Why is the "surrender black production" repeatedly banned?Beijing Banking Insurance Regulatory Bureau issued a prompt to prevent the five "routines"

Southern Finance All Media Reporter Zheng Jiayi Beijing report

"Black production" reproduces the rivers and lakes?

On September 13th, the Beijing Banking Insurance Regulatory Bureau issued risk reminders to remind consumers on the five major surrender "routines", including counterfeit identity, encourage surrender, and induce agencies in the insurance industry.

In recent years, there have been the banner of "rights protection" for consumers to "protect their rights" and specialize in the so -called "agency surrender" business. In fact, they have deceived consumer funds in the name of "rights protection".

Among them, some gangs have even formed a hidden "black industry chain" of "agency surrender", which has a professional and industrialization trend, seriously damage the legitimate rights and interests of consumers, and disrupt the normal order of the financial market.

"Black production" involves a wide range of regions. According to the statistics of the 21st Century Business Herald, this year has issued relevant documents such as Shanghai, Jiangsu, Sichuan and other places such as the China Banking Regulatory Bureau and the Financial Bureau to severely crack down on "surrender black production".

Earlier, the CBRC also issued an announcement on preventing risks such as "proxy surrender" to make risk prompts to consumers on common means such as "full surrender" and "repair credit".

What is "surrender black production"?

"Agent surrender" refers to the purpose of personal or groups for the purpose of obtaining illegal interests, on the grounds of protecting the rights and interests of insurance consumers. Essence Criminals often charge high handling fees, mainly involving personal insurance products such as traditional life insurance and health insurance.

"Black production" refers to the black industrial chain formed by illegal agent surrender behavior and after large -scale.

According to the CBRC, these individuals or groups often use false commitments and forgery of evidence and other illegal means to hinder consumers' normal rights protection.

For example, first pretending to be a regulatory authority and legal workers to deceive consumers' trust, lied that they could handle full surrender, repair credit reporting, etc., to induce consumers to entrust their "agency to protect their rights", and then conduct malicious complaint.

At the end of 2021, the China Insurance Industry Association issued the "Guidelines for the Confirmation of the Insurance Sales Persons' Training and Freedom Consisteb". , Instruction, instability, and induction of customers' abnormal surrender and infringement of the legitimate rights and interests of customers ", and confirmed that the organization and participation of" agency surrender "are" improper business activities ".

What routines are there?

The Beijing Banking Regulatory Bureau summarized the five major routines for "surrender black production" this time.

Fake identity, false propaganda. That is, the illegal "proxy surrender" organization or individual pretend to be a supervisory department, a staff member of the insurance company, or legal worker to use QQ group, WeChat group, friends circle, short video, online forums, e -commerce platforms and other channels for false publicity.

Lie deceive and encourage surrender. That is, the insurance product "insurance companies have fraud, many consumers have complained", or deceive consumers to "continue to hold insurance policies will suffer huge economic losses" and encourage consumers to surrender.

Induced agents and illegal profits. That is, lies that they can handle "full insurance" for consumers, induce consumers to sign an agency surrender service agreement, and even control consumers with detention insurance policies, identity documents and other means. Fee, handling fee.

Forgery of evidence and surrender. That is, consumers ignore the contract agreement, and encourage or replace consumers to deceive sales staff to reply through telephone recording, WeChat chat and other methods to conduct false evidence for evidence; Insurance.

Cut off the connection and repeatedly pressure. That is, cutting off the normal rights protection channel of consumers, preventing the effective connection between consumers, insurance companies, and regulatory authorities, and encouraging or replacing consumers to adopt excessive excitement such as entangled visits. In the name of protection of rights protection, incite consumers to put pressure on insurance companies through multiple and repeated malicious complaints to regulatory authorities.

The regulatory bureaus of various places and social news have emerged endless cases involving the above routines.

For example, after the insurance agent Dong left, in order to induce customers to "refund the old and buy new" to obtain the insurance commission again, they have instigated that customers provide false evidence and other means to teach and act as a malicious complaint with the customer. As a result, a full surrender was filed to a insurance company. After the company was canceled with the customer agreement, it sued Dong to the court to ask for compensation for the loss. After the court's decision, the defendant Dong had compensated a commission loss and liquidated damages of a certain insurance company.

Consumer Wang insured a major illness insurance in a company, and later heard a professional agent who was confused. He was noisy at the business place of the insurance company, saying that he urgently needed money and required a full surrender. After the surrender was completed, Wang was unfortunately suffered from stomach cancer. He called the company to consult if he could restore the policy. After learning that the policy had been surrendered and could not be recovered, he regretted blind surrender and lost a guarantee of more than 2 million yuan.

Reject illegal "proxy surrender" behavior

In the process, consumers may face multiple risks such as property security and information security.

For example, property security, agency surrender behavior is often accompanied by high "agency fees" or "handling fees". After the insurance, it will also induce consumers to "refund the old and buy new", buy related high -yield wealth management products, and even cut off the consumption consumption consumption consumption consumption consumption Surprove the insurance funds and hidden fund -raising fraud risk.

Information security, after the personal or organization obtains the commission of consumers, consumers will ask consumers to provide sensitive information such as identity information, communication information, family address, financial accounts, insurance contracts and other sensitive information. risk. A person from an insurance institution pointed out that the main function of insurance products is to provide risk protection. Consumers should choose appropriate insurance products or services on the basis of mastering common sense, based on actual needs, combine their own economic conditions and risk tolerance capabilities.

It should be emphasized that in accordance with laws and regulations such as insurance laws and regulations, only institutions that have obtained business licenses issued by the financial regulatory authorities can operate insurance business. Although some institutions in the market have names such as "XX Insurance Brokerage" and "XX Insurance Agency", they have not actually obtained business licenses issued by the financial regulatory authorities and do not have legal insurance intermediary qualifications.

In fact, the Consumer Rights Protection Bureau of the CBRC has also reminded consumers to rational consumer financial products in accordance with their own needs, safeguard their rights and interests in accordance with the law, and improve their awareness of personal information protection.

For example, rational rights protection and refuse illegal "agency surrender" behavior. Consumers should safeguard their rights through normal channels. If a dispute occurs during the purchase of insurance products or enjoy the insurance service process, you can directly complain to the insurance company to claim civil rights; if the dispute is not resolved through negotiation, you can apply for mediation to the industry mediation organization; According to the contract, the arbitration agency is requested to arbitration or a lawsuit with the people's court.

Protect privacy and prevent personal information from leakage. Consumers should pay attention to enhancing personal information security awareness, improve information security protection capabilities, protect personal financial information and family information, and avoid information leakage and information theft of information. If you find that your legitimate rights and interests are violated by illegal acts, the case should be reported to the public security organs in a timely manner.

(Coordinating: Ma Chunyuan)

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