A few days ago, the Bank of China is sure to supervise administrative committee to release investigate bank of imports and exports lawfully the Li Changjun case, bulletin that investigates a bank one case to be sure to sell misdirect model case lawfully, punish banking and insurance market chaos are resembled, had hit be on guard dissolve battle of financial venture assault fortified positions.
Report reporter statistic according to 21 centuries economy, at the beginning of 2018 up to now, add up to of the silver-colored meeting that keep watch releases the administration that involves insurance publicly to punish 23 pieces, add up to punishs amount 12.85 million yuan, accumulative total punishs a number 58 person-time; Superintendency case 33 pieces. Be in the majority with money risk company among them, car danger, farming danger is become " heavy disaster area " , the problem such as deceit of sale misdirect, sale is banned repeatedly more than.
Car danger, farming danger is become violate compasses " heavy disaster area "
This year first half of the year, 23 pieces of administration that give leave in the silver-colored meeting that keep watch in punishment, the person protects money danger to be punished the number is maximum, add up to is punished 5 times, company accumulative total is punished amount 2.05 million yuan (similarly hereinafter, all do not contain an individual) , accumulative total is punished 12 person-time, involve a person to protect branch of money danger Hunan Province, Guangdong to save branch, Sichuan to save a branch to wait. Accumulative total of safe money danger is punished amount 1.6 million yuan, accumulative total is punished number 11 person-time. Too protect produce danger accumulative total to be punished amount 1.1 million yuan, accumulative total is punished number 8 person-time. Accumulative total of danger of money of peace and tranquility is punished amount 1.1 million yuan, accumulative total is punished number 7 person-time. Accumulative total of sunshine money danger is punished amount 1 million yuan, accumulative total is punished number 7 person-time. Accumulative total of China money danger is punished amount 600 thousand yuan, accumulative total is punished number 5 person-time. China accumulative total of farming money danger is punished amount 500 thousand yuan, accumulative total is punished number 4 person-time. Accumulative total of danger of violet gold money is punished amount 150 thousand yuan, accumulative total is punished number 1 person-time.
Report according to 21 centuries economy the reporter is combed, in punishment of 23 pieces of administration, the action that Zhang She and 15 work outs provide false data or work out refer the behavior such as false report forms; 8 pieces are involved affirmatory perhaps to giving give the insurance premium rake-off beyond agreement of policy-holder insurance contract the action such as other perhaps benefit; Still 1 piece of needles sell the behavior such as beguiling policy-holder to the phone.
From involve a domain to look, car danger, farming danger is " heavy disaster area " . To car danger, investigate its reason is in commercial car danger cost rate commercializes reform in, wait without coefficient of reparations give special treatment introduce, make car danger compensate pays rate drop, turn and accuse in cost canal, the advantage enlarge on apportion, have larger space to cast forward end charge, because this appeared,company of individual money risk is pursuit market share, undertake charge compares the phenomenon that go all out, bring about ratio of car danger expense to rise continuously, expense ratio and compensate pay rate hang, cost rate house does not fall high.
This year beginning, the silver-colored meeting that keep watch punished a person to keep money again danger, restful produce danger, too protect produce risk of danger, money of peace and tranquility company of 4 penates risk, involve give or acceptance offers the insurance premium rake-off beyond agreement of policy-holder insurance contract other perhaps benefit, and the work out refers false report forms.
For example, company of relevant money risk begins collect to divide treasure to support the sale activity that deducts insurance cost of commercial car danger in platform of some car danger. Money risk company advances capital divides treasure company to buy collect to divide treasure to some collect, the part that treasure distributes the part of relevant measure to extend to under one's name of money risk company after some collect divides treasure company to get money assigns treasure account. Money risk company uses afore-mentioned collect to divide treasure, touch directly when the client pays car danger insurance cost deduct one part insurance cost.
Institute of finance of research center of development of the State Council teachs Zhu Jun to be born when accepting 21 centuries economy to report the reporter is interviewed to express, in commercial car danger cost rate commercializes reform setting to fall, because company of individual money risk administers deviation of concept of diseased, development to wait, bring about dissimilation of behavior of competition of partial market main body. For example, use all sorts of means to cover take more charge to be contended for with Yu Jing, cause financial data truthless etc. Expect as commercial car danger cost rate commercializes reform to deepen, let market main body acquire own price right, the price that attributes microcosmic market principal part originally authority returns insurance company.
