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半个月前，保监会发布了《关于规范中短存续期产品有关事项的通知》。随着保监会这一纸禁令，目前各家保险公司一年以下的短期保险理财产品纷纷下架。
Half a month ago, China insurance regulatory Commission issued the relevant matters concerning the regulation of short duration products in law. Along with the China insurance regulatory Commission that ban, currently various insurance companies a year or less short-term insurance products have been pulled from the shelves.
据了解，所谓的中短存续期人身保险产品包括一部分万能险和少量的分红型、普通型保险。新规出台后，对以往热衷销售这类产品的中小险企影响较大。
It is understood that the short duration of life insurance products including part of the so-called universal insurance, a small amount of dividends and common type of insurance. After the new rule, small insurance companies keen to sell such products in the past of great impact.
“新规定是监管部门控制风险的做法，也是为了保护投资者的利益。”浙江工商大学教授施建祥对保监会调整中短存续期保险产品表示认可。据他了解，部分保险公司急功近利，对风险较高的中短存续期保险产品做出高收益承诺，“短债长投”有可能导致出现风险。
"The new provisions are regulatory control risk practices, but also to protect the interest of investors." Zhejiang Gongshang University Professor Shi Jianxiang of short duration in the adjustment of the China insurance regulatory Commission endorsed insurance products. It was his understanding that some insurance companies eager for quick success and in the higher risk high yield commitments from short-duration insurance product, "short-term debt longer vote" could result in risks.
而一家中小规模保险公司的浙江机构负责人也表示中短存续期保险产品事实上利润不高，还需要考虑到投资的收益和风险，确实存在较大的风险。
A small insurance company Zhejiang Agency Chief also said that short-duration insurance products in fact profits are not high. It also need to take into account the returns and risk of investment. There is great risk.
此外，对那些喜欢购买保险理财产品的投资者而言，再想买到以往的短期高收益万能险产品已经不可能了。保险理财专家建议，投资者如果喜欢购买保险理财产品，可以适当延长投资期限，短期投资可以选择银行理财产品等其他理财产品。
In addition, for investors who like to buy insurance products and wanted to buy the short-term high yield of universal insurance products have been impossible. Finance and insurance experts suggest that investors liking to buy insurance products can extend the investment period. Short-term investments can choose other financial products such as bank financing products.
