中国保险监督管理委员会、中国银行业监督管理委员会关于规范银行代理保险业务的通知

发布日期: 2008-09-17


中国保险监督管理委员会、中国银行业监督管理委员会关于规范银行代理保险业务的通知
(保监发〔200670号)

 

各保监局,各银监局,各保险公司,各国有商业银行、股份制商业银行,国家邮政局邮政储汇局,各省级信用联社:
  近年来,保险公司与商业银行的合作不断加强,在拓宽保险服务领域、提供综合金融服务、满足社会需求等方面发挥了积极作用。但在双方合作的过程中,也出现了一些不规范的行为,不仅损害了消费者利益,也影响了各自业务的健康发展。为进一步规范银行代理保险业务,防止商业贿赂,防范金融风险,促进银行保险业务持续、健康发展,根据《中华人民共和国保险法》、《中华人民共和国商业银行法》等有关法律法规,现将进一步规范银行代理保险业务的有关要求通知如下:

  一、加强代理机构资格管理
  (一)商业银行代理保险业务,其一级分行应当取得保险兼业代理资格。
  (二)保险公司不得委托没有取得兼业代理资格的商业银行开展代理保险业务。
  (三)每个兼业代理机构可以与多家保险公司建立代理关系。兼业代理机构应当根据自身业务发展情况和风险管控能力确定合作的保险公司数量。

  二、加强代理业务内部管理
  (一)保险公司应当建立完整规范的银行保险兼业代理机构登记簿,成立专门的管理部门负责管理银行保险业务,加强内部管理及相关制度建设,定期开展对制度执行情况的内部监督检查。
  (二)从事代理保险业务的商业银行应由专门部门或专人负责保险代理业务,加强相关内控制度建设,定期开展对制度执行情况的内部监督检查。
  (三)各保险公司、商业银行均应按照兼业代理保险业务的有关规定,建立银行代理保险业务档案,逐笔记录有关要素和信息。
  (四)保险公司和商业银行应加大电子化建设力度,完善银行代理保险业务电子化操作系统和账务系统,减少手工操作。

  三、规范手续费管理
  (一)保险公司和商业银行开展银行代理保险业务,应当在平等互利、友好协商、着眼长远的基础上签订合作协议,明确代理手续费支付标准。
  (二)保险公司应当按照财务制度据实列支向商业银行支付的代理手续费。保险公司不得以任何名义、任何形式向代理机构、网点或经办人员支付合作协议规定的手续费之外的其他任何费用,包括业务推动费以及以业务竞赛或激励名义给予的其他利益。
  (三)商业银行代理保险业务应当进行单独核算,不得以保费收入抵扣代理手续费。代理手续费收入要全额入账,严禁账外核算和经营。商业银行及其工作人员不得在合作协议规定的手续费之外索取或接受保险公司及其工作人员给予的其他利益。
  (四)保险公司向商业银行支付代理手续费,应当按照《国家税务总局、中国保监会关于规范保险中介服务发票有关问题的通知》(国税发〔200451号)规定,由商业银行开具《保险中介服务统一发票》。

  四、规范销售人员资格管理
  (一)保险公司应正确指导银行保险兼业代理机构及其业务人员的销售行为,并对该机构在授权范围内的代理行为依法承担责任。
  (二)商业银行代理销售保险产品的工作人员应定期接受相关业务培训。培训费用由保险公司承担的,应当在合作协议中明确培训的次数、方式、内容及培训费标准。培训内容应包括法律法规、业务知识、销售技能及职业道德等,每年培训时间不得少于监管部门规定时数。保险公司委托代理机构销售人身保险新型产品的,还应按照有关规定对销售人员进行专门培训。
  (三)保险公司应积极引导银行代理销售人员参加销售人员资格考试,取得《保险代理从业人员资格证书》和监管部门要求的其他资格认证。20061031日以后,销售投资连结类产品、万能产品,以及监管机构指定的其他类产品的银行代理销售人员,必须通过保险代理从业人员资格考试,取得《保险代理从业人员资格证书》。
  (四)保险公司可以设立银保专管员负责银行代理网点保险业务的培训、联络和相关服务。银保专管员由保险公司正式员工担任,必须通过保险代理从业人员资格考试,取得《保险代理从业人员资格证书》。

  五、规范产品销售
  (一)各保险公司和商业银行应切实加强银行代理保险产品的宣传和信息披露管理。各类宣传材料应由保险公司总公司或其授权的分公司统一印发和管理,严禁分支机构、代理网点或销售人员擅自印制宣传材料或变更其内容。
  (二)宣传材料应当按照保险条款全面、准确描述保险产品,要在醒目位置对经营主体、保险责任、退保费用、现金价值和费用扣除情况进行提示,不得夸大或变相夸大保险合同利益,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。销售人员在销售过程中应当客观公正地宣传银行代理保险产品,不得进行误导或不实宣传。
  (三)保险公司应与银行加强合作,针对银行客户的保险需求以及银行销售的特点,细分市场,开发多样化的、与银行产品互补的保险产品。
  (四)鼓励保险公司深入挖掘与银行的合作潜力,将合作领域扩大到柜台以外的网上银行、信用卡、以及对公业务等方面,积极探索非柜面销售模式,如理财专柜、电话、直复营销以及对企业客户的销售。