Current, cost of commercial car danger leads market reform to undertaking steadily. On May 29, the silver-colored meeting that keep watch releases " the announcement that about commercial car danger own price reforms pilot area to expend rate plan newspaper to send concerned demand " requirement, demonstrative clause of insurance of business of motor vehicle of guild of use China insurance is in when cost of danger of car of pilot area commerce leads collate and stipulate, insurance cost of fiducial pure risk, violate coefficient cost rate to adjust plan to should consult without coefficient of reparations give special treatment and traffic the cost rate that association drafts is standard carry out. Additional cost ratio is booked must not exceed 35% , additional cost ratio is booked for of 35% do not need to explain a specification, additional cost ratio is booked under of 35% should undertake explanatory demonstrative.
Course of development protects father to hold president Shuai Yong concurrently to report a reporter to express to 21 centuries economy, after own price is unlocked in the round, company of little money risk needs the thing that do most in great majority, be instantly redefine car danger manages mode, find the fractionize market that attributes oneself. Data analysis, risk chooses the business that is the 2nd phase, the fractionize market that had oneself first " the meal eats " , consider again " how to eat healthily " , define the fractionize market with him focusing, itself is the biggest risk choose. Do not consider to use low and company of large money risk to undertake the market competes again, hit price war to be able to make large company more and more powerful only. Product of innovation car danger is Chongzhongzhi is weighed, if look from car danger sale only, car danger is the Red Sea; But if look from the setting that use a car, car risk is main it is the La Hai that has not develop.
To farming danger, with the person the danger that keep money is exemple, the agriculture that the person protects branch of money danger Hunan, Guangdong branch to protect inspect bureau newspaper to send to seat respectively is sure to check a report to show oneself, the archives that not complete, truthless problem exists in archives of compensate of accept insurance manage is ninety-three thousand two hundred respectively, 50 thousand, occupy score to fasten 25.92% , 51.03% . The person protects what money danger head office sends to newspaper of the meeting that keep watch to check a report to show oneself, question record 3.415 million, occupy than 59.91% .
Inspection team protects branch of money danger Hunan, Guangdong branch to check a report oneself in the person in do not have a problem or already rectifying and reform archives of compensate of accept insurance manage, draw-out 2119 archives undertook checking, the record that new discovery keeps in not complete, truthless problem in all 863, question record is occupied than 40.72% . In this, selective examination Hunan branch 1070, discover question record 433; Selective examination Guangdong branch 1049, discover question record 430. Afore-mentioned outspread examinations selective examination to show as a result, it is certain also that the person protects money danger head office to protect inspect to meet what the newspaper sends to check a report oneself to silver the circumstance that problem of not sufficient report exists on degree. The person allows to keep department of career of insurance of money danger agriculture when / 3 farming insurance department Wei Bailin of vise general manager has direct responsibility to afore-mentioned behavior.
Zhu Jun is unripe think, current, the serious problem of farming danger is to manage cost to hold high, farming danger basically depends on strong thrust of administration to move, in order to reduce accept insurance and manage compensate cost, but because be opposite,administrative power of the branch is restrained related local government insufficient, and accuse to be not worth inside oneself of money risk company, cause compensate of false accept insurance, false manage and false charge to wait violate compasses problem to highlight. Although be sure to superintend a branch to increase superintendency strength ceaselessly, but through fictional insurance accident or enlarge rate of major farmer loss undertakes compensate pays, reparations is used at returning the problem such as insurance cost of acting still mat, still ban repeatedly incessant.
Zhu Jun gives birth to add to say, the germ of the problem depends on the development mode of farming danger be being changed urgently. Current, the management mode of farming danger is in go up somehow was immersed in " violate compasses management court death, close compasses manage die surely " predicament of be in a dilemma, namely the product of windy risk insurance of individual to be based on farmer, if be run below miniature dispersive management state, manage cost tall look forward to, be faced with can last tremendously development pressure; If next management is moved in strong thrust of administration, incidental violate compasses phenomenon, injure the reputation of farming danger, be contrary to with the policy target photograph of farming danger. The national condition that our country farmer gives priority to with be being managed dispersedly in a small way and tradition between farming danger product substantially antipathic. Innovate to realize farming danger to manage mode, should build Pu Hui system of sexual farming risk, with the index insurance replaces traditional farming danger product, reduce trade cost, improve supply efficiency, can last what heighten farming risk thereby development capacity.
