Monthly observation of insurance tickets (first half) ｜ The amount of fines exceeds 172 million celebrities.

Zheng Jiayi, a trainee reporter of Southern Finance and Economics Group, reported that in a blink of an eye in Beijing, the trip in 2022 was more than half. In the first half of this year, the full system of the China Banking Regulatory Commission strictly supervised the situation and continued to cover the insurance industry.

According to corporate early warning data, from January 1 to June 30, 2022, the entire CBRC system disclosed a total of 965 penalties involving insurance -related affairs, involving a total of 172 million yuan.

From the perspective of the company type, the amount of fined property insurance companies ranks first in various companies, followed by personal insurance companies, intermediary agencies, mutual insurance institutions, agricultural insurance companies, and health care insurance companies. It was 65.9441 million yuan, 47.530 million yuan, 12.010 million yuan, 6.45 million yuan, 1.04 million yuan and 864,000 yuan.

From the perspective of punishment, the punishment of institutions and individuals' violations of institutions and individuals has been further strengthened. In the first half of the year, a total of 36 large tickets were issued more than 500,000 yuan, 3 tickets of more than 1 million yuan, and 1 penalty of more than 1.5 million yuan; At the same time, a total of 17 serious violations were banned into the industry, and three illegal matters were eligible to be eligible.

In addition, as an important channel for the sales of insurance products, there are still many insurance products such as financial and automotive insurance products. Data show that in the first half of the year, in addition to insurance and insurance intermediaries, the entire bank insurance supervision system also made a penalty decision on insurance sales violations of 33 banking institutions, 14 car sales service agencies and 1 trust institution, involving a total of 1726.18 amount involved in the amount of 1726.18 10,000 yuan.

The amount of penalties received by the property and insurance company is the first of various companies

Data show that in the first half of 2022, the amount of penalties received by property insurance companies was still the first of various companies in the industry. Among them, a total of 269 property insurance institutions were punished and 318 related personnel involved were held accountable, involving a total of 65.9441 million yuan.

From the perspective of penalties, the property and insurance industry received a total of more than 500,000 yuan in institutions, and the amount of institution's fines was 54.5641 million yuan, with an average amount of 202,800 yuan/piece. A total of 11.38 million yuan, with an average amount of 35,800 yuan/sheet; at the same time, two other institutions were required to stop receiving new businesses, two practitioners were banned, and one person in charge was eligible for revocation.

From the perspective of violations, there are many problems with fakes and business norms involved in the property insurance company. For example, of the 269 institutions punished, a total of 122 illegal matters are related to "providing false information", 97 are related to "unsuccessful responsibilities in accordance with the law", and 38 are related to "illegal operations". Specifically, the common specific behaviors in the above reasons include virtual salary and expenses withdrawal funds, not using approved or filing insurance clauses and insurance rates in accordance with regulations, other benefits of the insured contract, and timeout compensation, etc. Essence

In addition, the property insurance company also has more violations in the industry's "ace" business auto insurance. Data show that a total of 17 institutions and 22 employees in the first half of the year were punished by the bank insurance regulatory system for illegal operations due to auto insurance -related businesses, involving a total of 5.421 million yuan; For reasons such as car insurance products and expired business licenses, a total of 430,800 yuan was fined.

From the perspective of violations, the main issues of the above institutions are concentrated in "not performing their duties in accordance with the law". 50 institutions and employees have 42 cases of violations of regulations. In actual operations, the specific responsibilities of various institutions and practitioners have different responsibilities of "failing to perform in accordance with the law". The illegal acts in the link also include business issues such as loss of insurance and business agency business licenses, and not updating permits in a timely manner.

At the same time, the regulatory bureaus have been emphasized that the problem of "delay or rejection of motor vehicle traffic insurance in individual insurance companies" has also appeared many times. Data show that a total of eight tickets related to auto insurance related tickets are related to the issue of traffic insurance. Among them, the Xiamen Banking Insurance Regulatory Bureau has punished Fubon Property & Casualty Insurance and National Life Property & Casualty Insurance Xiamen Branch on the issue of "rejecting and delaying underwriting vehicles". The two institutions were fined 150,000 yuan each, and the person in charge was held accountable for 50,000 yuan.

