Notice of China Insurance Regulatory Commission and China Banking Regulatory Commission on Further Regulating the Sales Behavior of Insurance Agency Business of Commercial Banks
China Insurance Regulatory Commission [20 14] No.3
All insurance regulatory bureaus, banking regulatory bureaus, insurance companies, state-owned commercial banks, joint-stock commercial banks and postal savings banks:
In order to standardize the sales behavior of insurance agency business of commercial banks, protect the legitimate rights and interests of insurance consumers, and promote the sustained and healthy development of insurance agency business of commercial banks, the relevant requirements are hereby notified as follows:
1. A commercial bank shall conduct demand analysis and risk tolerance assessment on the policyholders, recommend insurance products according to the assessment results, and sell suitable products to customers with demand and tolerance.
(1) Under any of the following circumstances, the insurance products sold to the policyholders shall be products determined by the policy interests in principle, and the insurance contracts shall not be automatically underwritten on the spot through the system. The policy materials shall be handed over to the insurance company, and the insurance company shall issue the bill after underwriting by the underwriting personnel:
1. The annual income filled in by the insured is lower than the per capita disposable income of urban residents or the per capita net income of rural residents in the latest year published by the local provincial statistical department;
2. The insured has reached the age of 65 or the insured delivering products has reached the age of 60.
When underwriting, the insurance company shall review the suitability, insurance information and signature of the insured product. If it is found that the product is not applicable, the information is untrue, and the customer has no intention to continue to insure, it will not be underwritten.
(2) Selling insurance products with uncertain policy benefits, including life insurance products such as dividend-sharing, universal, investment-linked, variable-amount and unscheduled-income investment insurance products of property insurance companies, can only be underwritten after obtaining the insurance declaration signed by the insured:
1. The wholesale premium exceeds the annual income of the insured's family by 4 times;
2. The annual premium exceeds 20% of the annual income of the insured family, or the monthly premium exceeds 20% of the monthly income of the insured family;
3. The sum of the insured's payment period and age figure reaches or exceeds 60 years old;
4. The premium amount is greater than or equal to 150% of the insured's premium budget.
In the insurance declaration, the applicant should indicate that he knew the product situation when he insured, and voluntarily bear the risk of uncertain policy interests.
Two, insurance companies and commercial banks should increase efforts to develop risk protection and long-term savings insurance products. The sum of premium income from accident insurance, health insurance, term life insurance, whole life insurance, annuity insurance with an insurance period of not less than 65,438+00 years, endowment insurance with an insurance period of not less than 65,438+00 years, property insurance (excluding investment insurance of property insurance companies), guarantee insurance and credit insurance shall not be less than 20% of the total premium income of insurance agency business.
The head office of a commercial bank and its tier-one branches shall report the proportion of premium income of various insurance agents in the last quarter to the CBRC and the local banking regulatory bureau within 10 working days after the end of each quarter.
For the head office and its tier-one branches of commercial banks whose business proportion is lower than the above requirements, the regulatory authorities have the right to take regulatory measures such as rectification within a time limit.
For insurance products paid in installments, it is encouraged to pay premiums that meet consumers' consumption habits, such as monthly payment. Insurance companies and commercial banks shall not induce consumers to terminate insurance contracts in advance by misleading publicity or reducing the surrender fees agreed in the contract.
3. If the insurance period of the insurance products sold by commercial banks as agents exceeds one year, it shall stipulate in the contract a hesitation period of 15 natural days, and specify the rights of the insured during the hesitation period in the contract. The hesitation period shall be counted from the date when the insured receives the insurance policy and signs it in writing.
Four, the insurance company should reasonably design the style of the insurance policy, the cover and inner page of the insurance policy should be A4 paper size after binding, and the cover of the insurance policy should be obviously different from the bank documents in terms of color, style and material.
Five, the insurance company should be on the cover of the insurance policy with no less than 72 font marked "insurance contract", and with no less than 2 font marked the name of the insurance company.
An insurance company shall indicate the words risk warning and hesitation warning in font no less than No.3 on the cover of the insurance policy.
Risk warning of dividend insurance: "You are insured with dividend insurance, and the dividend is uncertain."
Universal insurance risk warning: "You are insured by universal insurance, and the investment income above the minimum guaranteed interest rate is uncertain." Products with franchise fee should also include: "The insurance premium you pay is included in the policy account after deducting the franchise fee."
Risk warning of investment-linked insurance: "You are insured by investment-linked insurance, and the return on investment is uncertain." Products with initial expenses should also include: "The insurance premium you paid is included in the investment account after deducting the initial expenses."
The risk warning of other product types is determined by the company itself.
Prompt for hesitation period: "You have the right to surrender the insurance in full within 15 natural days after receiving the insurance contract (deducting the cost of production not exceeding 15 yuan). 15 has a loss above the natural day. "
Six, commercial banks and their sales staff shall not design, print and write brochures, publicity color pages, publicity display boards or other sales AIDS related to insurance products.
Seven, commercial banks should manage the insurance policies issued by insurance companies as important documents, establish and improve the relevant management system and sell them back in time.
Eight, commercial banks should consider the insurance company 13 month policy renewal rate, the structure of the bank mail agency business and the functions of the bank mail agency products.
An insurance company shall fully explain the characteristics, attributes and risks of insurance products to commercial banks.
Nine, each branch of a commercial bank shall not cooperate with more than three insurance companies (with a single legal entity as the calculation unit) in the same accounting year.