9 debatable involve sale misdirect
This year first half of the year, in 33 pieces of superintendency case, have adjacent 9 debatable involve insurance product clause to state element of not rigorous, clause imperfectly, product attribute classifies undeserved, danger to plant attributive and undeserved etc. These problems or misdirect of sale of direct or indirect generation, sale cheats a problem, damage consumer rights and interests.
Mixed early in January 2017 in July, the original meeting that keep watch already allotted " development of product of insurance of property insurance company is how-to " and " put on record about launching property insurance company the product is special the announcement that punish works " , specific insurance company develops insurance product to must not disobey fail-safe concept, must not violate convention of fine of social public order; Punish key includes hype concept and of production stunt, product description is not quite clear wait for a problem.
It is with danger of violet gold money exemple, the first, conduct propaganda and agree not completely actually, in the company setting introduction, road saves fund to run mode, " person injury does not have care " the conduct propaganda of the respect such as characteristic service and agree not completely actually; The 2nd, pay a return visit, expiration does not accord with a regulation, partial guarantee slip did not undertake inside 72 hours by the regulation add of pay a return visit, part keeps business first expiration time antedates guarantee slip maturity 40 days of above; The 3rd, attend a banquet is stated sell with report state stencil to not agree with, attend a banquet was not stated according to what head office unites in the begining in the sale indicate salesperson capacity. Partial attend a banquet is in sale process, did not show disclaimer to the client. Partial attend a banquet in sale process lieutenant general our company clause and other company provision undertook onefold quite.
Sell the account that misdirect, sale cheats to insurance, personage of high level of some insurance company reports to 21 centuries economy the reporter says frankly, on one hand, drive with the interest of mode of insurance salesperson commission, admittance doorsill not tall, quality is uneven etc about; On the other hand, concern to the acknowledge of insurance product with insurance consumer oneself. "The sale is revulsive with acceptance of do sth without authorization, the issue of crisis of insurance consumer credit that brought manage compensate difficulty and deeper administrative levels to insurance company. Although after many punish, but already perplexed insurance old. From long-term look, insurance needs to foster long-term, reason and certainly culture, drive an industry to mature and last healthy progress. Drive an industry to mature and last healthy progress..
Chief expresses related the silver-colored meeting that keep watch, in recent years, superintendency layer takes insurance seriously to sell misdirect and the superintendency that sell a risk to work very. The near future, the silver-colored meeting that keep watch is further aggrandizement sell misdirect to insurance investigate chasten strength. The typical issue that closes right increase in the light of consumer of insurance of damage and prominent firm, the organization is begun " essence of life hits the operation definitely " , treat from in neat formation, from fast processing, from ask again duty; In the light of person insurance sale, channel, product is mixed manage illegally wait for side issue to begin person to be sure " treat chaos to hit blame " special punish, investigate break the law violate compasses act, consolidate normative market order.
Be worth what carry is, recently, the silver-colored meeting that keep watch combines 2017 year to be sure to consume circumstance of complaint handling test, the Chinese birthday after leaning to rank of complaint handling test respectively, new Chinese birthday, person protects life of person of birthday danger, sunshine, peaceful danger of money of Kang Renshou, China, always bring a place difficult of access of money of money danger, peace and tranquility, flower big money danger, numerous how online 10. The main problem that these 10 insurance company exist is centered in insurance consumption to complain an amount system of exorbitant, complaint handling is not fulfilled reach the designated position, sale dispute and manage compensate dispute complain rights and interests of consumer of more, enroach on break the law violate compasses behavior to be highlighted quite wait for a respect.
Nevertheless, a personnel of compensate of basic level manage reports to 21 centuries economy the reporter expresses, when processing is sure to consume complaint handling test, have to ask a process, see a result only, "Compromise without principle ground " . A few insurance company fall to press complain rate, answer superintendency assessment, use force to basic level insurance device, the likelihood appears afore-mentioned phenomena. Make a few complain a person to be with this coerce, steer clear of is normal legal approach, undertake unjustifiable complain, the requirement satisfies his a few not reasonable appeal to beg.
