合規(guī)快訊——泰康人壽瀘州中支（2022年第一期）

泰康人壽瀘州中支

<h1><ul><li><div align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">監(jiān)管重要政策動(dòng)向：</div></li></ul></h1><p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">1.銀保監(jiān)會(huì)下發(fā)<a href="https://www.jiemian.com/article/7345044.html"> ?《人身保險(xiǎn)銷售行為管理辦法（征求意見(jiàn)稿）》</a>，擬實(shí)施代理人分級(jí)、產(chǎn)品分類，嚴(yán)禁強(qiáng)制搭售健康和養(yǎng)老服務(wù)?！掇k法》對(duì)銷售前、中、后環(huán)節(jié)的具體行為，提出了全方面、精細(xì)化的規(guī)范要求。在《辦法》中，對(duì)代理人進(jìn)行分級(jí)、代理人僅能銷售與其級(jí)別相對(duì)應(yīng)的產(chǎn)品、對(duì)投保人承受能力評(píng)估、禁止服務(wù)與產(chǎn)品的捆綁銷售以及自保件的管理是四大關(guān)鍵點(diǎn)。<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">其中，《辦法》將人身險(xiǎn)產(chǎn)品按照復(fù)雜程度、風(fēng)險(xiǎn)水平等指標(biāo)，將產(chǎn)品從低到高依次分為三類，險(xiǎn)企和中介要根據(jù)銷售人員和保險(xiǎn)產(chǎn)品的分級(jí)結(jié)果，對(duì)銷售人員可銷售產(chǎn)品進(jìn)行差異化授權(quán)，進(jìn)入長(zhǎng)期人身險(xiǎn)銷售環(huán)節(jié)后，保險(xiǎn)公司需要對(duì)投保人開(kāi)展保險(xiǎn)需求分析、風(fēng)險(xiǎn)承受能力與繳費(fèi)能力評(píng)估。并且《辦法》要求險(xiǎn)企和中介對(duì)于4類情形建議投保人終止投保。另外，《辦法》提到，險(xiǎn)司、保險(xiǎn)中間機(jī)構(gòu)、保險(xiǎn)銷售人員不得將健康、養(yǎng)老服務(wù)與人身保險(xiǎn)產(chǎn)品強(qiáng)制搭配銷售。<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">2.銀保監(jiān)會(huì)下發(fā)<a href="http://www.cbimc.cn/content/2022-04/14/content_459832.html04"> 《中國(guó)銀保監(jiān)會(huì)辦公廳關(guān)于啟用人身保險(xiǎn)產(chǎn)品智能檢核系統(tǒng)有關(guān)工作的通知》</a>。<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">銀保監(jiān)會(huì)向各人身保險(xiǎn)公司下發(fā)《中國(guó)銀保監(jiān)會(huì)辦公廳關(guān)于啟用人身保險(xiǎn)產(chǎn)品智能檢核系統(tǒng)有關(guān)工作的通知》明確將在2022年5月1日-22日期間試運(yùn)行“人身保險(xiǎn)產(chǎn)品智能檢核系統(tǒng)”。根據(jù)銀保監(jiān)會(huì)的部署，在試運(yùn)行期間，各人身保險(xiǎn)公司要按系統(tǒng)要求試報(bào)信息，及時(shí)發(fā)現(xiàn)和解決系統(tǒng)使用問(wèn)題。試運(yùn)行期間，原產(chǎn)品報(bào)送方式并行使用。<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">3.銀保監(jiān)會(huì)：推動(dòng)設(shè)立金融穩(wěn)定保障基金、適時(shí)發(fā)布行業(yè)保障基金管理辦法、加強(qiáng)新市民健康險(xiǎn)服務(wù)水平。<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">4月15日，國(guó)新辦召開(kāi)一季度銀行保險(xiǎn)業(yè)運(yùn)行發(fā)展情況發(fā)布會(huì)，銀保監(jiān)會(huì)統(tǒng)計(jì)信息與風(fēng)險(xiǎn)監(jiān)測(cè)部負(fù)責(zé)人劉忠瑞介紹，銀保監(jiān)會(huì)將盡快推動(dòng)設(shè)立金融穩(wěn)定保障基金，為重大風(fēng)險(xiǎn)處置積蓄好后備資金。目前，銀保監(jiān)會(huì)已對(duì)保險(xiǎn)保障基金和信托業(yè)保障基金管理辦法進(jìn)行修訂，將認(rèn)真研究各方面反饋意見(jiàn)，對(duì)兩個(gè)辦法進(jìn)一步修改完善后將適時(shí)發(fā)布。銀保監(jiān)會(huì)首席檢察官、辦公廳主任、新聞發(fā)言人王朝弟表示，要改善“新市民”金融服務(wù)，降低“新市民”創(chuàng)業(yè)融資成本，提高“新市民”創(chuàng)業(yè)就業(yè)的保險(xiǎn)保障水平。王朝弟提出，要優(yōu)化住房金融服務(wù)，支持保障性住房、住房租賃市場(chǎng)健康發(fā)展；提高健康險(xiǎn)服務(wù)水平，加強(qiáng)產(chǎn)品創(chuàng)新，提供靈活、實(shí)惠、便利的團(tuán)體健康保險(xiǎn)產(chǎn)品。<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;"><a href="http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1047157&itemId=915"> ?http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1047157&itemId=915</a> <h1> </h1><h5 style="margin: 5pt 0em; text-align: left; mso-pagination: widow-orphan; mso-outline-level: 5;"> </h5> <ul><li><p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">一季度處罰通報(bào)<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">2022年一季度，全國(guó)壽險(xiǎn)累計(jì)罰單174筆，按罰單筆數(shù)，云南第一24單，貴州第二18單，黑龍江第三16單。按罰款類型主要如下：</li></ul> <div><p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">四川一季度共開(kāi)出3筆罰單，其中瀘州兩筆，宜賓一筆，分別為：<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">瀘州罰單情況：<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">1.因銀?？蛻艚?jīng)理傭金數(shù)據(jù)不真實(shí)，對(duì)銀?？