"Dingge" penalties are mostly concentrated in personal insurance companies

In the first half of the year, a total of 234 institutions and 374 practitioners in the personal insurance industry encountered administrative penalties with a total of 47.502 million yuan.

From the perspective of penalties, the personal insurance industry received a total of more than 500,000 yuan in institutions, and the amount of institution's fines was 38.6862 million yuan, with an average amount of 165,300 yuan/piece. A total of 8.844 million yuan, with an average amount of 23,600 yuan/piece; at the same time, two other institutions were required to rectify and 13 employees were prohibited.

From the perspective of violations, the "fake" problem involved in personal insurance companies and the problem of illegal operations are equally serious. For the 234 institutions of the punished, a total of 146 institutions involved the failure of the failure of the performance of false information and the provision of false information in accordance with the law, and the provision of false information, and 14 institutions involved the above two violations.

At the same time, some people's dangerous companies have problems with internal control. In the first half of the year, a total of 21 institutions in the personal insurance industry were punished by administrative penalties due to inadequate internal control management. The heads of the five institutions were held accountable due to poor supervision. Specific violations include collecting premiums through personal accounts of employees, incidental sales of insurance sales, etc. Essence Data show that among branches at all levels, internal control issues are mainly concentrated in central branches. As a first -level branch and second -level branches, branches and branches and branches have fewer problems. Of the 21 companies involving the internal control issues, there are 6 branches and 5 branches, and the remaining 10 are central branches. It is worth mentioning that although the number and amount of the tickets received by the personal insurance company in the first half of the year were lower than the property insurance company, the "huge amount" ticket with an amount of over million and the punishment involved in the ban on the industry, the eligibility of the revocation, and the stopping the new business, etc. "Dingge" penalties are mostly concentrated in personal insurance companies.

From the perspective of the amount of fines, two of the three tickets of the insurance industry exceeded 1 million yuan in the first half of the year came from personal insurance companies. Public information shows that the above two fines are from the Guoshou Shaanxi Branch and Guoshou Ningbo Branch. Among them, the Guoshou Shaanxi Branch failed to use the approved or filing insurance terms, the data records of the group insurance business in accordance with regulations, unreal, and the information records of bank insurance business were not real. The supervision and management departments were redeemed for business licenses and personal agent licenses. Five illegal acts were fined 1.54 million yuan in illegal acts in a timely manner. The employee school and Zhao were given warnings and 100,000 yuan and 50,000 yuan.

From the perspective of punishment, 17 employees who had encountered "prohibiting entry into related industries" in the first half of the year had 13 people from the Communist Party of China from personal insurance companies. Public information shows that Zhang, He Mou, Forte Life Life Employee, Zhou Mou, Taikang Life Employee, Zhang, Xie, Meng, Liao, Li, Chen, Li Mou, Li Mou, Li Mou, Li Mou, Li Mou, Li Mou, Chen Tao and Wan Life Employee Wan, in the first half of the year, received the announcement of the notice of administrative penalties for suspected violation of laws and regulations.

Data show that the above -mentioned penalties encountered bybound penalties have harsh behaviors such as illegal raising funds and absorbing public deposits, involving large amounts and serious circumstances. For example, in the case of internal management and agency management involved in Chongqing, Xinhua Life Chongqing, six people such as Xie Mou, then Xinhua Life Chongqing employee, and other 6 people. The "Shengyun Dashan" product issued by Moody's Equity Investment Fund Management Co., Ltd. helps Shengyun Moody's company in the name of sales funds, illegally raises funds, collects public deposits, and is ruled by the court as a crime of illegally absorbing public deposits.

(Coordinating: Ma Chunyuan)

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