  六、加强监督检查
  (一)各保监局、银监局应按各自职责加强监督检查,严厉查处销售误导、账外核算、乱列费用等违法违规和不正当竞争行为。
  (二)各保险公司和商业银行应努力为客户提供全面的售前和售后服务,并积极配合当地保监局、银监局做好客户投诉处理工作,切实保障客户的合法权益。

  七、加强行业内外沟通与交流
  (一)各保监局、各银监局应督促当地保险行业协会、银行业协会尽快采取行业自律措施,建立行业内部沟通协调机制,加强自我约束和相互监督,共同维护银行保险市场的正常秩序,打击商业贿赂,遏制恶性竞争。
  (二)各保监局和各银监局应建立沟通交流机制,定期通报情况,协调有关政策。
  本通知自发文之日起执行。保险公司和商业银行已经签署的银保合作协议如不符合本通知有关要求,应当在2006930日前根据本通知进行修订或重新签署合作协议。
  邮政储汇机构、城市信用社、农村信用社参照本《通知》执行。

 中国保险监督管理委员会
中国银行业监督管理委员会
○○六年六月十五日

Notice of China Insurance Regulatory Commission and China Banking Regulatory Commission on Regulating the Bancassurance Business

(No.70 [2006] of China Insurance Regulatory Commission)


All the insurance regulatory bureaus, banking regulatory bureaus, insurance companies, state-owned commercial banks and joint stock commercial banks, China Postal Savings and Remittance Bureau, and all the credit cooperatives at the provincial level:

In recent years, the cooperation between insurance companies and commercial banks has been continuously strengthened, which plays an active role in widening insurance service fields, providing comprehensive financial services, and satisfying social demands, etc. However, during the course of cooperation between the aforesaid both parties, there are also some irregular acts, which have not only damaged the interests of consumers but also affected the healthy development of their respective businesses. In order to further regulate the bancassurance business, prevent commercial bribery, guard against financial risks, and promote the continuous and healthy development of the bancassurance business, we hereby notify the relevant requirements on further regulating the bancassurance business as follows according to the Insurance Law of the People’s Republic of China, the Law of the People’s Republic of China on Commercial Banks and other relevant laws and regulations:

I. Strengthening the Qualification Administration of Agents

(1)If a commercial bank engages in the vicarious insurance business, its first-level bank shall obtain the qualification for concurrent insurance agents.

(2)An insurance company shall not entrust a commercial bank that has not obtained the qualification for concurrent insurance agents to engage in the vicarious insurance business.

(3)Each concurrent insurance agent can establish a vicarious relationship with two or more insurance companies, however, it shall determine the number of insurance companies to cooperate with according to the development conditions on its own business and its risk control capacity.

II. Strengthening the Internal Management of the Bancassurance Business

(1)An insurance company shall establish a complete and normalized register of bancassurance agents, form a special management department to take charge of the management of bancassurance business, strengthen the internal management and relevant institutional construction, and regularly carry out the internal supervision and inspection of the implementation of rules.

(2)A commercial bank engaging in the vicarious insurance business shall arrange a special department or personnel to take charge of the vicarious insurance business, strengthen the construction of relevant internal control systems, and regularly carry out the internal supervision and inspection of the implementation of rules.

(3)Each insurance company or each commercial bank shall, according to the relevant provisions on the bancassurance business, establish the archives on the bancassurance business for recording down the relevant elements and information item by item.

(4)Both the insurance company and the commercial bank shall reinforce the electronic construction, improve the electronic operating system and the financing system for the bancassurance business, and reduce manual operations.

III. Regulating the Administration of Commission Charges

(1)To engage in the bancassurance business, a insurance company and a commercial bank shall conclude a cooperation contract and specify the rates for commission charges on the basis of equality, mutual benefits, friendly consultation and long-term vision.

(2)An insurance company shall faithfully arrange the commission charges to be paid to commercial banks according to the financing rules, and shall not pay any fee other than the commission charges stipulated in the cooperation contract to any agency, outlet or handling person under any excuse or in any form, including the business promotion fees and other interests given in the name of business contest or incentive.

(3)The vicarious insurance business of a commercial bank shall be subject to separate assessment, and the commission charges shall not be deducted from the incomes obtained from premiums. All the incomes from commission charges shall be incorporated into the accounts, and all off-account assessments or operations shall be strictly prohibited. No commercial bank or any of its staff members can seek for or accept the interests given by insurance companies or their staff members other than the commission charges as stipulated in the cooperation contract.

