People net Beijing report kept watch according to Chinese silver on April 2 meeting website message, on April 2, chinese silver keeps watch meeting print and distribute is safe 2019 intermediary market chaos resembles repair work program, the decision is begun chaos of insurance intermediary market resembled repair work 2019.
Plan is textual as follows:
Chaos of insurance intermediary market resembled repair work program 2019
In recent years, through a series of insurance intermediary special inspection and random elephant processing work, each insurance device adds up to compasses consciousness to promote somewhat, of all kinds risk gets apparent keep within limits, but still have partial orgnaization accuse to manage the canal below the line on non-standard, line to accuse measure inside existence abhorrent wait for a problem, chaos of insurance intermediary market nots allow to ignore like the problem. Carry out a party for development 19 big, 19 2 medium, 3 in spirit of conference of job of banking of plenary meeting spirit and conference of central economy job, whole nation, fulfil conference of job of supervisory management of countrywide banking and insurance is relevant 2019 requirement, market of intermediary of insurance of further keep within limits breaks the law violate compasses chaos to resemble, the silver-colored meeting that keep watch decides to begin chaos of insurance intermediary market resembled repair work 2019, make plan be as follows now:
One, working purpose
The risk that exists to insurance intermediary market is on guard weak, canal accuses consciousness responsibility is not fulfilled reach the designated position, the random elephant such as as illegal as platform of tripartite network collaboration has key repair, gravity is investigated relevant break the law violate compasses act. Through working to force like punish in disorder insurance device is strengthened inside accuse to manage, appropriate deals with potential risk, order of activity specification market, market of stimulative insurance intermediary is long-term and firm develop.
2, punish content
This second chaos basically includes 3 keys job like repair work: 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. Point of specific repair work is as follows:
(One) each insurance company should cogent fulfill intermediary channel canal to control liability, comply with law develop management activity, heavy o'clock sharp controls the following aspect:
Whether does 1. pass dummy intermediary business, false row to raise etc set take charge. If empty hangs receivable insurance premium, empty to open duty Wu bill, false correct or cancel guarantee slip, fictional retreat protect etc set take charge; The insurance accident that dummy insurance contract, fictional have not produces or exaggerate intentionally the rate of insurance accident loss that has produced undertakes false manage compensate, diddle insurance gold or seek other profiteering; Channel of business of channel of fictional and false intermediary, dummy intermediary raises expenses of intermediary channel business to perhaps weave from data of personnel of course of study, false row provide report of false intermediary channel business, forms for reporting statistics, file and data.
Whether does 2. sell the blame without approval to insurance banking product, existence collects money illegally or pass sell to be.
Whether does 3. abet, policy-holder of deceit of principal part of business of revulsive intermediary channel, misdirect, insurant or beneficiary beneficiary.
Whether does 4. use intermediary channel business to be other orgnaization or individual obtain profiteering.
Whether does 5. offer policy-holder, insurant, beneficiary beneficiary the benefit besides insurance contract agreement through principal part of intermediary channel business.
Whether is 6. entrusted the orgnaization that did not gain lawful competence or did not undertake hold course of study is registered, moral not the beautiful, individual that does not have insurance to sell place to require professional knowledge is engaged in insurance sales compaign.
Whether does 7. collude with divert of principal part of intermediary channel business, hold back and embezzlement insurance premium.
(2) orgnaization of each insurance intermediary should be strengthened inside accuse to manage, be on guard management risk, heavy o'clock sharp controls the following aspect:
Whether does orgnaization of intermediary of 1. insurance major pass the means such as dummy intermediary business to assist insurance company to cover take charge.
Whether does orgnaization of intermediary of 2. insurance major sell the product of blame insurance banking without approval.
Whether does orgnaization of intermediary of 3. insurance major offer policy-holder, insurant, beneficiary beneficiary the benefit beyond insurance contract agreement.
Whether does orgnaization of intermediary of 4. insurance major press a regulation to undertake to the salesperson hold course of study is registered.
5. bank kind insurance holds trade representative orgnaization concurrently to whether exist to deposit money insurance product and deposit, product of bank conduct financial transactions is promiscuous, apply mechanically " capital " " accrual " " stock " wait for a concept, wait for insurance product earnings and bank deposit accrual, national debt accrual one-sided analogy, covert the misdirect behavior such as accrual of accrual of exaggerated insurance contract, affirmatory and fixed share out bonus.
6. is sure to hold trade representative orgnaization concurrently whether to insurance company or collection of its staff member or the interest outside asking for cooperative agreement to agree.
(3) each insurance device (orgnaization of intermediary of insurance company, insurance) should according to " Internet insurance business superintends temporary measure " (the following abbreviation " temporary measure " ) wait for a regulation to begin Internet insurance Wu, standard and business of platform of tripartite network cooperate, prohibit tripartite platform pursues insurance intermediary business illegally, heavy o'clock sharp controls the following aspect:
The platform of tripartite network of 1. insurance device collaboration and whether are its confined to insurance product to reveal the sale such as link of specification, webpage to assist a service from the management activity of personnel of course of study, be engaged in compensate of insurance sale, accept insurance, manage whether illegally, retreat protect wait for insurance Wu link.
