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当前位置:首页 -> 12级英语阅读 - > 宝能董事长姚振华被禁入保险业10年
宝能董事长姚振华被禁入保险业10年
添加时间:2017-02-28 17:14:11 浏览次数: 作者:未知
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  • China’s fourth-richest man has been banned from the country’s insurance industry for 10 years, in the most aggressive move yet by regulators to tame borrowing and hostile corporate1 takeovers by insurers.

    中国第四大富豪被禁入保险业10年,这是监管机构在惩戒保险商借款和发起敌意收购方面迄今最严厉的举措。

    Yao Zhenhua, chairman of financial conglomerate2 Baoneng Group, last year launched a high-profile raid on China Vanke, the country’s largest residential3 developer. He acquired a stake worth 25 per cent, prompting Vanke’s chairman to label Baoneng “barbarians4”.

    身为金融综合企业宝能集团(Baoneng Group)董事长的姚振华,去年对中国最大的住宅房地产开发商万科(China Vanke)发起了高调的突袭行动。他收购了万科25%的股份,促使万科董事长给宝能贴上“野蛮人”的标签。

    Much of the funding for Baoneng’s Vanke stake and other investments came from policies sold by its life insurance unit, Foresea Life Insurance, which Mr Yao also chairs.

    宝能买下万科股票的大部分资金以及其他投资,均来自其寿险部门前海人寿(Foresea Life Insurance)出售的保单。姚振华也是前海人寿的董事长。

    Foresea quickly scaled the premium5 rankings of China’s life insurance industry by selling so-called “universal insurance” products, which are essentially6 wealth management vehicles with a small protection component7.

    通过出售所谓的“万能险”产品——本质上是带有较小的保障成分的理财工具——前海人寿在中国寿险行业的保费收入排行榜上迅速攀升。

    Investors8 flocked to the products, which are mostly distributed through banks, drawn9 to their high yields and short maturities10.

    受高收益和短期限吸引,投资者蜂拥购买这些主要通过银行分销的产品。

    Insurers are able to offer higher yields than those available on comparable vehicles from banks and other fund managers because they have the freedom to invest in a wider range of assets. Anbang Insurance Group has also relied on sales of universal insurance products to fund a high-profile global shopping spree.

    由于保险商可以在更广泛的资产类别中进行投资,因此它们可以提供比银行和其他基金管理公司的类似理财产品更高的收益率。安邦保险集团(Anbang Insurance Group)也依靠出售万能险产品,为其在全球高调的收购活动提供资金。

    But analysts11 have warned against the strategy. Such products essentially force insurers to seek out risky12, high-yielding assets in order to meet future payouts. Analysts are also concerned by a liquidity13 risk when short-duration products are matched to long-term, illiquid assets such as real estate14 or large equity15 stakes.

    但分析师对该策略提出了警告。此类产品实际上迫使保险商为了满足未来兑付而寻找高风险、高收益的资产。流动性风险——当短期产品与房地产或大笔股份等期限长、流动性低的资产搭配时——也引发了分析师的担忧。

    In banning Mr Yao from the industry for 10 years, the China Insurance Regulatory Commission announced that Foresea had “provided false data” and “used insurance funds against regulations” without providing specifics.

    在禁止姚振华入保险业10年的同时,中国保险监督管理委员会(CIRC)宣布前海人寿“提供虚假资料”和“违规运用保险资金”,但并未提供具体细节。

    Rarely seen in public, Mr Yao was China’s fourth richest man in 2016 with a fortune of $17bn, up more than ninefold from a year earlier, according to the Hurun Report. Local media say he started as a vegetable seller before making his first fortune as a property developer in the freewheeling city of Shenzhen in the 1990s.

    胡润百富榜(Hurun Report)数据显示,很少在公开场合露面的姚振华,在2016年中国富豪排行榜上排名第四,身价达到170亿美元,是一年前的9倍多。国内媒体称,他最初以卖菜起家,然后在20世纪90年代自由放任的深圳市成为房地产开发商,赚到了他的第一桶金。

    Before the latest punishment, the CIRC had already signalled an intention to crack down on such practices. At a press conference on Wednesday, CIRC chairman Xiang Junbo said the agency “will never allow the insurance industry to be turned into a rich boys’ club” or become a “sanctuary16 of large financial crocodiles”. Mr Xiang previously17 warned that insurers cannot be “ATM machines” for corporate raiders.

    在出台最新处罚之前,中国保监会已发出要打击这种做法的信号。在上周三的新闻发布会上,中国保监会主席项俊波表示,保监会“绝不能允许把保险办成富豪俱乐部”,“更不容许保险被金融大鳄借道藏身”。项俊波警告称,决不能让保险企业成为企业掠夺者的“提款机” 。

    Mr Xiang also promised on Wednesday to curb18 “aggressive” pricing and “unreasonably19” high returns on some insurance products. He said insurers should not interfere20 with the management of listed companies. Instead, the industry should focus on its core function of providing risk protection.

