The regulations of the China Banking Regulatory Commission on double recording require the gradual implementation of simultaneous audio and video recording of the sales process of financial products (referred to as "double recording"), and strengthen the entire process risk management of financial products.
The core content of the "Notice of the General Office of the China Banking and Insurance Regulatory Commission on Matters Concerning the Rectification of Bank Agency Insurance Business" is to encourage banking insurance agencies to explore the remote dual-recording system. Specifically, bank insurance agencies that sell personal insurance products through online and offline integration can explore the implementation of remote synchronized audio and video recording. The Consumer Rights Protection Committee of Banking and Insurance Agencies is responsible for guiding the establishment of the bank's remote dual-recording system and supervising the effectiveness of the implementation of the system.
Remote dual recording should meet the following requirements: in principle, it complies with the regulatory regulations on on-site synchronous audio and video recording, and strengthens quality inspection to ensure the quality of audio-visual materials; on-site synchronous audio and video recording requires sales staff and policyholders to The requirement to display in the same frame can be temporarily exempted; the policyholder can copy the risk warning statements and multiple signatures in the insurance policy, and the policyholder can click to confirm that he has read the risk warning statements in the insurance policy, and the first signature is written in handwriting, and the remaining clicks to confirm are in handwriting. Alternative method of signing; sales staff should implement remote double entry at bank business premises. If a banking insurance agency cannot meet the above conditions, it shall not carry out remote dual registration.
Bank insurance agencies and insurance companies should attach great importance to the standardized operation of bank agency insurance business, improve systems and mechanisms, increase technology investment, effectively standardize sales behavior, and protect the legitimate rights and interests of consumers.
Laws and Regulations
Article 2 of the "Interim Provisions on the Management of Audio and Video Recordings in the Sales Areas of Banking Financial Institutions". The so-called audio and video recordings in the sales areas (referred to as "double recording" in the special area) in these regulations are Refers to banking financial institutions selling financial products issued by themselves in accordance with the law (hereinafter referred to as self-owned financial products) and financial products issued by cooperative institutions in accordance with the law (hereinafter referred to as consignment products) in their business premises. They should implement "double registration" management in special areas, that is, set up sales special area, and install an electronic system in the sales area to record and record the sales process of each product simultaneously.
Banking financial institutions that sell treasury bonds and physical precious metals on behalf of others can decide whether to be included in the "dual-entry" management of the special area based on actual conditions.