As 3 cost changes with " newspaper travel syncretic " advance deep, elephant of chaos of market of danger of car of punish of the silver-colored meeting that keep watch also is raising the price of the commodities continuously.
Since this year, the silver-colored meeting that keep watch allots a file to report case of car danger punish thick and fast not only, still undertake weighing punishing to violating compasses company, include to call close down Wu, dismiss " a party to an undertaking " .
In fact, be reformed in deepness and strong below superintendency setting, big company turns implementation profit with dimensions, carry out " newspaper travel syncretic " later, all the more of advantage of large risk look forward to is apparent, in insurance competition transparent circumstance falls, the condition that spells the price to change business dimensions is restricted certainly.
" China runs a newspaper " wife person all represents many industry that the reporter covers, car danger is stand of money risk company this, xiaogong manages inferior position is in originally in competing with the money risk company that has dimensions in, dimensions changes an advantage to form " Matthew effect " make perseverance of big company overmatch stubborn, small company is faced with in live pressure, by force of but must take old road again, defect coverts into poundage those who violate compasses, frequency to give floor price guarantee slip is sloughy.
"Pattern " compete
December 2018, liang Tao of vice-chairman of the silver-colored meeting that keep watch points out on informal discussion of car danger job, car danger was not rational competition to had arrived to be not punish cannot degree.
3 cost that begin from March 2018 change and carried out in August 2018 " newspaper travel syncretic " later, random elephant remains the same frequency goes out.
Report case of car danger punish thick and fast from the silver-colored meeting that keep watch knowable, give car danger client to cheer the gift such as card, card full a cost; Empty line charge is covered take poundage, agent or clerk to return return cash to wait for competitive method to exist all the time. Change ending level in 2 cost especially, during 3 times cost changes advent.
In Feburary 2018, superintendency branch opens a heavy pound to punish sheet to big company, undertake to insurance device and relevant responsibility person double punish, make halt new business 3 months, 4 appear on the market greatly danger tycoon all is in money to be punished.
On Feburary 23, 2018, superintendency website was announced (2018) 6-14 date punishs a decision, piece history on highest norms punishs sheet, the straight danger that hit a car violates compasses chaos to resemble.
Leave this piece punish sheet to involve a person to protect the 4 heads insurance company such as money danger, include head office already, also include a branch.
According to the reporter not complete count, the amount that punish sheet amounts to 8.37 million yuan in all, be in charge of high among them aggregate be fined 3.12 million yuan, 7 tall canals are held a post by cancel qualification. Be punished main reason is in centrally " give or acceptance gives policy-holder the insurance premium sales commission beyond insurance contract agreement other perhaps benefit " and " the work out refers false report forms " these two. Among them, through collect cent treasure is touched buckle insurance cost to become heavy disaster area.
In December 2018, liang Tao of vice-chairman of the silver-colored meeting that keep watch points out on informal discussion of car danger job, car danger was not rational competition to had arrived to be not punish cannot degree.
"Current, car danger market manages order to compare a disorder, break the law violate compasses problem to highlight, the expense ratio level with real market is higher still, partial area occurrence charge leads a level to rebound considerably. Some insurance company are without in newspaper of file, autograph even scruple the poundage standard that ground breakthrough newspaper approves, decorate subordinate to manage an orgnaization to be contended for through tall poundage grab business. " Liang Tao expresses further on the informal discussion.
On January 21, 2019, orgnaization of class of city of land of company of 13 penates risk is protected by corresponding silver business of risk of car of commerce of inspect bureau time-out, involve a person to protect the danger look forward to such as danger of danger of money of life of money danger, country, upper bay money.
According to the silver-colored meeting that keep watch money risk department is reported, up to on Feburary 20, 2019, the silver-colored bureau that keep watch is in the 9 ground such as Zhejiang, Guangxi, Anhui, Henan, Sichuan, Shandong, Qingdao, Xinjiang, Shanxi after the car danger item that examines real company to did not use a newspaper to approve by the regulation expends the irregularity of rate to violate compasses act, list city and ground city step to 24 plans sheet early or late insurance device adopts those who stop clause of commercial car danger and cost rate to superintend measure.
The near future, chinese silver protects inspect to meet " the case that resembles punish strength to concern item about continueing to increase chaos of car danger market " (〔 of letter of money risk department 2019 〕 126) show, up to on April 30, 2019, the 11 ground silver such as Zhejiang, Guangxi, Anhui, Henan, Sichuan, Shandong, Qingdao, Xinjiang, Shanxi, Heilongjiang, Hunan protects inspect bureau, after the irregularity that in the car danger item that examines real company to did not use a newspaper to approve by the regulation cost leads violates compasses act, list city and ground city step to 32 plans sheet early or late insurance device adopts those who stop clause of commercial car danger and cost rate to superintend measure.
