2019, insurance is personal already experienced superintendency layer " 3 fire " .
"Arrive from intermediary agent safe from personnel of course of study, from car danger, Internet insurance arrives life insurance, publicize to the product from channel... this is all-around undertake superintendency, we also are stretching tight closely all the time a bowstring, some still do not have those who receive superintendency demand to also begin to begin to prepare, but workload is at present big, still do not have there's still time. " stuff of interior of one insurance company is right " international finance signs up for " the reporter says frankly.
"Insurance receives final examination! " Shenzhen is sure intermediary controller plaints of late.
"3 calm " hand over the job to fall into end gradually, superintendency layer is beginning the job with new hand, insurance considered rising new round change. This paragraph of time in the past, each respect such as danger of procuratorial, channel, life insurance, car welcomes final examination.
Check agent
Right now, be placed before main forces of 8 million insurance, it is one is squeezed go the platoon of moisture is checked.
Just asked intermediary is procuratorial, on March 14, superintend allotted an announcement to insurance company again -- " sell about launching insurance company from personnel of course of study hold the announcement that clear nucleus of the trade data that register works " .
Insurance company is engaged in all personnel of insurance sale, the formal employee that pursues insurance sale, service sends the member that full-time of personnel, blame uses a worker, the attention object that danger, round danger, silver protects the agency system that waits for all channel to wait from personnel of course of study is nucleus of this second Qing Dynasty. And ask not only register in the round without omit, still must fill in the round allow and check without difference, in the clasp on 3 link.
This second makes a thorough investigation of oneself nuclear requirement insurance company is finished entirely before May 31, the newspaper that pursue course sends check, arrive all the time before October 31, each district silver protects inspect bureau to reflect area job condition in the round to the silver-colored meeting that keep watch.
Yang Xiaoming of controller of office of district of health insurance Yunnan tells peaceful " international finance signs up for " reporter, "We are we are in check really, clear for example empty is hanged, the identity nots agree with, it is the platoon checks a key. But the file that saves a company to still confiscate Yunnan silver to protect inspect bureau temporarily. But the file that saves a company to still confiscate Yunnan silver to protect inspect bureau temporarily..
"A lot of people sell insurance the part-time job that is spare leisure only, but because a few relations are OK,arrive date of insurance company go to work. " high risk engineer tells some insurance company " international finance signs up for " reporter.
This the platoon is checked also is to be in expected. On March 8, silver protected inspect to be able to allot " about beginning orgnaization of safe and professional intermediary from personnel of course of study hold the announcement that clear nucleus of the trade data that register works " , requirement intermediary orgnaization fills from personnel clear empty, subject homing, information complete, strengthen safeguard all directions face to undertake be checked oneself and be rectifyinged.
The announcement shows,
Data shows, up to by 2018, company of group of intermediary of countrywide mutual insurance 5, company of national insurance representative 240, company of regional insurance representative 1550, insurance broker company 499, already put on record company of insurance official estimate 353, individual insurance is procuratorial 8.71 million person, insurance holds trade representative orgnaization concurrently 32 thousand, acting site more than 220 thousand.
"Know to be sure how to many have from personnel of course of study without the person really, the actual condition of holiday of true true and false, empty is true, check is OK and normative industry condition. " the personage inside industry of one Beijing region tells " international finance signs up for " reporter.
Channel beefeater battle
Insurance intermediary worries about procuratorial rice bowl not only, oneself business is begun also is gingerly, on thin ice.
On Feburary 26, chinese silver protects inspect to ever also can allot an announcement to express, want to strengthen government of business of insurance intermediary channel, requirement insurance company should strengthen the management of main body of pair of cooperative intermediary channel, must not use intermediary channel to begin break the law violate compasses activity to wait, can calls China the the the most specific, most complete, rigiddest intermediary channel business on insurance history consolidate measure.
