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In the first half of the year, insurance institutions were fined nearly 100 million short videos and live selling insurance, which became a serious area of illegal activities Li Zhihong, 21st century economic report Since the beginning of this year, the property insurance industry has been fined 188 times, with a cumulative fine of more than 50 million yuan, accounting for more than 50%. The \ According to the statistics of journalists from the 21st century economic report, since this year, the CIRC has punished 411 insurance institutions, with a cumulative fine of 90 million yuan, an increase of more than 40% over the same period last year. In these tickets, the property insurance industry accounts for half of the total, and the \

what is worth noting is that with the rise of Internet insurance, the management of insurance product sales is weakened, and the operation ability can not keep up with the progress of innovation, which leads to new misleading phenomenon and the market chaos around innovation.

On July 16, Wang Xuwen, deputy director of the life insurance department, pointed out that lottery app was one point faster than three, and the insurance market chaos showed a new phenomenon. With the emergence of Internet insurance, lottery app is becoming more and more popular, financial technology has enabled the traditional sales channel lottery app to be fast, the management of insurance product sales link is weakened, and the operation ability can not keep up with the progress of innovation, which leads to new misleading phenomenon and the chaos of the market around innovation.

The \ Since this year, the property insurance industry has been fined 188 times, with a cumulative fine of more than 50 million yuan, accounting for more than 50%. The \ Among them, three tickets issued by Guangdong banking and Insurance Regulatory Bureau set a record for the amount of tickets issued by local regulatory authorities. In May this year, the Guangzhou Branch of Tan ran property insurance was fined 1.52 million yuan, and the child company was 1.43 million yuan, with a fine of 2.95 million yuan; the Guangzhou Branch of PICC Property Insurance was fined 1.37 million yuan, and the child was fined 0.33 million yuan, and the two were 1.79 million yuan; the Guangzhou Branch of Zhonghua Insurance Co., Ltd. was fined 1.19 million yuan, and the child was fined 0.33 million yuan.

The reason for this lies in the following problems: failing to comply with the regulations to exercise the permitted premium rate; giving the applicant and the insured insurance premium rebate and other benefits beyond the agreement; falsely listing the claim settlement expenses; refusing to fulfill the duty of compensation insurance benefits in accordance with the law.

The topics of PICC Property Insurance include giving the applicant and the insured other benefits beyond the agreement of insurance conformity; exercising the insurance agent's arbitrage by means of virtual insurance intermediary business; refusing to fulfill the compensation duties as agreed in accordance with the law; false raw materials of agricultural insurance business; failure to comply with the provisions of the registered insurance terms and premium rates.

The title of China's consistent property insurance is virtual economic business; other benefits beyond the agreement are given to the applicant and the insured; the insurance agent is engaged in obtaining fees by means of virtual insurance intermediary business; the financial data of agricultural insurance business is not standardized; the personnel without qualification approval actually perform the duties of senior managers.

During the same period, the personal insurance industry was fined 88 times, with a cumulative fine of more than 18 million yuan. Among them, PICC Life Insurance received the largest penalty, the head office was fined 1.35 million yuan, the central sales center of 6 electrical appliances was fined 800 thousand yuan, 15 young people were fined 1.23 million yuan, and the head office, 6 central sales center and 15 related responsible persons were fined 3.38 million yuan.

in detail, there are some local insurance policies sold by the central government of the 6 household appliances sold in Hebei and Chengdu, such as those in the central government of the people's Republic of China, such as those in the central government of the people's Republic of China, such as those in the central government of the people's Republic of China (hereinafter referred to as the \ In addition, insurance intermediaries were fined 135 times, with a cumulative fine of more than 16 million yuan. Due to the diversity of the penalty tickets of insurance intermediaries, in addition to the light of the far-reaching punishment items of insurance companies, such as systematic or selective supply of financial raw materials, there are still some problems, such as failing to go through the practice registration according to the regulations, changing the trading place, failing to report the regulatory part within the prescribed time limit, exercising business convenience to seek improper benefits for other institutions or young people, exercising different rules for trading funds or failing to actually take custody The types of punishment held by intermediary institutions, such as arbitrage service charges, failure to open independent commission collection accounts, false listing of commission arbitrage funds, etc.

In May this year, the cbcirc issued the work plan for rectifying the disorder in the insurance intermediary market in 2020 to all the insurance regulatory bureaus, which clarified the key points of rectifying the disorder in seven aspects of the insurance intermediary market in 2020, and included the main business, internal control, marketing and risk of the insurance intermediary market into the rectification work. According to the \

short video and live broadcast become the severely illegal disaster area

With the development of Internet insurance, some market chaos has expanded from offline to online.

In January this year, Zhejiang banking and Insurance Regulatory Bureau issued a fine of 1.9534 million yuan for engaging in insurance intermediary business. Although Fansheng technology has decided in 2019 that the subsidiary investment holding company has obtained the national insurance brokerage license, the operation before obtaining the license violates the insurance law that \ Song Zhanjun, deputy director of insurance at Beijing business and Business University, believes that this not only reflects the depth of the new media live broadcast means around the insurance, but also reflects the risk of violation of regulations in the marketing of insurance through new media channels.

Zhu Junsheng, Professor of the State Council's development and Research Institute of central finance, told reporters in the 21st century economic report that in addition to standardizing the company's behavior and strengthening the cultivation of consumers, the operation of Internet insurance can set up the signing standards of Internet insurance compliance, and the supervision part should also improve the supervision of Internet insurance business, such as those that show their duties on Internet insurance The main body should be further defined, expanded to specialist or part-time agency website, third-party network platform and other subjects, and strictly standardize the electronic insurance policy information file storage.

since this year, employees of insurance companies such as AXA Life Insurance, Huatai life insurance and Guohua life insurance have decided to enter the wechat peer circle and be punished for misleading publicity. The marketing information released by these insurance practitioners in the wechat peer circle has such problems as miscellaneous unilateral comparison, false publicity, speculation and stop selling.

On June 22, Beijing Banking and Insurance Regulatory Bureau printed and issued the \ On June 30, the China Banking and Insurance Regulatory Commission (CIRC) issued the \ According to Xiaochang, the CIRC will continue to thoroughly control the market chaos and cherish the rights of insurance consumers. In view of the problems such as non-standard sales, difficulty in settling claims and ambiguity in terms, the supervision department will resolve various means such as on-site inspection, reporting and investigation, off-site supervision, etc., and vigorously attack all kinds of crimes and violations and purify the market order.

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