中国保监会打击奇葩保险产品

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　　在监管机构已叫停被视为“夺人眼球”、“投机性”和“噱头性”的保险产品后，国人将不能再为痤疮、睡眠不足或雾霾投保。

　　Although regulators have previously⁴ attempted to end smog insurance, the new regulations issued by the China Insurance Regulatory Commission cover a broader set of products.

　　尽管监管机构此前曾试图叫停雾霾险，但中国保监会颁布的新规覆盖了更广泛的产品系列。

　　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 marketing⁵ hype" and universal insurance products.

　　这些产品包括：“保险事故不会造成被保险人实际损失的保险产品、无实质内容、以制造营销噱头为目的的产品”和万能险产品。

　　中国保监会打击奇葩保险产品

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

　　新规是对非传统产品进行更大范围打击的一部分。

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

　　12月，中央经济工作会议将管理金融风险和防止资产泡沫列为2017年的工作重点。

　　"The whole regulatory framework has become tighter and more active," said Zhou Hao, analyst⁶ at Commerzbank in Singapore. "Liu Shiyu's speech marked a new direction for the CIRC."

　　“整个监管框架已变得更紧、更活跃，”德国商业银行驻新加坡的分析师周浩表示。“保监会主席的讲话标志着监管机构的一个新方向。”

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