fact, friends who have known Anbang Insurance will know that this insurance company had problems on 20 18;

2065438+On February 23rd, 2008, the former China Insurance Regulatory Commission issued an announcement. In view of the fact that the business activities of Anbang Group violate the provisions of the Insurance Law and may seriously endanger the solvency of the company, it is decided to take over Anbang Group for a period of one year according to the provisions of Article 144 of the Insurance Law. At the same time, Wu Xiaohui, the former chairman of Anbang, was also prosecuted according to law for alleged economic crimes.

On February 22nd, 20 19, the CBRC indicated that in order to consolidate the achievements and actively promote the normal operation of Anbang Group, according to Article 146 of the Insurance Law, the CBRC decided to extend the takeover period of Anbang Group for one year.

On September 4, 2020, the bankruptcy liquidation announcement was officially issued.

Such a large insurance institution involves tens of millions of users in Qian Qian. If the users in the insurance industry are backed by the' parent company' of China Banking and Insurance Regulatory Commission, our rights and interests will be guaranteed.

In fact, since the China Banking Regulatory Commission took over on 20 18, it has been promoting the risk disposal work in an orderly manner according to law, and with the joint efforts and support of relevant parties, all the work has been successfully completed.

The landmark achievement is the establishment of Everyone Insurance Group. 2065438+July 2009, China Banking Regulatory Commission approved China Insurance Guarantee Fund Co., Ltd., sinopec group and Shanghai Automotive Industry (Group) Corporation to jointly establish a new insurance entity-Renren Insurance Group with a registered capital of 20.36 billion yuan.

After the establishment of Renren Insurance Group, it began to manage and reorganize the business of Anbang Insurance, and carried out business transformation, and achieved remarkable results.

Renren Insurance Group acquired the equity of Anbang Life Insurance, Anbang Pension, Anbang Asset Management and some insurance businesses, assets and liabilities of Anbang Property Insurance according to law. Anbang Life Insurance, Anbang Pension, Anbang Asset Management and Anbang Property Insurance were renamed as Everyone Life Insurance, Everyone Pension, Everyone Asset Management and Everyone Property Insurance respectively.

Regarding the wealth management products of Anbang Insurance, the person in charge of the relevant departments of the China Banking Regulatory Commission said that during the takeover period, the short-term and medium-term wealth management insurance of up to/kloc-0.5 trillion yuan issued by Anbang Group before the takeover had been paid in full, and no overdue or default events occurred. Basically completed the disposal of non-core financial licenses such as Century Securities, Bangyin Golden Rent and Harmony Health, and Chengdu Rural Commercial Bank has also been listed.

This is the annual claim report issued by PICC 2065 438+09. PICC was officially unveiled on July 20 19/day, but the claim report of 1 9 has such a large amount of data. I believe everyone knows what is going on.

The bankruptcy of Anbang Insurance Group has little impact on consumers. Generally speaking, it means that Anbang Insurance Group is bankrupt. However, the state has newly established the Everyone Insurance Group to take over this proposal, and users should receive the same protection. The insurance policy owned by the user continues to take effect, the content of protection remains unchanged, and the contract continues to be implemented.

Anbang jumped out at this time and said that it would dissolve the liquidation because all the things that need to be handled have been handled. What is needed now is a clean end, which will put an end to this historical event.

So the most difficult stage of the whole incident has actually passed, and it has just ended. For consumers, China Banking and Insurance Regulatory Commission has solved their concerns.

What do you think of insurance companies? Do you think the handling by CBRC is reasonable? Welcome everyone to express their opinions in the comment area and let's communicate together.