Superintend selective examination to give heat as a result, life insurance is severe Cha Chengchang

Show about the bulletin that person was sure to administer a sale to resemble blow to manage special operation illegally to concern a situation in disorder 2018 according to general office of the silver-colored meeting that keep watch, 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.

From " bulletin " content looks, superintended chaos of face of main blow sale, channel, product, management all directions to resemble 2018, fine number 15 big questions, more look forward to of much home danger meets with " call-over " , rectify the action to have not end however, from next jobs of the silver-colored meeting that keep watch the requirement looks, severe superintend will become normal state.

Check oneself inside year rectify and reform rate 96.84%

2017 end, superintendency layer print and distribute " the announcement that begins person to be sure to administer a sale to resemble blow to run special operation illegally in disorder about the organization " , in person insurance industry organization is begun " treat chaos to hit blame " special operation, mix orgnaization of intermediary of key repair insurance company, insurance insurance sale is insurance product confuse sth with sth else bank deposit from personnel of course of study or product of conduct financial transactions undertakes selling, " deposit receipt changes guarantee slip " wait for a problem.

Through a year of much action, there was clear conclusion eventually recently. " bulletin " show, "Treat chaos to hit blame " since special operation is begun, each silver-colored bureau that keep watch establishs technical guidance group, make executive plan, oneself of insurance company union begins body of constituent each one actually to be checked oneself seriously, discover to be being checked oneself the problem is rectified and reform seriously, check oneself inside year rectify and reform rate achieve 96.84% .

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 takes step, carry out superintendency talk 46 second, issue superintendency letter 111, executive administration punishs 127 second, 299 person-time, the typical danger look forward to that involves to all sorts of problems also undertook enumerative.

" bulletin " return the real problem that the basis discovers in special operation, check gives insurance company to be in sale random elephant and the total that manage a respect illegally to appear 4 kinds of 15 big questions, and all attach danger look forward to violates the typical case of compasses, look forward to of much home danger is call-overed. This sells the problem that the respect exists to most and main problem includes exaggerated profit or covert among them affirmatory accrual, use " commercial bank and insurance company combination are rolled out " wait for diction obscure management principal part, exaggerated insurance product guarantees range, hype stops carry out, be restricted to make work information, misinterpret superintendency policy, give a client additional benefit and lead client retreat old guarantee slip to cast new guarantee slip to wait.

In the meantime, in channel, product and manage violate compasses respect to include 8 to violate in all compasses, for example channel is violated compasses involve set take charge to undertake the interest is carried; Rise cost rate lacks rational basis; Sale action but backdate system fulfils not do one's best; Partial orgnaization insurance is procuratorial " ill will digs horn " , disturbed market order 4. The product is violated compasses involve cost to lead collate and stipulate, essence to consider hypothesis disagreement compasses, unscientific, individual product is suspected of " grow danger weak point to do " ; Guarantee slip loan exceeds superintendency plan certainty ratio 4 problems.

Tight superintendency situation will continue

The personage inside course of study expresses, this bulletin is told as a result to insurance company rise greatly awe action, " bulletin " be pointed out 4 respects are violated compasses, include the typical case of look forward to of a few danger, have caution effect to this company and other company, the sale action that this at the same time the bulletin also conduces to course of study of to give way is more normative, channel management is strengthened somewhat, drive the develops the level ability of the product to promote at the same time.

Be worth what carry is, besides point out outside elephant of chaos of 4 big fields, this " bulletin " also announced those who superintend pair of life insurance companies to work next requirement. Insurance company wants body of requirement each one 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.

In the meantime, look forward to of danger of body of each one of requirement of the silver-colored meeting that keep watch should active standard sells behavior; Exert oneself strengthens channel management; Develop lawfully combine plan product; Severe blow is managed illegally. With normative sale behavior is exemple, 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 to wait.

And management aspect violates in blow, superintend 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; 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. In addition, right from personnel of course of study unusual action undertakes trends is monitored identify, encounter have major problem, report in time to superintendency branch.