    上周三,项俊波还做出承诺,保监会还将遏止部分保险产品的“激进”定价和“不合理”高回报。项俊波说,保险公司不应干预上市公司的管理层。相反,保险业应当关注其风险保障的核心功能。

    In December, CIRC banned Foresea from selling universal life products stemming from an inspection21 team’s findings. Evergrande Life Insurance, a unit of property developer China Evergrande Group, was also temporarily banned from buying stock after the securities regulator labelled leverage-fuelled stock purchasers as “robbers”.

    去年12月,在一个检查组得出结论之后,中国保监会禁止前海人寿销售万能险产品。在中国证监会主席把一些实施杠杆化收购的企业称为“强盗”后,房地产开发商中国恒大集团(China Evergrande Group)旗下的恒大人寿(Evergrande Life Insurance)也被暂时禁止投资股票。

    Anbang and another insurer, Shenzhen-based Funde Sino Life Insurance, were also subject to inspection. They have not been punished. An Anbang spokesman denied that the CIRC sent inspectors22 to Anbang last May.

    安邦和另一家总部设在深圳的保险企业富德生命人寿(Funde Sino Life Insurance)也是检查对象。它们没有受到惩罚。安邦发言人否认中国保监会去年5月向该公司派驻了检查人员。

    Foresea did not immediately respond to a request for comment late on Friday.

