The sword refers to "scattered" Shen Yan's illness, regulating heavy punch to hit the insurance intermediary market to clear the deficiency and rule of chaos

Picture source: Oriental IC

For a long time, the "scattered" image of insurance intermediaries has never been lingering, and the regulatory authorities have continued to govern and rectify to strengthen control.

Blue Whale Insurance was informed that recently, the CBRC's intermediary department issued the "Notice on Printing and Distributing Insurance Intermediaries'" Disposal "issues (hereinafter referred to as the" Notice ") to increase the retreat of illegal agencies. Multi -place Banking Insurance Regulatory Bureau has successively issued documents, conducting innocence and quality of the institutions, seriously rectifying illegal acts such as illegal and illegal activities such as virtual intermediary business, false listing costs, cracking down on channels for the passage, and eliminating the insurance intermediary market.

People in the industry believe that to promote the high -quality development of the insurance intermediary market, it is necessary to continue to clear the deficiency and chaos, forcing the industry to transform and upgrade, conduct a substantial review of advance admission, strengthen substantial supervision in the event, and maintain high -pressure high -pressure investigations and reasons. situation.

Clean up and retreat "no personnel, no place, no business" insurance intermediary agency

Insurance intermediaries are important channels for insurance sales. Data show that as of the end of last year, there were 2,610 insurance agencies in my country and more than 20,000 insurance and business agencies. In 2021, insurance intermediary channels realized premium income of 4.2 trillion yuan, an increase of 5.46%year -on -year, accounting for 87.95%of the national total premium revenue.

A person in the insurance industry introduced that the insurance intermediary agencies present the characteristics of a large number of subjects, fast development speed, and high market activity, but the overall development is unbalanced and inadequate. Institutions with weakness and business concepts, and sustainable development, governance structure and internal control management need to be further standardized.

It pointed out that "In the past, some intermediary agencies had unclear development ideas, indifferent compliance awareness, grabbing people, pulling relationships, and spelling costs; there were also some institutions blindly paving stalls, weak development foundations. Joining 'has not achieved effective management, operating outside the operation and risks retained, and management risks have been accumulated. Some intermediaries have become an important channel for insurance companies to operate illegally, and they are all ills in the industry. "

In recent years, the regulatory authorities have also continued to increase the rectification of the insurance intermediary market, promote the development of the insurance intermediary industry to high -quality development, and resolve the disadvantages on the source. The requirements of various requirements have strengthened supervision until the market withdraws, creating a healthy, standardized and orderly market environment. "

Judging from the "Notice" issued by the Banking Regulatory Commission at this time, it is required to clearly clear the insurance intermediary agencies that cannot be operated normally in various regions. First The insurance intermediary agencies that do not meet the current regulatory requirements should be cleared; thirdly, we must clean up legal insurance intermediaries such as the disorder of the disorder of the management and control of the branch, the existence of "franchise" and "hanging" and other behaviors, and retire the relevant branches. At the same time, we seriously rectify illegal acts such as virtual intermediary business and the expenses of virtual listings, and crack down on the channel for the channel.

Shenzhen, Hubei, Heilongjiang and other places have also issued documents to clearly clear the problem of insurance intermediaries. For example, the Hubei Banking Insurance Bureau issued the "Notice on the Inspection and Cleaning Work of Insurance Intermediaries in the province", which clearly proposes to clean up and retire the "no personnel, no place, no business" insurance intermediaries; Insurance intermediary agencies that are currently regulatory requirements; legal insurance intermediaries such as disorderly control of branches, and the existence of "franchise" and "affiliation", and retire relevant branches.

The Shenzhen Banking Insurance Regulatory Bureau issued the "Implementation Opinions on Promoting the Construction of the Construction of a New Insurance Intermediary Market System", requiring the agency to cooperate with the regulatory authorities to carry out the cleanup and rectification of insurance professional intermediaries in the jurisdiction, focusing on completing the market with no place, no personnel, and business institutions withdrawn from the exit And the clearing and quality of the "sleep" institution.

It is understood that since 2021, the Banking Supervision Bureau of various places has successively canceled the business insurance agency business license of more than 2,800 insurance intermediaries.

Resolve deep -seated contradictions, continue to clear the deficiency and chaos, forcing the industry to transform and upgrade

In general, insurance professional intermediaries should implement dynamic management of the number of branches based on the actual situation, fully consider the overall market conditions and their own operating strength, and take the initiative to revoke the branches of no place, no personnel, no business or other branches that cannot be operated normally. For intermediaries that do not have business conditions for business insurance intermediaries, cannot implement regulatory requirements in accordance with laws and regulations, and cannot operate normally, they should follow the handling of market -oriented withdrawal, explore various methods to guide such institutions or their shareholders to withdraw from the market in accordance with laws and regulations in accordance with laws and regulations. Essence

A few days ago, Wang Zhu, director of the Heilongjiang Banking Regulatory Bureau, wrote the main practices and results of the special work and results of the Qing Dynasty's insurance intermediary market in Heilongjiang Province. In the article, he profoundly pointed out that although the insurance intermediary market in the jurisdiction after the clearing of the Qingxu and the chaos has changed significantly, the deep -seated contradictions have not completely resolved.

Wang Zhu believes that the current insurance intermediary market is mainly facing three problems. First, professional intermediary operations are not specialized. They join in form and essentially independent operations. The channel business still exists in some areas. The insurance account still exists, illegal settlement insurance and illegal agency insurance; the third is that the personal agent team is not fine, and the key indicators are not optimistic through virtual increase of manpower arbitrage or self -insurance arbitrage. Efficiency is low.

From the perspective of special rectification and in recent years, the above -mentioned problems in the insurance intermediary market have been in the above -mentioned problems. It has become a serious obstacle to affecting the high -quality development of the industry. The main reason for the problem is that the transformation and upgrading of professional intermediaries is insufficient. Insufficient power control of the organization; the "three insufficient power" with insufficient transformation of the personal agency channel marketing model. In order to promote the high -quality development of the insurance intermediary market, Wang Zhu suggested that the deficiency and chaos should be continuously cleared and the industry should be transformed and upgraded. First of all, advance admission to explore substantive review. Strengthen the review of shareholders' background, investment motivation, and funding sources; strengthen the review of corporate governance structure, the effectiveness of internal control management systems, and company operating strategic planning feasibility review; strengthen the qualification review of the company's key position personnel, improve the quality of the institution Essence

Secondly, strengthen substantial supervision after the incident. Make full use of the annual report and external audit report of the operation of the intermediary agency, comprehensively evaluate the internal control management of professional intermediary agencies, link market access and on -site inspections, and urge the institutions to continuously improve and carefully implement the management systems such as organizations, business, finance and personnel to improve the right pair The level of branch agency control.

Finally, maintain a high -pressure trend of strict investigation. Further increase the number, frequency, and punishment of on -site inspection institutions, focus on rectifying illegal and illegal acts that use the virtual intermediary business to collect funds, adhere to the two -way inspection of intermediary agencies and insurance companies, double punishment of institutions and individuals, and resolutely curb the intermediary channel channels to take accounts and chaos. elephant.

At the same time, the regulatory authorities should also guide professional intermediary agencies to expand services from a single -generation sales to product design, underwriting, claims, and reinsurance contract consultations to improve the level of professional intermediary services; standardize the channels of generations, ensure that they operate in accordance with laws and regulations, and strictly investigate serious investigations. Division of illegal acts such as "small accounts", illegal delivery, and illegal agents and other violations of laws and regulations; realize high -quality development of personal agents, deepen the reform of the marketing system; strengthen channel management, and implement insurance company management responsibilities.

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