蛻艚?jīng)理處警告,罰款6萬(wàn)元人民幣（<a href="http://www.cbirc.gov.cn/branch/sichuan/view/pages/common/ItemDetail.html?docId=1034476&itemId=2025"> 處罰原文</a>）；<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">2.因未加強(qiáng)對(duì)保險(xiǎn)代理人的培訓(xùn)管理，存在唆使、誘導(dǎo)代理進(jìn)行違背誠(chéng)信義務(wù)活動(dòng)的行為，對(duì)營(yíng)銷培訓(xùn)室主任處以警告并處罰款人民幣1萬(wàn)元；<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">宜賓處罰案例：<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">存在欺騙投保人的違法違規(guī)行為，對(duì)公司處以罰款人民幣5萬(wàn)元，對(duì)中支負(fù)責(zé)人處以警告并罰款人民幣1萬(wàn)元；（<a href="http://www.cbirc.gov.cn/branch/sichuan/view/pages/common/ItemDetail.html?docId=1044635&itemId=2025"> 處罰原文</a>）</div> <h1><h1><h1><ul><li><div align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">學(xué)法守法</div></li></ul></h1><div align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">《中華人民共和國(guó)保險(xiǎn)法》第一百一十六條</div><div align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">保險(xiǎn)公司及其工作人員在保險(xiǎn)業(yè)務(wù)活動(dòng)中不得有下列行為：</div><p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">(一)欺騙投保人、被保險(xiǎn)人或者受益人;<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">(二)對(duì)投保人隱瞞與保險(xiǎn)合同有關(guān)的重要情況;<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">(三)阻礙投保人履行本法規(guī)定的如實(shí)告知義務(wù)，或者誘導(dǎo)其不履行本法規(guī)定的如實(shí)告知義務(wù);<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">(四)給予或者承諾給予投保人、被保險(xiǎn)人、受益人保險(xiǎn)合同約定以外的保險(xiǎn)費(fèi)回扣或者其他利益;<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">(五)拒不依法履行保險(xiǎn)合同約定的賠償或者給付保險(xiǎn)金義務(wù);<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">(六)故意編造未曾發(fā)生的保險(xiǎn)事故、虛構(gòu)保險(xiǎn)合同或者故意夸大已經(jīng)發(fā)生的保險(xiǎn)事故的損失程度進(jìn)行虛假理賠，騙取保險(xiǎn)金或者牟取其他不正當(dāng)利益;<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">(七)挪用、截留、侵占保險(xiǎn)費(fèi);<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">(八)委托未取得合法資格的機(jī)構(gòu)從事保險(xiǎn)銷售活動(dòng);<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">(九)利用開(kāi)展保險(xiǎn)業(yè)務(wù)為其他機(jī)構(gòu)或者個(gè)人牟取不正當(dāng)利益;<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">(十)利用保險(xiǎn)代理人、保險(xiǎn)經(jīng)紀(jì)人或者保險(xiǎn)評(píng)估機(jī)構(gòu)，從事以虛構(gòu)保險(xiǎn)中介業(yè)務(wù)或者編造退保等方式套取費(fèi)用等違法活動(dòng);<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">(十一)以捏造、散布虛假事實(shí)等方式損害競(jìng)爭(zhēng)對(duì)手的商業(yè)信譽(yù)，或者以其他不正當(dāng)競(jìng)爭(zhēng)行為擾亂保險(xiǎn)市場(chǎng)秩序;<p align="justify" style="margin: 5pt 0pt; text-align: justify; line-height: 14pt; text-indent: 24pt; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph; mso-pagination: widow-orphan; mso-line-height-rule: exactly; mso-char-indent-count: 2.0000;">(十二)泄露在業(yè)務(wù)活動(dòng)中知悉的投保人、被保險(xiǎn)人的<a title="商業(yè)秘密" contenteditable="false" href="https://www.66law.cn/special/symm/"> 商業(yè)秘密</a>;(十三)違反法律、行政法規(guī)和國(guó)務(wù)院保險(xiǎn)監(jiān)督管理機(jī)構(gòu)規(guī)定的其他行為 合規(guī)展業(yè)，方可業(yè)績(jī)長(zhǎng)紅！ <p style="margin: 0px; padding: 0px; outline: 0px !important; color: rgb(0, 0, 0); line-height: 1.58em; text-indent: 0em; letter-spacing: 1px; font-family: 微軟雅黑; font-size: 17px; vertical-align: inherit; cursor: text; min-height: 1em; max-width: 100%; box-sizing: border-box !important; caret-color: rgb(0, 0, 0); max-inline-size: 100%;"><br style="text-align: justify; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: 1px; font-family: 微軟雅黑; font-size: 17px; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: pre-wrap; max-width: 100%; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); caret-color: rgb(0, 0, 0); -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;">