Zhu Jun of vice director of lab of insurance of research center of development of the State Council is unripe accepting " international finance signs up for " when the reporter is interviewed, express, superintendency branch publishs intermediary to superintend policy continuously, what prevent the strength of the risk, elephant that treat chaos it is thus clear that is big, also pay no attention to with the management state of whole last year insurance want to be not divided. "In side of car risk business, a lot of companies depend on intermediary channel badly, also bring about its to lack speech authority for a long time before intermediary. Below this kind of circumstance, should emphasize insurance company be opposite not only the main body responsibility of intermediary orgnaization, also want market of normative insurance intermediary " .
All along " cultivate greatly into alive " silver maintains channel, latter also incessantly of complain of suffering.
Recently, superintendency branch drafted " business of insurance of commercial bank representative runs way (ask for an opinion to stalk of grain) " (next weighing " administrative opinion stalks of grain " ) , seeking an opinion inside little scope at present.
On the base of much portion file that runs method to concern silver to protect channel to superintend before in conformity, to the bank admittance of orgnaization of representative holding course of study concurrently is mixed exit, raise systematic requirement from the respect such as action of personnel of course of study, market and evaluation system, exert oneself solution sells misdirect and poundage to violate definitely compasses pay wait for outstanding issue, strive implementation acts as agent to the commercial bank the whole technological process of insurance Wu is superintended. Made clear silver to protect business admittance to exit a mechanism, blow sells misdirect.
Administrative opinion draft put forward first degrees to will act as agent to the commercial bank insurance Wu channel builds superintendency evaluation system. The silver-colored meeting that keep watch will evaluate business of insurance of commercial bank representative integratedly to manage a case, according to the evaluation the result differentiates for A, B, C, D4 kind. A kind the commercial bank can sell insurance product inside limits of insurance company accredit, b kind the commercial bank must not sell person safe and new-style product, c kind the commercial bank must not be sold life-insurance with healthy insurance, d kind the commercial bank must not begin acting insurance professional work.
Exhibit course of study to need normal
Insurance market also is faced with superintend. Car danger and life insurance from fall and aspirant travel examination.
A few days ago, superintendency department of risk of money of the silver-colored meeting that keep watch protects inspect bureau to send to each silver " the case that superintends concerned circumstance about market of danger of near future car " . This case content shows, up to on Feburary 20, the 9 ground silver such as Zhejiang, Guangxi, Anhui, Henan, Sichuan, Shandong, Qingdao, Xinjiang, Shanxi protects inspect bureau, already planned sheet to list city and ground city step to 24 early or late insurance device, Zuo takes those who stop clause of commercial car danger and cost rate to superintend measure. Up to on March 5, since this year, 9 ground silver protects inspect bureau to already planned sheet to list the insurance device of class of city, ground city to 26 early or late, Zuo takes those who stop clause of commercial car danger and cost rate to superintend measure. Insurance device comes from class of city of these 26 ground respectively at company of risk of money of person of 8 domestic discipline exercised by the head of a feudal household.
On March 20, to understand company whole situation in the round, establish strategy of processing of company legal person, development, business to manage, the venture joins the state such as compasses, build a company to superintend archives, perfect the data base that blame spot superintends, enhance superintendency effectiveness, specific aim further, following of life insurance of the silver-colored meeting that keep watch is sent " the announcement that sends a company relevant message about the newspaper " , requirement life insurance and the message that the annuities that establish a letter runs newspaper of finite liability company to send the respect such as management.
Basis " announcement " requirement, the message that this newspaper of need of danger look forward to sends includes company fundamental condition, company to administer circumstance, business to manage state, capital to apply circumstance, financial standing, exterior superintend reach grade to evaluate circumstance, company to developed danger of zephyr of program, main problem to wait 2019. It is reported, each company need mixes above message before April 10 material newspaper sends the silver-colored meeting that keep watch life insurance department, if have delay, need specification defers to sign up for sent reason, but the newspaper sends time to must not be later than on April 30.