(4)If an insurance company pays commission charges to a commercial bank, the commercial bank shall issue a Uniform Invoice for Insurance Intermediary Services according to the Notice of the State Administration of Taxation and the China Insurance Regulatory Commission about the Relevant Issues on Regulating the Invoices for Insurance Intermediary Services (No.51 [2004] of the State Administration of Taxation).

IV. Regulating the Qualification Administration of Sales Representatives

(1)An insurance company shall correctly guide the selling acts of any bancassurance agent and its operational staff, and shall assume liabilities for the vicarious acts committed by the aforesaid agent within the scope of authorization.

(2)The personnel of a commercial bank for selling insurance products on commission shall regularly receive relevant professional trainings. The training fees shall be borne by the insurance company, and the time arrangements, methods and contents of trainings as well as the rates of training fees shall be specified in the cooperation contract. The contents of trainings shall include the laws, regulations, professional knowledge, marketing skills and professional ethics, etc., and the training time for each year shall not be less than the hours prescribed by the regulatory organ. If an insurance company entrusts an agent to sell new-type personal insurance products, it shall also organize special trainings for the sales representatives according to the relevant provisions.

(3)An insurance company shall actively guide the vicarious sales representatives of banks to sit for the qualification examination for sales representatives and to obtain a Qualification Certificate for Insurance Agents as well as other qualification certificates as required by the regulatory organ. After October 31, 2006, all vicarious sales representatives shall pass the qualification examination for insurance agents and obtain a Qualification Certificate for Insurance Agents if he plans to sell investment-linked products, omnipotence products or any other kind of products as designated by the regulatory organ.

(4)An insurance company can arrange an advisor of bancassurance to take charge of the trainings, contacts and relevant services concerning the insurance business of vicarious banking outlets. The advisor of bancassurance shall be a regular employee of the insurance company, have passed the qualification examination for insurance agents and obtained a Qualification Certificate for Insurance Agents.

V. Regulating the Selling of Products

(1)Each insurance company and each commercial bank shall practically strengthen the propaganda of bancassurance products and the management of information disclosure. Each kind of promotional materials shall be uniformly printed, distributed and managed by the head office of the insurance company or the branch it authorized, and the branch, vicarious outlet or sales representative is strictly prohibited from illegally printing promotional materials or altering their contents.

(2)Promotional materials shall comprehensively and accurately describe insurance products according to the insurance clauses, disclose the operators, insurance liabilities, surrender charges, cash value and costs deduction in the eye-catching places, and shall not magnify or do so in any disguised form the interests from the insurance contract, not promise to offer any uncertain benefits or conduct any misleading demonstrations, not include any false or hidden statements or statements concerning unfair competition. During the course of selling, a sales representative shall promote bancassurance products in an objective and fair manner, and shall not make any misleading or untrue propaganda.

(3)An insurance company shall strengthen cooperation with the bank, and divide the market, develop diversified insurance products complementary to banking products by considering the insurance demands of banking customers and the characteristics of banking sales.

(4)Insurance companies are encouraged to deeply seek for cooperation potentials with banks, expand cooperation fields to online banks, credit cards, corporate-oriented business and other off-counter businesses, and actively grope for non-counter promotional models, such as financial management accounts and phone numbers, direct selling and the selling to enterprise customers.

VI. Strengthening Supervision and Inspection

(1)Each insurance regulatory bureau and each banking regulatory bureau shall, in light of their own responsibilities, strengthen the supervision and inspection, strictly investigate and handle illegal or irregular acts or unfair competition acts such as sales misleading, off-account assessment and arbitrary costs.

(2)Each insurance company and each commercial bank shall try to provide comprehensive pre-sale and after-sale services to customers, and actively cooperate with the local insurance regulatory bureau and the local banking regulatory bureau to conduct well the work regarding customer complaints, and practically safeguard the legitimate rights and interests of customers.

VII. Strengthening the Communication and Exchange inside and outside the Industry

(1)Each insurance regulatory bureau and each banking regulatory bureau shall urge local insurance associations and banking associations to adopt industrial self-discipline measures as soon as possible, establish an exchange and coordination mechanism inside the industry, strengthen self-constraint and mutual supervision, commonly maintain the normal order of the bancassurance market, beat commercial bribery and control malicious competition.

(2)Each insurance regulatory bureau and each banking regulatory bureau shall establish a communication and exchange mechanism, regularly report the situation and coordinate relevant policies.

This Notice shall come into force as of the date of promulgation. If the bancassurance cooperation agreements that have been signed between the insurance company and the commercial bank do not conform to the relevant requirements in this Notice, they shall be amended or re-signed according to this Notice before September 30, 2006.

Postal savings and remittance institutions, urban credit cooperatives and rural credit cooperatives shall be governed by this Notice by analogy.

China Insurance Regulatory Commission

China Banking Regulatory Commission

June 15, 2006