The silver-colored meeting that keep watch organized China 2018 began person insurance processing to sell random elephant, blow to run special activity illegally. Reporter of certificate business China learns, the silver-colored meeting that keep watch already concerned a circumstance to undertake a bulletin to the industry with respect to special operation recently.
The bulletin shows, in this activity, 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. Suffer administration to punish orgnaization home second more life insurance company is: The person maintains life of Kang Renshou of life of person of share of life of birthday danger, country, sunshine, peaceful, new Chinese.
This the examination discovers insurance sale, channel, product, manage wait for 4 kinds big 15 problems, specific issue includes: Earnings of exaggerated insurance product or covert acceptance spends income; After with the salesperson lead client is buying insurance product, partial orgnaization applies for to be gotten partly or retreat protect already had guarantee slip, continue to cast protect other product to be assessed in order to complete oneself outstanding achievement; 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 to wait.
Sale side issue is most, pattern is various
In 4 kinds of big problems that discover this, the issue that sells respect existence is most, pattern is various, basically include the following 7:
It is insurance product and deposit, national debt, fund, will fiducial wait for business breed to undertake be comparatived one-sidedly, exaggerated accrual or covert acceptance spends income is one of problems that the sale appears easily.
2 it is to use " commercial bank and insurance company combination are rolled out " etc use at obscure management principal part, it is insurance product confuse sth with sth else conduct financial transactions or other banking product.
3 it is limits of safeguard of exaggerated insurance product, product of partial health risk with " super social security " " super cure is protected " wait for name to pack. Be like: Country branch of city of birthday share Jilin with " social security upgrades greatly the interest is distributed " hold product specification to be able to market insurance product for the name.
4 be wait to stop carry out from media channel hype in small gain, small letter, be restricted to make work information, misinterpret superintendency policy.
5 it is partial orgnaization and salesperson offer client guarantee slip the benefit beyond.
6 it is partial orgnaization and salesperson the application after lead client is buying insurance product is gotten partly or retreat protect already had guarantee slip, continue to cast protect other product to be assessed in order to complete oneself outstanding achievement. Be like: Salesperson of branch of Guizhou of new Chinese birthday with " guarantee slip is time-expired " " guarantee slip upgrades " wait for client of false reason misdirect to retreat protect already had guarantee slip, use retreat protect capital to buy new sheet. Branch of Shandong of sunshine person life is sold 6 times already expired with guarantee slip from personnel of course of study or new insurance profit is advanced reason, misdirect client retreats 10 guarantee slip that expire after 5 years protect and buy new sheet.
7 it is other issue. For example, did not copy by the requirement the risk hints diction, use bank ark member, silver protects clerk and its relative connection to means pretends to be a client to contact means and be received listen to issue of telephone of company pay a return visit to wait.
"Ill will digs horn " disturbed market order
The problem of channel respect basically has 4 kinds of action, include: It is to cover take charge to undertake the interest is carried; 2 it is rise cost rate lacks rational basis; 3 it is sale action but backdate system fulfils not do one's best; 4 it is partial orgnaization agent " ill will digs horn " , disturbed market order.
Be like, 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.
The problem of product side basically has two kinds of action, it is to expend rate collate and stipulate, essence to consider hypothesis disagreement compasses, unscientific, individual product is suspected of " grow danger weak point to do " ; 2 it is guarantee slip loan exceeds superintendency plan certainty ratio.
Individual clerk uses insurance to undertake fund raising illegally, pass annul
The problem of management respect is main two kinds: It is individual orgnaization passes organization and the orgnaization such as the platform of tripartite network that does not have lawful aptitude to manage insurance Wu illegally; 2 it is individual sale the product of blame insurance banking that superintends a branch to examine 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 example, 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,
Check repeatedly make an orgnaization will be severelied treat repeatedly
Be aimed at next jobs, the silver-colored meeting that keep watch asks company of each life insurance is aimed at the typical issue in the bulletin, contrast oneself is checked be short of filling leakage. Violate compasses orgnaization to checking what make repeatedly to break the law repeatedly, the silver-colored meeting that keep watch will severely treat lawfully.
The silver-colored meeting that keep watch basically put forward to asked at 4 o'clock to life insurance company, include active standard to sell behavior, exert oneself strengthens channel management, comply with law development product, severe blow breaks the law manage etc.
Severe blow runs a side illegally, the basis reports a demand, it is rigorous 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 personnel 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 sale finance of the ministry superintends the product of blame insurance banking that the branch examines and approve, must not use post and job seek is illegal interest. 3 it is right from personnel of course of study unusual action undertakes trends is monitored identify, encounter have major problem, report in time to superintendency branch.
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