保险兼业代理管理暂行办法

发布日期: 2008-09-17


第二十一条 保险兼业代理人只能在其主业营业场所内代理保险业务,不得在营业场所外另设代理网点。

第二十二条 保险兼业代理人从事保险代理业务,不得有下列行为:
  (一)擅自变更保险条款,提高或降低保险费率;
  (二)利用行政权力、职务或职业便利强迫、引诱投保人购买指定的保单;
  (三)使用不正当手段强迫、引诱或者限制投保人、被保险人投保或转换保险人;
  (四)串通投保人、被保险人或受益人欺骗保险人;
  (五)对其他保险机构、保险代理机构做出不正确的或误导性的宣传;
  (六)代理再保险业务;
  (七)挪用或侵占保险费;
  (八)兼做保险经纪业务;
  (九)中国保监会认定的其他损害保险人、投保人和被保险人利益的行为。

Article 21 A concurrent-business insurance agent may only undertake the insurance business inside its main business premise, and shall not separately set up agency offices outside its business premises.

Article 22 A concurrent-business insurance agent shall not have any of the following acts when it engages in the business of insurance agency:

(1) to, without authorization, modify the insurance clauses, or raise or lower the insurance premium;

(2) to, by taking advantage of administrative power or of duty or occupational conveniences, force or entice a insurer to purchase the designated insurance policy;

(3) to, by unfair means, force, entice or limit a insurer or insured to take out insurance policies or change the insurer ;

(4) to collude with the insurer, the insured or the beneficiary to deceive the insurer ;

(5) to make incorrect or misleading propaganda to other insurance institutions or insurance agency institutions;

(6) to undertake the business of a re-insurance agency;

(7) to misappropriate or embezzle the insurance premium;

(8) to concurrently engage in the business of insurance brokerage;

(9) other acts ascertained by the CIRC to have damaged the benefits of the insurer, the insurer or the insured.