Person was sure to administer random elephant, blow to manage special operation illegally to receive an official 2018.
Insurgent news learns, near future of the silver-colored meeting that keep watch was released to company of each life insurance " report about what person was sure to administer random elephant, blow to manage special operation illegally to concern a situation 2018 " (next weighing " bulletin " ) . Basis " bulletin " , in examine an aspect oneself, each person insurance company is checked oneself inside year rectify and reform rate achieve 96.84 ％ . Most person insurance company with " treat chaos to hit blame " special operation is perfected for chance inside accuse to manage, increase ceaselessly close compasses management initiative, consciousness.
Investigate a case oneself in the light of the orgnaization, 36 silver-colored bureaus that keep watch expedite 190 inspections team, provincial to 133 person insurance company orgnaization and basic level site are begun superintend selective examination. Selective examination discovery is of all kinds violate compasses problem 1529, involve amount 220 million yuan. The irregularity that is aimed at discovery violates compasses problem, each silver-colored bureau that keep watch carries out superintendency talk 46 second, issue superintendency letter 111, executive administration punishs 127 second, 299 person-time. Meanwhile, the silver-colored meeting that keep watch is right also the typical problem that in be being checked this, discovers gives bulletin.
" bulletin " show, the main problem that examines discovery this basically has a sale respect, channel respect, product side and management respect 4 kinds big 15 content. Among them, be in the majority in order to sell the issue of the respect again, achieve 7.
Specific in light of, the issue that sells respect existence includes exaggerated profit or covert affirmatory accrual; Use " commercial bank and insurance company combination are rolled out " wait for diction obscure management principal part, wait for insurance product confuse sth with sth else the product for conduct financial transactions; Exaggerated insurance product guarantees range; Hype stops carry out, be restricted to make work information, misinterpret superintendency policy; Offer a client additional benefit; Lead client is retreated protect and cast new guarantee slip to wait in order to complete outstanding achievement assessment.
Notable is, second dispatch reminds Ceng Duo of the silver-colored meeting that keep watch to put false sale risk from media platform. According to this bulletin, too staff member of branch of Zhejiang of the danger that maintain life acclaims sale of product set limit to, information stopping carry out in circle of small letter friend; And in branch of Liaoning of grand person life is in directly product specification alleges in the meeting some product has limit, it is the product of calm danger. Branch of Hainan of peaceful Kang Renshou is grooming use in material " the breakthrough is superintended " " superintendency back boiler " wait for a word, misinterpret superintendency policy.
In channel respect, the main problem that examines discovery has set take charge to undertake the interest is carried, rise cost rate lacks action of rational basis, sale but backdate system fulfils not do one's best and partial orgnaization insurance is procuratorial " ill will digs horn " , disturbed market order.
" bulletin " say, partial bank orgnaization is put after the salesperson recommends insurance product to policy-holder sale, lead the case that its buy insurance to self-help terminal unit. Spot of sale of partial bank orgnaization exists in process of synchronous recording kinescope cannot clarity differentiates time of kinescope of the identity document that insurance sale produces to the client from personnel of course of study, recording is later than insurance product to sell data of kinescope of time, recording to fail clear record chats content, transcribe content did not include policy-holder to sign insurance application, cast.
In addition, still partial insurance company digs horn often for the condition with high pay, high post, lest company of partial major representative, broker is assessed, avoid be out on duty to be a condition abdication of lead insurer employee, whole of group of business of specific insurance company finds new job. After the part changes working station from personnel of course of study, client of lead former company is retreated protect and cast to new company protect.
In product side, manage of rate of cost of main existence is decided, essence of life considers hypothesis disagreement compasses, unscientific, individual product is suspected of " grow danger weak point to do " and guarantee slip loan exceeds superintendency regulation scale. For instance, some wholesale that sells with branch of Shenzhen of square whole world is handed in all-purpose model be satisfactory to both sides is safe, the design is used for a year of regressive insurance cost for 0, 90% above guarantee slip puts this product add period is 1 year.
