Times of an ancient name for China (Chinatimes.net.cn) report of Beijing of reporter Wu Min
Recently, 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.
Specific in light of, the issue that sells a field achieves 7:
It is product of existence general insurance and deposit, national debt, fund, fiducial wait for business breed to undertake be comparatived one-sidedly, exaggerated accrual or covert affirmatory accrual;
2 it is to use " commercial bank and insurance company combination are rolled out " wait for diction 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;
4 be wait in small gain, small letter from media channel clever make stop carry out, 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;
7 it is other issue.
The danger look forward to that is call-overed includes: The person protects life of person of healthy, sunshine, farming silver share of life of person life, country, medium birthday of Kang Renshou of grand person life, peaceful, new Chinese. Among them, center of much home of subordinate of branch of Shanxi of life of farming silver person raises a company to use carry " agricultural bank and life of farming silver person are rolled out hand in hand " the propagandist data of model of written characters, promiscuous insurance product manages principal part. Branch of Liaoning of grand person life is in in 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.
Involve channel, product and manage violate compasses respect compasses is gross 8, be like, 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.
The danger look forward to that is call-overed includes: Chinese birthday, person defends life of person of rich heart life, country silver of life of life of life of life of life of the birthday danger, person that establish a letter, the Kang Lian that make silver's person, farming silver person, person of peace and tranquility, sunshine person life, hundred years person, labour.
Among them, center of Chinese birthday new rural area pays the state the company is covered take charge 1.45 million yuan, with Yu Yinbao business is safeguarded, retreat keep filling difference. Country empty lists branch of river of birthday share peony operating expenses 288 thousand yuan. Center of city of spring of life of the person that establish a letter raises company theory to list charge 139 thousand yuan, offer for manager of cooperative bank client dine together, amuse oneself, sing wait for amusement activity. How does labour silver fill Shanxi branch in foldout of conduct propaganda of some annuity product, existence " cast protect handy, protect borrow help meet an urgent need... highest can lend cost of money 90% " state, selective examination discovery has truly violate compasses business to happen.
In addition, the product of blame insurance banking that still individual sale 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. Like: ? Travel impaludism 3 hold round of Qia to be troubled by renown sale of Ч ?1 to act as agent from personnel of course of study all right product of conduct financial transactions of advisory company of sale Beijing some information, 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, accumulative total sells amount to make an appointment with 16.9 million yuan.
Besides point out chaos of 4 big fields is resembled, this " bulletin " next working demands that also showed company of superintendency meeting life insurance. This " bulletin " 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. Violate compasses orgnaization to checking what make repeatedly to break the law repeatedly at the same time, the silver-colored meeting that keep watch will severely treat lawfully. At the same time look forward to of danger of each one body should active standard sells behavior; Exert oneself strengthens channel management; Develop lawfully combine plan product; Severe blow is managed illegally.
Run a side illegally in blow among them, insurance company of superintendency requirement life insurance:
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 trends is monitored identify, encounter have major problem, report in time to superintendency branch.