Ten, commercial banks should strengthen the management of their sales staff. Sales personnel of outlets shall sell insurance products in accordance with the authorization of commercial banks, and shall not sell unauthorized insurance products or sell insurance products without authorization.
All branches of commercial banks shall publish the list of agency insurance products in paper or electronic form, including the name and product type of the agency insurance company.
Eleven, commercial bank outlets sales staff should require the insured to fill in the insurance policy. In any of the following circumstances, it can be filled in by the sales staff:
(a) the applicant has difficulty in filling in and has made a written authorization;
(2) The applicant has difficulty in filling in the form, and is unable to give written authorization, and has given oral authorization under the condition of audio or video recording.
In the process of filling in, the salesperson should check the contents with the insured item by item and fill in the application form according to the description of the insured. After completing the application form, the applicant shall sign or seal it after confirming that the content of the application form is the expression of its true meaning.
Commercial banks should submit written authorization documents, audio recordings, video recordings and other materials to insurance companies for record management.
Twelve, commercial banks and their sales staff shall not tamper with customer insurance information, and shall not pretend to be customer contact telephone numbers with the telephone numbers of bank outlets, sales and related personnel. If the applicant or the insured needs to confirm, he should ensure that he personally signs or seals it.
Thirteen, commercial banks and their sales staff shall not intercept the customer insurance information, and shall provide the insurance company with complete and true customer insurance information.
An insurance company shall provide commercial banks with complete and true information such as customers' surrender and payment due.
Fourteen, commercial banks should be in the insurance policy, business system and insurance agency business books, complete and true records of commercial bank outlets and outlets sales staff's name or job number.
Fifteen, commercial banks should have the technical support system and background support ability to control the sales risk of insurance products, establish a complete sales information management system, and realize the following functions:
(1) Docking with the business system of the insurance company;
(two) to achieve the management of insurance sales personnel;
(3) Be able to provide electronic contract materials, including insurance tips, insurance applications, insurance policies, insurance clauses, product specifications, cash price (1300.00, -3.50, -0.27%) value tables and other documents;
(4) Recording the information required for underwriting and proofreading the logical relationship and authenticity of the information;
(five) to save and transmit the scanned electronic documents of the original insurance vouchers;
(six) the system with the function of on-site billing should set the product parameters reasonably and be compatible with the different insurance rates of the insured at different ages.
Sixteen, commercial banks should provide the insured with complete contract materials, including insurance tips, insurance policies, insurance clauses, product manuals, cash value tables, etc. Contract data shall not be deleted or intercepted.
17. When a commercial bank collects premiums through bank deduction in the sales process, it should reach an agreement with the insured on the deduction account, amount, time, etc., and have the authorization of bank automatic transfer independent of other documents such as the insurance application. Authorization should include information such as transfer-out account, amount of each transfer, transfer period and transfer frequency. When withdrawing money, the insured shall issue a premium invoice or a premium deduction receipt.
Eighteen, the insurance company shall establish a policy information review system. If the customer information is found to be untrue or signed by other personnel, it shall not be underwritten; If it has been underwritten, the commercial bank shall be required to make corrections within a time limit. At the same time, the insurance company should contact the customer in time to explain the policy situation and go through the supplementary signing procedures.
Nineteen, the insurance company shall, within 24 hours after deducting the first premium, or without deducting the first premium, within 24 hours after underwriting, send a reminder message to the applicant's mobile phone in the name of the insurance company. It is suggested that short messages should be popular and concise, which is convenient for policyholders to read and understand.
Prompt SMS should at least include: the name of the insurance company, the name of the insurance product, the insurance period, the start and end time of the hesitation period (except for billing in different places), the premium and future payment frequency, and the company's unified customer service phone number. The insured should read the terms of the insurance contract carefully.
If the applicant does not have mobile phone contact information, it should be prompted by email or paper letter.
The insurance company shall promptly remind the insured by SMS, email or paper letter when the insurance contract expires.
Twenty, commercial banks and insurance companies should actively handle complaints, surrender and other matters. Solve it as soon as possible, without prevarication, and take timely measures to solve it properly.
In the process of complaint handling, commercial banks and insurance companies should make clear their responsibilities and bear losses according to the agreement and actual situation.
21. Insurance companies and their tier-one branches shall report to the China Insurance Regulatory Commission and the local Insurance Regulatory Bureau the number of surrender and return visits of cooperative commercial banks during the hesitation period in the last quarter, and the proportion with the number of insured items in the same period within 10 working days after the end of each quarter.
22. The CIRC, the insurance regulatory bureaus, the China Banking Regulatory Commission and the banking regulatory bureau shall establish an information sharing system, and take corresponding regulatory measures for insurance companies, commercial banks and their tier-one branches that have more surrender during the hesitation period, more problems in return visits, problems in business proportion and illegal behaviors.
Twenty-three, the insurance regulatory bureau, the banking regulatory bureau should strengthen supervision and inspection, found that insurance companies, commercial banks or their employees in violation of the relevant provisions, in accordance with laws, administrative regulations, rules and other provisions of punishment.
Twenty-four, this notice shall be implemented as of April 4, 20 1 year.
Other banking financial institutions and postal companies engaged in insurance agency business shall be implemented with reference to this notice.
If the normative documents promulgated by CIRC and CBRC before the promulgation of this notice are inconsistent with this notice, this notice shall prevail.
China Insurance Regulatory Commission China Banking Regulatory Commission
20 14 1.8