Afore-mentioned superintendency files show, already checked solid irregularity to violate compasses behavior to basically center in: It is to pass empty to list other charge to cover take poundage to covert breakthrough newspaper approves poundage to lead a level, the company publicizes the charge course such as cost, service fee, advisory cost to cover the kind that takes poundage through empty row more general. 2 it is to pass give or acceptance gives insurance contract to agree the interest beyond coverts breakthrough newspaper approves cost to lead a level, the company carries agent or the clerk returns the way that returns ready money more general. 3 it is cost data truthless, the company signs up for the poundage rate that approves a standard to prep above of intermediary orgnaization underwrite, but not seasonable enter an item in an account.
As we have learned, before the course paragraph time punish, the market appears means to violate the phenomenon of compasses to decrease apparently through returning directly, but have turn for relatively concealment the trend that violates plan step, increased investigate difficulty, for example the manage compensate interest with empty enter an item in an account of defer of overhead expenses, charge, unreasonable row is carried etc.
From " must not " to " prohibit "
Those who need an attention is, near future silver protects inspect to be able to allot a file to report car danger punish to show, each district silver protects inspect bureau to appear as condemnatory main body, also reflected superintendency function sink.
Since 2019, random to car danger elephant has taken superintendency department " 0 patient " manner, allot the specific requirement in the file and the variation that use a word to be able to be reflected clearly from the silver-colored meeting that keep watch.
In January 2019, did not use car danger clause to expend rate and business finance affairs according to the regulation in the light of market of current car danger data is truthless two respects highlight a problem. General office of the silver-colored meeting that keep watch " the announcement that superintends concerned item about enhancing car a place difficult of access further " (silver protects inspect to do 2019 〕 of hair 〔 7) (the following abbreviation " 2019 〕 of 〔 7 files " ) , put forward 8 " ban " , use in article " prohibit " 2 words, also not be again before " must not " .
7 files set 2019 〕 of 〔 , one, each property insurance company uses rate of car danger clause, cost to answer strict perhaps carry out what the State Council is sure to supervise an administration about the regulation according to law, administrative regulations, forbidden: (one) without approval, do sth without authorization is revised or covert modification clause, cost leads a level; (2) through give or acceptance gives contract of insurance of policy-holder, insurant to agree the interest beyond coverts breakthrough newspaper approves cost to lead a level; (3) through empty row other charge is covered take poundage to covert breakthrough newspaper approves poundage to lead a level; (4) new car business did not approve cost rate according to formulary use classics. 2, each property insurance company should strengthen management of authenticity of data of business finance affairs, ensure cost of each management cost is real seasonable enter an item in an account, forbidden: (one) hang the means such as intermediary business to cover with direct business empty take poundage; (2) with empty the means such as line business and administration fee is covered take charge; (3) manage a result through violating compasses plan to carry responsibility reserve to adjust; (4) adjust management result through enter an item in an account of factitious defer expense.
Those who need an attention is, near future silver protects inspect to be able to allot a file to report car danger punish to show, each district silver protects inspect bureau to appear as condemnatory main body, also reflected superintendency function sink.
And afore-mentioned changes result from a file.
According to department of risk of money of the silver-colored meeting that keep watch 2018 the end of the year " violate the letter that violates compasses behavior follow-up to handle concerned matter about current car danger " (2018 〕 of 〔 of letter of money risk department 876) (the following abbreviation " 2018 〕 of 〔 876 files " ) requirement, "To the newspaper is approved and using car a place difficult of access according to the regulation relevant cost leads, according to " law of insurance of People's Republic of China " regulation, halt relevant city form by the silver-colored bureau that keep watch rate of clause of danger of car of insurance device use commerce, cost. The silver-colored bureau that keep watch the superintendency step that to relevant city class insurance device takes clause of danger of disuse commerce car, cost to lead, the time of disuse is specific inspect relevant insurance device to rectify and reform by the silver-colored bureau that keep watch fulfil a circumstance and decide. The time of disuse is specific inspect relevant insurance device to rectify and reform by the silver-colored bureau that keep watch fulfil a circumstance and decide..
876 files made clear 2018 〕 of 〔 the function attributive of examination, punishment comes from transfer to a lower level of the silver-colored meeting that keep watch each district silver protects inspect bureau, charge clause of danger of car of insurance company disuse and time of cost rate time, the silver-colored bureau that keep watch also does not need to have specific time.
In Feburary 2019, following of danger of money of the silver-colored meeting that keep watch is sent " the case that superintends concerned circumstance about market of danger of near future car " (〔 of letter of money risk department 2019 〕 52) , appear for many times in the file right now " supervise and urge " " correct " term, and arrived to allotted on April 30, 2019 " the case that increases chaos of car danger market to concern item like punish strength about continueing " (〔 of letter of money risk department 2019 〕 126) emphasized for many times " take cogent and strong step, the punish strength that increases random to car danger market elephant " , put forward to increase the punish strength of pair of insurance intermediary orgnaizations at the same time.