With respect to management respect character, two problems that the silver-colored meeting that keep watch basically reports this pass organization and the orgnaization such as the platform of tripartite network that does not have lawful aptitude to manage insurance Wu illegally for individual orgnaization; Individual sale superintends the product of blame insurance banking that the branch examines and approve without relevant finance from sale of personnel of course of study, use insurance Wu to undertake fund raising illegally even, pass sell or wash the illegal activity such as money.
For instance, the letter protects center of sincere Wen Zhou to raise 41 sales of company to sell Beijing some information to seek advice from product of company conduct financial transactions from representative of personnel of course of study in, accumulative total sells amount to make an appointment with 10.45 million yuan. Birthday share green cropland pays the state sale of 5 insurance of firm sells information of Shanghai some finance to serve product of company conduct financial transactions from personnel of course of study,
To working next, the silver-colored meeting that keep watch emphasizes, each person insurance company wants cogent the main body responsibility that assumes a processing to sell random elephant, blow to be managed illegally, be aimed at the typical issue in the bulletin, contrast oneself is checked be short of filling leakage, derive lesson, draw inferences about other cases from one instance, had caught rectify and reform; Should strengthen continuously inside accuse to manage, catch system, hurried to close compasses, control a venture, cogent conduct each superintendency requirement to employee of a gleam of and fall to real point. Violate compasses orgnaization to checking what make repeatedly to break the law repeatedly, the silver-colored meeting that keep watch will severely treat lawfully.
Be in " bulletin " in, the silver-colored meeting that keep watch also put forward to asked at 4 o'clock to life insurance company:
1. active standard sells behavior. It is the management that strengthens pair of conduct propaganda behavior, build the sale culture of good health, introduce insurance product in the round, well and truly, objectively, not exaggerated conduct propaganda, not false and affirmatory, not intended and obscure management principal part. 2 it is the management that strengthens pair of sale action, perfect inside accuse a mechanism, fulfil good sale action but backdate system, do not violate compasses give a client guarantee slip beyond interest. 3 it is to strengthen pair of management from personnel of course of study, supervise and urge increase from personnel of course of study add up to compasses consciousness, sincere letter consciousness, morality consciousness, forbidden releasing disloyal information from media channel, the mistake unscrambles superintendency policy.
2. exert oneself strengthens channel management. It is perfect management system, establish the administrative pattern that covers channel business whole technological process, ensure management behavior complies with law, data of business finance affairs is true and transparent. 2 it is to strengthen internal audit, begin to channel business regularly check oneself, forbidden set take charge to undertake to relevant channel or personnel the interest is carried. 3 it is behavior of normative market competition, strengthen self-discipline, not bespatter a person of same business, the not baleful agent that dig horn, do not do poundage not to have foreword competition, it is normal to maintain person insurance market self-consciously order.
3. complies with law development product. It is to return to safeguard source continuously, combinative insurance consumer is actual demand develops a product, exert oneself promotes a product to ensure ability and service quality, put an end to stunt type innovation, in the standard short-term business. 2 it is to be in products plan and development process, slam the door is short-term dimensions consciousness, mature risk of the risk of interest poor decrease that exists to the likelihood, the caustic that expend difference and macrobian risk, ensure company long-term stability is managed. 3 it is business of loan of normative guarantee slip, extend to ensure capital solves policy-holder with Yu Huan inside plan certainty ratio short-term liquidity problem.
4. severity blow breaks the law manage. It is forbidden cooperate with organization and the orgnaization such as the platform of tripartite network that does not have lawful aptitude product of sale person insurance. 2 it is to strengthen insurance to manage from action of staff of course of study, forbidden participate in from personnel of course of study collect money illegally, subterranean old-style Chinese private bank, wash bribery of money, commerce, inside to trade, operate the illegal behavior such as the market, the product of blame insurance banking that does not examine and approve so that the sale superintends a branch without relevant finance, must not use post and job seek is illegal interest. 3 it is right from personnel of course of study unusual action undertakes result condition is monitored identify, encounter have major problem, report in time to superintendency branch.