    前海人寿没有立即回复上周五晚些时候记者的置评请求。

     12级    英语新闻 


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    1 corporate [ˈkɔ:pərət] 7olzl   第7级
    adj.共同的,全体的;公司的,企业的
    参考例句:
    • This is our corporate responsibility. 这是我们共同的责任。
    • His corporate's life will be as short as a rabbit's tail. 他的公司的寿命是兔子尾巴长不了。
    2 conglomerate [kənˈglɒmərət] spBz6   第9级
    n.综合商社,多元化集团公司
    参考例句:
    • The firm has been taken over by an American conglomerate. 该公司已被美国一企业集团接管。
    • An American conglomerate holds a major share in the company. 一家美国的大联合企业持有该公司的大部分股份。
    3 residential [ˌrezɪˈdenʃl] kkrzY3   第7级
    adj.提供住宿的;居住的;住宅的
    参考例句:
    • The mayor inspected the residential section of the city. 市长视察了该市的住宅区。
    • The residential blocks were integrated with the rest of the college. 住宿区与学院其他部分结合在了一起。
    4 barbarians [bɑ:'beərɪənz] c52160827c97a5d2143268a1299b1903   第9级
    n.野蛮人( barbarian的名词复数 );外国人;粗野的人;无教养的人
    参考例句:
    • The ancient city of Rome fell under the iron hooves of the barbarians. 古罗马城在蛮族的铁蹄下沦陷了。 来自《简明英汉词典》
    • It conquered its conquerors, the barbarians. 它战胜了征服者——蛮族。 来自英汉非文学 - 历史
    5 premium [ˈpri:miəm] EPSxX   第7级
    n.加付款;赠品;adj.高级的;售价高的
    参考例句:
    • You have to pay a premium for express delivery. 寄快递你得付额外费用。
    • Fresh water was at a premium after the reservoir was contaminated. 在水库被污染之后,清水便因稀而贵了。
    6 essentially [ɪˈsenʃəli] nntxw   第8级
    adv.本质上,实质上,基本上
    参考例句:
    • Really great men are essentially modest. 真正的伟人大都很谦虚。
    • She is an essentially selfish person. 她本质上是个自私自利的人。
    7 component [kəmˈpəʊnənt] epSzv   第7级
    n.组成部分,成分,元件;adj.组成的,合成的
    参考例句:
    • Each component is carefully checked before assembly. 每个零件在装配前都经过仔细检查。
    • Blade and handle are the component parts of a knife. 刀身和刀柄是一把刀的组成部分。
    8 investors [ɪn'vestəz] dffc64354445b947454450e472276b99   第8级
    n.投资者,出资者( investor的名词复数 )
    参考例句:
    • a con man who bilked investors out of millions of dollars 诈取投资者几百万元的骗子
    • a cash bonanza for investors 投资者的赚钱机会
    9 drawn [drɔ:n] MuXzIi   第11级
    v.(draw的过去式)拖,拉,拔出;adj.憔悴的,紧张的
    参考例句:
    • All the characters in the story are drawn from life. 故事中的所有人物都取材于生活。
    • Her gaze was drawn irresistibly to the scene outside. 她的目光禁不住被外面的风景所吸引。
    10 maturities [] d851a9b545796e02deeef998c66789c0   第7级
    n.成熟(maturity的复数形式)
    参考例句:
    • Maturities of commercial paper range from three days to nine months. 商业票据的期限从3天到9个月不等。 来自互联网
    • German federal government bonds issued with maturities of up to 30 years. 指期限可长达30年的德国联邦政府债券。 来自互联网
    11 analysts ['ænəlɪsts] 167ff30c5034ca70abe2d60a6e760448   第9级
    分析家,化验员( analyst的名词复数 )
    参考例句:
    • City analysts forecast huge profits this year. 伦敦金融分析家预测今年的利润非常丰厚。
    • I was impressed by the high calibre of the researchers and analysts. 研究人员和分析人员的高素质给我留下了深刻印象。
    12 risky [ˈrɪski] IXVxe   第8级
    adj.有风险的,冒险的
    参考例句:
    • It may be risky but we will chance it anyhow. 这可能有危险,但我们无论如何要冒一冒险。
    • He is well aware how risky this investment is. 他心里对这项投资的风险十分清楚。
    13 liquidity [lɪˈkwɪdəti] VRXzb   第11级
    n.流动性,偿债能力,流动资产
    参考例句:
    • The bank has progressively increased its liquidity. 银行逐渐地增加其流动资产。
    • The demand and the supply of credit is closely linked to changes in liquidity. 信用的供求和流动资金的变化有密切关系。
    14 estate [ɪˈsteɪt] InSxv   第7级
    n.所有地,地产,庄园;住宅区;财产,资产
    参考例句:
    • My estate lies within a mile. 我的地产离那有一英里。
    • The great real estate brokers do far more than this. 而优秀的房地产经纪人做得可比这多得多。
    15 equity [ˈekwəti] ji8zp   第8级
    n.公正,公平,(无固定利息的)股票
    参考例句:
    • They shared the work of the house with equity. 他们公平地分担家务。
    • To capture his equity, Murphy must either sell or refinance. 要获得资产净值,墨菲必须出售或者重新融资。
    16 sanctuary [ˈsæŋktʃuəri] iCrzE   第9级
    n.圣所,圣堂,寺庙;禁猎区,保护区
    参考例句:
    • There was a sanctuary of political refugees behind the hospital. 医院后面有一个政治难民的避难所。
    • Most countries refuse to give sanctuary to people who hijack aeroplanes. 大多数国家拒绝对劫机者提供庇护。
    17 previously ['pri:vɪəslɪ] bkzzzC   第8级
    adv.以前,先前(地)
    参考例句:
    • The bicycle tyre blew out at a previously damaged point. 自行车胎在以前损坏过的地方又爆开了。
    • Let me digress for a moment and explain what had happened previously. 让我岔开一会儿,解释原先发生了什么。
    18 curb [kɜ:b] LmRyy   第7级
    n.场外证券市场,场外交易;vt.制止,抑制
    参考例句:
    • I could not curb my anger. 我按捺不住我的愤怒。
    • You must curb your daughter when you are in church. 你在教堂时必须管住你的女儿。
    19 unreasonably [ʌn'ri:znəblɪ] 7b139a7b80379aa34c95638d4a789e5f   第8级
    adv. 不合理地
    参考例句:
    • He was also petty, unreasonably querulous, and mean. 他还是个气量狭窄,无事生非,平庸刻薄的人。
    • Food in that restaurant is unreasonably priced. 那家饭店价格不公道。
    20 interfere [ˌɪntəˈfɪə(r)] b5lx0   第7级
    vi.(in)干涉,干预;(with)妨碍,打扰;vt.冲突;介入
    参考例句:
    • If we interfere, it may do more harm than good. 如果我们干预的话,可能弊多利少。
    • When others interfere in the affair, it always makes troubles. 别人一卷入这一事件,棘手的事情就来了。
    21 inspection [ɪnˈspekʃn] y6TxG   第8级
    n.检查,审查,检阅
    参考例句:
    • On random inspection the meat was found to be bad. 经抽查,发现肉变质了。
    • The soldiers lined up for their daily inspection by their officers. 士兵们列队接受军官的日常检阅。
    22 inspectors [ɪnˈspektəz] e7f2779d4a90787cc7432cd5c8b51897   第7级
    n.检查员( inspector的名词复数 );(英国公共汽车或火车上的)查票员;(警察)巡官;检阅官
    参考例句:
    • They got into the school in the guise of inspectors. 他们假装成视察员进了学校。 来自《简明英汉词典》
    • Inspectors checked that there was adequate ventilation. 检查员已检查过,通风良好。 来自《简明英汉词典》

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