For further keep within limits insurance intermediary market breaks the law violate compasses act, on April 2, 2019, the silver-colored meeting that keep watch allots " the announcement that chaos of insurance intermediary market resembled repair work program 2019 " , this key punish direction is: It is squeezing ramming insurance company controls liability to the canal of channel of of all kinds intermediary; 2 it is serious platoon checks business of insurance intermediary orgnaization to add up to compasses sex; The insurance business of the platform of 3 tripartite network that are aggrandizement punish and insurance device collaboration. Punish object enclothes orgnaization of safe and insurance company, professional intermediary, insurance to hold trade representative orgnaization and the tripartite network that cooperate with insurance device concurrently platform.
8 into deficit of accept insurance of danger look forward to
Some salespersons point out to the reporter, can do the business of 10 million, even if violate compasses, be punished 500 thousand, this Zhang also delimits come.
The reporter covered risk of car of numerous a gleam of salesperson, they think, "Before company of head money risk is taken, support car danger earns the money that come ' be bungled ' the market, company of little money risk does not have speech authority in, can follow-up. To in for small company, car danger is the business that puts with a future life, making car narrow pass is blind lane, made car narrow pass, violate compasses be being punished also is blind lane one, that to live, must maintain oneself order first of course, talk again add up to compasses sex. Talk again add up to compasses sex..
Some salespersons point out to the reporter, can do the business of 10 million, even if violate compasses, be punished 500 thousand, this Zhang also delimits come.
Agent of some intermediary company expresses, "Big money risk company also lacks business, also need to achieve target of car danger outstanding achievement, even if be the first violate compasses, gain of accept insurance of their car risk, hit price war to also can be carried so that live. But small company is different, calculate accept insurance deficit, gnash one's teeth also must stick channel charge, do not have business to do not have cash to shed to have blind lane only otherwise. Do not have business to do not have cash to shed to have blind lane only otherwise..
Liang Tao points out on informal discussion of car danger job, want to take 7 when car danger market exists outstanding issues seriously highly, it is high price tall poundage binds a sale; 2 it is to weigh dimensions to combine plan light beneficial result gently. Of plunder type " horse race encircles the ground " the malign competition with suicidal type; 3 it is truthless problem highlights data; 4 it is cash shedding risk is increased. Before 2018 in October, cash of sex of battalion of complete travel already flows for negative number; 5 it is duty Wu adds up to compasses risk to rise. Because the industry is malign competition, financial data is truthless and the duty Wu that bring about joins compasses venture; 6 it is industry existence is suspected of corrupt problem. In car risk line of business, a few orgnaizations and take charge, intermediary to covering from personnel of course of study too odd, carry be accustomed to sth of bribery behavior of the collude of inside and outside such as the interest, bribery, check repeatedly make repeatedly; 7 it is to superintend join forces to had be notted form. Superintendency fluctuation controls linkage machine to make insufficient unobstructed, some superintend policy to be not fulfilled reach the designated position, standard of some administration punishment is skimble-scamble, partial superintendency measure and the Yu Kuan that punish measure to break, those who break at soft, fail to violate compasses behavior to form effective awe to breaking the law.
The personage inside course of study thinks, superintendency branch is to make car danger industry orderly develop to the purpose of car danger punish, let company of most money risk score gain, obtain thereby continuously, healthy progress, is not apparently dimensions of each insurance cost grows, it is way of of all kinds and malign competition emerges in endlessly however privately, only company of risk of a few penates gains profit, deficit of major company in successive years.
The elephant gets together financial academy is advanced researcher Xu Jiankun expresses to the reporter, chaos of danger of car of superintendency branch in neat formation is resembled, it is to avoid the market to enter malign price competition, if insurance company weighs dimensions small service, final meeting hurts consumer profit. If car risk business lasts not gain, use at improving a service without more capital, the person that final cancel each other out is expended is adverse.
Domain of scan money danger, car danger insurance cost develops speed and its gain not to become direct ratio.
Come 18 years of 2018 from 2000, car danger insurance cost went up 60 times. With car danger insurance cost add fast what be contrary to with dimensions photograph is, gain of car risk accept insurance person very few.
Reporter basis annual report of company of each penates risk is not complete statistic, 2018, in 61 companies that publish data of car danger finance affairs, only gain of accept insurance of risk of car of company of 9 penates risk, the money risk company of accept insurance deficit amounts to 52, make an appointment with business of 8 become risk of car of danger look forward to are deficit namely.
*END*
Reporter: Brilliant Beijing reports Chen Jing
Classics finance is in " China runs a newspaper " the public date of news of domain of subordinate and dedicated finance and economics, content covers the many banking industry such as business of bank, safe, fiducial, futures, certificate, fund, bourse, everyday many are achieved formerly, aim to provide valuable content service for the reader.
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