■ Su Xianggao of our newspaper reporter
On April 25, the silver-colored meeting that keep watch releases " Chinese silver keeps watch meeting general office reachs the announcement that violates compasses sale to be not insurance banking product from personnel of course of study about putting an end to insurance device stoutly " say, the near future, specific insurance company violates compasses sale to be not insurance banking product, form risk incident, expose an insurance device to sell management in product of blame insurance banking, from personnel of course of study the canal accuses and the risk deals with wait for a respect to exist serious problem.
The silver-colored meeting that keep watch expresses, orgnaization of safe and insurance company, professional intermediary and its violate compasses sale to be not insurance banking product from personnel of course of study, it is the act that violates superintendency regulation badly, to insurance sincere letter figure and society stabilize the industry to be able to produce undesirable effect, must give determined blow.
The silver-colored meeting that keep watch asks, orgnaization of safe and insurance company, professional intermediary wants strict according to " the announcement that China protects inspect to be able to be not insurance banking product to sell about rigid standard " (the following abbreviation " announcement " ) regulation, the key belongs to an orgnaization to reach in the light of place sell admittance of aptitude, product, business from personnel of course of study segregation, put on record management, classification deals with wait for content, comb an examination administrative system is complete related the company, the mechanism is perfect, carry out whether to reach the designated position. Head office wants cogent according to superintendency requirement, from above to below supervises and urge layer upon layer build from personnel of course of study the sale is not insurance banking product to be in charge of control to spend, fulfil a canal to control liability.
Receive oneself afore-mentioned " announcement " since day, orgnaization of safe and insurance company, professional intermediary should be begun deep check oneself, it is an unit in order to save a branch, in the light of key personnel comprehensive platoon is checked violate compasses sale to be not problem of insurance banking product. Each insurance company saves branch and orgnaization of safe and professional intermediary to answer at inspect bureau is being protected to local silver before April 30, 2019 written report investigates a case oneself.
Those who deserve attention is, what is although didn't afore-mentioned announcements allude,the financial product of incident of danger of form become a common practice? But according to " negotiable securities daily " the reporter consults data discovery, the Ceng Di before this and danger look forward to violate the more silver-colored bureau that keep watch product of compasses sale P2P, sell P2P to allot risk clew case from personnel of course of study with respect to partial insurance device.
For instance, the silver-colored bureau that keep watch reminds Beijing before this broad consumer, name of insurance company of illegal element make use of sells the product of blame insurance banking such as P2P, basically make in order to leaves 3 kinds of way: It is insurance sale (broker) recommend insurance product and product of blame insurance banking at the same time from personnel of course of study, promiscuous quality of two kinds of products; 2 it is insurance sale (broker) be not insurance banking product to be with insurance company credit from acceptance of personnel of course of study assure, protect this and yield is higher; 3 it is revulsive insurance consumer is retreated protect or undertake guarantee slip impawn, get cash to buy product of blame insurance banking.
Fall into trap to prevent investor, the silver-colored meeting that keep watch also allots before this " the risk that is sure to violate compasses sale to be not insurance banking product from personnel of course of study about be on guard hints " , state a few insurance introduce insurance product name from make use of of personnel of course of study, market the product of blame insurance banking such as P2P to consumer, with " maintain this high income " the consumer that entice is contributive buy, some makes financial bilk and the conduct that collect money illegally even.
Actually, in frequency of P2P industry accident hair, risk crosses the case that the bound delivers to fall, many superintendency document ever was released before superintending this. Print and distribute of the original January last year meeting that keep watch " the announcement that manages about strengthening Internet platform to assure insurance Wu " , specific insurance company must the Internet platform that careful choice cooperates. Last year on March 15, hair of the original meeting that keep watch changed a ministry to still allot " send the announcement that offers insurance to ensure business to concern a situation for Internet finance platform about the newspaper " , comprehensive newspaper sends requirement insurance company the relevant data detailed information that cooperates with Internet finance platform.
Those who deserve attention is, partial risk has P2P platform below banner of look forward to, for instance An Bangqi issues state be in harmony to collect. State be in harmony collects government-owned network news to show, this company brings limited company of science and technology of state harmony network by Beijing 100% accuse, it is the network below division of group of the insurance that bring country leasehold platform, held water in December 2014 portion, register capital 200 million yuan, real pay sth used to one's own advantage 50 million yuan, management condition is practice.