2. insurance device whether with from logic money, P2P leasehold, financing rents the existence of platform of tripartite network that waits for Internet finance to cooperate.
3. whether does insurance device fulfill pair of collaboration by the regulation responsibility of main body of supervisory government of tripartite platform.
Whether is the platform of tripartite network of 4. insurance device collaboration accorded with " temporary measure " concerned regulation.
The client of the platform of tripartite network of 5. insurance device collaboration is cast protect an interface whether by insurance device all assume combine compasses responsibility, whether is tripartite platform put in era to close insurance premium and turn pay a phenomenon.
Whether does the platform of tripartite network of 6. insurance device collaboration disclose information of cooperative insurance device in prominent place, platform of tripartite network is announced to be sure in China in prominent place the exposure information of platform of guild information exposure, hint insurance Wu is offerred by insurance device.
Whether does the platform of tripartite network of 7. insurance device collaboration restrict insurance device according to the facts, get a client in time pertinent information.
3, working arrangement
(One) check oneself rectify and reform level. In April 2019 - in June, each silver-colored bureau that keep watch should organize administer inside each insurance device (orgnaization of intermediary of insurance company, insurance) begin seriously check oneself, each orgnaization should want a dot to contrast to be checked oneself seriously according to repair work, in check a foundation to go up to be finished actively oneself rectify and reform. Each insurance device should be checked oneself at be being finished before June 30 rectify and reform the job and silver of written report area under administration protects inspect bureau.
(2) superintend selective examination level. In July 2019 - in November, each silver-colored bureau that keep watch should be in check oneself rectify and reform begin on the foundation superintend selective examination. Selective examination to resemble and selectiving examination the amount maintains inspect bureau ground by each silver write one's own ticket of circumstance of area under administration. Selective examination to build orgnaization of safe and insurance company, professional intermediary to elephantine Ying Han (representative, broker, official estimate) , insurance holds trade representative orgnaization concurrently (contain a bank kind orgnaization of representative holding course of study concurrently) 3 kinds of orgnaizations,
(3) summary reports level. Each silver protects inspect bureau to answer on November 30, 2019 before, to the silver-colored meeting that keep watch intermediary ministry newspaper sends chaos of insurance intermediary market elephantine punish working report, report content should include an organization to carry out, the orgnaization investigates a case oneself, superintend selective examination the content such as circumstance, administrative punishment circumstance and working proposal, and fill in a form and submit it to the leadership each form (detailed sees accessory) .
4, working requirement
(One) unified thought, strengthen an organization. Each silver-colored bureau that keep watch should stand in fulfil countrywide finance working conference spirit, prevent the political height that controls financial venture to take chaos seriously to resemble repair work, punish of will random elephant is sure as the standard intermediary market order, be on guard the important grasper that dissolves market risk, with superintend photograph union daily, often catch indefatigable. Cogent strengthen constituent leader, conformity superintends force, ensure chaos obtains actual effect like repair work.
(2) encourage from correct, lichali changes. Want the main body responsibility of aggrandizement insurance device. Each insurance device should resemble the leading controller of repair work in disorder certainly, ensure measure reachs the designated position, responsibility arrives person. From the counterpoise in checking dot problem and weak point edge check an edge to change, once discover a system,diseased, management does not reach the designated position, the case with bigger hidden trouble of operation disagreement compasses, risk, answer to be rectified and reform instantly, decisive processing. Fulfil to the company reveals a problem actively in be checked oneself and be being rectified and reform reach the designated position, avoid lawfully at processing.
(3) classification deals with, squeezing ramming responsibility. Each silver-colored bureau that keep watch should carry state of superintendency high pressure from beginning to end, investigate gravely lawfully of all kinds break the law violate compasses problem. In be checked oneself to insurance device existence hides the truth from behavior of newspaper fail to report sth or do not rectify and reform those who reach the designated position, want lawfully from severe from heavy punishment, investigate senior administrator and relevant personnel duty lawfully. Each silver-colored bureau that keep watch should fulfil apanage strictly to superintend duty, squeezing ramming superintends responsibility, because working not do one's best or neglect one's duty are broken duty bring about relevant risk assemble, cause serious consequence or affect badly, will chase after according to compasses gravity lawfully accusatorial duty.
(4) drive in order, seasonable collect. Each silver-colored bureau that keep watch should promote repair work in order, schedule of reasonable arrangement work. The orgnaization checks level to want to become good area under administration oneself each insurance device checks the superintend and director that rectifies and reform a circumstance to guide oneself the job that check, superintend selective examination level should do good spot examination to carry out reach sequel to punish the job. The typical issue that exists to insurance intermediary market and outstanding risk, want to appear in the newspaper in time, analyse deep, pay attention to the account that searchs problem generation from the mechanism, put forward to solve problem and the basic measure that dissolve a venture.
