中国保险监督管理委员会关于加强银行代理人身保险业务管理的通知

发布日期: 2008-09-17


五、各保险公司和商业银行在销售中应当客观公正地宣传银行代理人身保险产品。宣传内容应当符合以下要求:
  (一)不得将保险产品作为储蓄产品介绍。不得套用本金存入等概念,不得将保险产品的利益与银行存款收益、国债收益等进行片面类比,不得将本公司产品与其他公司的相关产品进行片面对比。在宣传时应当全面介绍保险产品,尤其是其保障功能、保险利益的产生基础,并进行风险和费用提示。
  (二)向客户说明保险产品的经营主体是保险公司。在宣传内容上不得出现银行和保险公司联合推出银行推出银行理财新业务等类似字样,不得出现银行的标志、图案。
  (三)应当按保险条款对重要事项进行如实告知,不得夸大或变相夸大保险合同的利益。必须对退保费用、保单现金价值、犹豫期等事项进行明确告知。在向投保人解释时,不得承诺不确定收益或进行误导性演示,不得有虚假、欺瞒或不正当竞争的表述。

    5. The insurance companies and commercial banks shall, in the sale, publicize the bank agency personal insurance products objectively and justly. The publicity contents shall meet the following requirements:

1)The insurance products shall not be introduced as savings products. The concepts of “principal”, and “deposit” may not be arbitrarily applied, the benefits of insurance products shall not be publicized as analogy of the proceeds of bank savings or of national debts in a one-sided way, and the products of the company may not be compared in a one-sided way with the relevant products of other companies. The insurance products shall be publicized in an all-around way in the publicity, especially the guarantee functions, the basis for insurance benefits. The risks and expenses shall be pointed out.

2)Insurance companies shall be the business subjects explaining the insurance products to the clients. The words of “jointly promoted by the bank and insurance company”, “promoted by the bank”, or “new bank financing service”, or other similar words, and the symbol or pattern of the bank may not appear in the publicity contents.

3)Important matters shall be faithfully informed to the clients pursuant to the insurance clauses, and the benefits of the insurance contract may not be exaggerated or exaggerated in a disguised form. The fees for cancellation of insurance, the cash value of insurance policy, and the cooling period, etc., shall be expressly informed to the clients. The insurance companies and commercial banks may not, when explaining to the policy holders, promise any unsure proceeds or make any misleading demonstration, neither may they give any falsified, concealing statements, or statements leading to unfair competition.