The market downturn, even for reduced-risk accounts, but some insurance companies still frequent promotions, sales for the misleading conduct, the China Insurance Regulatory Commission will take measures to crack down on them. China Insurance Regulatory Commission recently issued a notice that the China Insurance Regulatory Commission will continue to pay close attention to the investment link insurance operation, requiring the company to further strengthen management, improve internal controls, greater disclosure of information, and customers do pay a return visit to crack down on investments linked insurance Sales misleading.
Even for large-scale reproduction insurance surrender
Have swept across the country for surrender even dangerous storm, it seems that the latest in a repeat of China's insurance market.
As the capital markets in the doldrums, even the insurance account for a substantial shrinkage coupled with the misleading sales, the recent emergence of the vote in some places even dangerous surrender, and some insurance companies even for surrender risk rate even exceeds 50%. Even voted in the risk of a number of accounts, equity funds accounted investment into a 7-over-share accounts shrink the most serious. According to the World De investment consulting firm released for the third quarter, even risk analysis, risk even in the third quarter for stock-based decline in the average account has reached 14.97 percent, the smallest drop of 9.24 percent, the biggest decline reached 25.30 percent. The Shanghai and Shenzhen 300 Index over the same period a decrease of 23.94 percent. According to industry sources, some of the domestic banking networks have been "suspended" for sales of insurance and even universal insurance, regulatory authorities will be eligible to re-examine the sales agent.
Related to the China Insurance Regulatory Commission said that both the insurance-linked security features and functions of investment, flexible payment, usually with a number of investment accounts, including bond, equity and hybrid. Over the past year from the account of the performance, the account value of the bond-positive growth-stock accounts generally lower than the average decline Prev decline, mixed in between. At present, various insurance companies to invest in the overall situation in the normal surrender. Individual regions, individual companies appear to invest even surrender risk for many reasons, including the sale was not linked to the insurance product features, investment income uncertainty aptitude customers to explain the problem, the China Insurance Regulatory Commission is investigating Understand and be dealt with sternly.
Client funds can be debt-account
Some insurance companies even before the adoption of commitment to yield the way for even sell insurance, so the stock market decline led to the risk of further amplification. Head of the China Insurance Regulatory Commission to emphasize that when the link Investment insurance sales management, and crack down on misleading sales, the China Insurance Regulatory Commission has adopted a series of measures. The first is to develop technical standards, introduction of specific investment link insurance actuarial requirements. Second, requiring the company to strengthen product management and strengthen information disclosure. The formulation of the "Interim Measures for the Administration linked insurance", "new type of product information management." The third is to strengthen consumer tips risk. Published insurance new life insurance products and risk prompt notice "to strengthen the link investment in insurance sales management issues related to the notice," and so on a number of regulatory documents.
China Insurance Regulatory Commission pointed out that in dealing with the question whether the surrender, the customer not to blindly follow the trend of time and Change, as far as possible to avoid unnecessary loss of surrender. Customers can be linked with a number of insurance investment account the characteristics of bond funds into the account, such as relatively stable, to avoid investment risks.
No comments:
Post a Comment