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


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

保监发[2003]25

Circular of China Insurance Regulatory Commission on Strengthening the Administration of the Banks’ Agency Service for Personal Insurance

(No.25 [2003] of China Insurance Regulatory Commission)

 

各保监办,人民银行各分行、营业管理部、分行监管办、省会(首府)城市中心支行,各保险公司,各商业银行,邮政储汇局:

  近两年以来,各保险公司与商业银行(含邮政储汇部门、合作金融机构,下同)加强合作,由银行代理销售人身保险产品的业务(以下简称银行代理人身保险业务)得到了迅速发展。但在银行代理人身保险业务过程中,存在较为突出的误导问题,如不及时解决,将损害消费者的正当权益,严重影响银行代理人身保险业务的正常发展,危及银行和保险企业的信用,形成金融风险。为促进银行代理人身保险业务长期健康发展,经研究,决定加强对银行代理人身保险业务的管理。现将有关要求通知如下:

  一、各保险公司和商业银行应当充分认识加强银行代理人身保险业务管理的必要性和重要性,针对银行代理人身保险业务建立健全相应的内控制度并严格落实。

  二、各保险公司应在代理业务中加强与商业银行的信息沟通、合作,制定并落实相应的业务和财务管理、客户回访、售后服务等制度。

  三、各保险公司和商业银行应当切实加强银行代理人身保险产品的宣传和信息披露管理。银行代理人身保险产品的宣传和信息披露材料(以下简称宣传材料)由保险公司总公司按中国保监会的有关规定统一负责管理,其形式和内容不得违反中国保监会的有关规定。从事银行代理人身保险业务的商业银行总行和分支行要设立(或指定)部门或专人管理银行代理人身保险业务。保险公司、商业银行分支机构或其工作人员不得擅自印制宣传材料或变更其内容。

  四、各保险公司总公司负责确保宣传材料的合规性、客观性和真实性。保险监管部门在检查中若发现有违规宣传材料,将要求保险公司登报予以更正,并暂缓批准销售新的银行代理人身保险产品,追究有关高级管理人员的责任。

  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。

  六、各保险公司和商业银行应当加强对代理销售人员的培训,特别要对法律法规、职业道德和业务知识进行培训。

  七、保险公司应当在投保单显著位置标明投保人申明:本人已认真阅读并理解本保险的条款,各商业银行在代理销售人身保险产品时,应当让投保人认真阅读保险条款全文和产品说明书,并让投保人在申明上签名确认。

  八、各保险公司应统一清理现有的银行代理人身保险业务宣传资料,对不符合要求的应立即停止使用并销毁。

  九、各保监办和人民银行各分支行应当加强对银行代理人身保险业务的监督检查。对违反上述规定的机构和人员,依法进行处罚。

  十、各保监办和人民银行各分支行应当将本通知转发至辖区各保险公司和商业银行,并建立对银行代理人身保险业务的监管合作机制。各保险公司和商业银行要积极配合保监办和人民银行分支行的监管工作。

2003416

 

The insurance regulatory offices, the branches, business departments, regulatory offices of branches, and the central sub-branches in provincial capitals (capitals of autonomous regions) of the People’s Bank of China, the insurance companies, the commercial banks, and the postal savings & remittance bureaus:

In the recent two years, the insurance companies have enhanced their cooperation with the commercial banks (including postal savings & remittance departments, and cooperative financial institutions, hereinafter the same), the service of banks’ selling of personal insurance products as an agent (hereinafter referred to as “banks’ agency service for personal insurance) has developed rapidly. However, there exist notable misleading problems in the process of banks’ agency service for personal insurance, and if such problems are not solved in good time, the legitimate rights and interests of the consumers will be impaired, the normal development of the banks’ agency service for personal insurance will be seriously affected, the credit of banks and insurance companies will be endangered, and financial risks will result. In order to promote the long-term healthy development of the banks’ agency service for personal insurance, we decide upon deliberation to strengthen the administration of the banks’ agency service for personal insurance. The relevant requirements are hereby notified as follows:

 

1.       The insurance companies and commercial banks shall be fully aware of the necessity and significance of strengthening the administration of the banks’ agency service for personal insurance, and shall establish and perfect, and strictly implement the internal control systems corresponding to the banks’ agency service for personal insurance.

2.       The insurance companies shall strengthen information communication and cooperation with commercial banks in the agency service, and shall formulate and implement the corresponding systems of business and financial management, client visits, and after-sale services, etc.

3.       The insurance companies and commercial banks shall earnestly strengthen the administration of publicity and information disclosure of the banks’ agency service for personal insurance. The materials of publicity and information disclosure of the banks’ agency service for personal insurance (hereinafter referred to as publicity materials) shall be managed in a unified way by the head offices of the insurance companies pursuant to the relevant provisions of China Insurance Regulatory Commission (CIRC), and the forms and contents of those materials may not violate the relevant provisions of CIRC. The head offices and the branches and sub-branches of commercial banks engaging in banks’ agency service for personal insurance shall set up (or assign) departments or special personnel to administer such service. No insurance company, commercial bank branch or sub-branch, or the staff members thereof, may print any publicity materials or alter the contents thereof without authorization.

4.The head offices of the insurance companies shall be responsible for guaranteeing the rule-compliance, objectiveness, and authenticity of the publicity materials. If an insurance regulatory department finds out any rule-breaking publicity materials through inspection, that department shall require the insurance company to make a correction on the newspaper, shall not approve the sale of any new bank agency personal insurance product for a period, and shall investigate the liabilities of the relevant senior managerial personnel.

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.

6.The insurance companies and commercial banks shall strengthen the training of the sales agents, and shall give training especially on laws and regulations, professional ethics, and business knowledge.

7.Insurance companies shall indicate on an eye-catching position on the insurance policy the policy holder’s statements: “I’ve carefully read and understood the clauses of this insurance policy”, and the commercial banks shall, when selling personal insurance products as an agent, have the policy holders to carefully read the full text of the insurance clauses and the product specification, and have the policy holder to sign on the statements for confirmation.

8.The insurance companies shall sort out in a unified way the existing publicity materials of banks’ agency service for personal insurance, and stop the use of and destroy those not meeting the requirements immediately.

9.The insurance regulatory offices and the branches and sub-branches of the People’s Bank of China shall strengthen the supervision and administration of the banks’ agency service for personal insurance, and shall punish according to law the institutions and personnel that violate the aforesaid provisions.

10.The insurance regulatory offices and the branches and sub-branches of the People’s Bank of China shall transmit this Circular to the insurance companies and commercial banks under their respective jurisdictions, and shall establish the cooperative regulation mechanism of banks’ agency service for personal insurance. The insurance companies and commercial banks shall actively assist in the regulation work of the insurance regulatory offices and the branches and sub-branches of the People’s Bank of China.

April 16, 2003