"Even for scars," torture was revealed small and medium-sized business risk management model

Recently, Tianjin, Shandong and other places as a result of some insurance companies to mislead the many problems for even the surrender risk, market caused concern. Informed sources revealed yesterday that the regulatory authorities and the local government under the coordination of these areas have basically surrender the incident down, with the exception of consumer refund premiums, but also punish the persons responsible for the company.

In addition, these sources said, some of the bank branches have been "suspended" for sales of insurance and even universal insurance, sales agents need to re-examine the qualifications. The China Insurance Regulatory Commission also has asked the authorities throughout the market risk of investigating thoroughly to prevent a further rise to surrender a similar incident. Shanghai, a joint venture life insurance company general manager, told reporters that "a couple of days ago has received Baojian Ju, Shanghai's phone call at any time to report to the relevant circumstances."

Insurance companies will be attributed to surrender the incident involved a bear market, but sales issue has always been one to radical mentality, so misleading, induced by continuous, insurance companies, is clearly to blame. According to an interview with this newspaper, this was revealed to be "even voted scars" Life is life, Sun Life Everbright Life Insurance Company, and other small and medium-sized, three life insurance giant is not involved. Perhaps the fear was in the cast even dangerous storm surrender, as well as changes in the capital market, the Big Three domestic life in this round of the vote even dangerous product design, sales performance was very cautious.

Informed sources said some of the small and medium-sized enterprises in order to promote insurance premium performance, part of the sales in the vote even when selling insurance to mislead the consumers, promise to give security by the end of the proceeds, and commitment to put in a written agreement for the surrender planted hidden danger. It is worth mentioning that, from the head down to the executive branch, and some even have no knowledge, the management structure of the disorder can be imagined.

Although some of the company has paid a price for executives to resign. According to informed sources, Li Gang, general manager of the lives of Life resignation of the outside world, such as the fuse is not to speculate "hunters mistake," but its sales in the Tianjin branch, "Fu Tai winners" vote even dangerous products on the misleading conduct. "Life Life executives within the purposes of accountability, has tendered his resignation, general manager of the reasons for this."

In the insurance market in the face of intense competition, under the status quo, from those eager to pursue short-term return for shareholders of invisible pressure to enlarge more, small and medium-sized insurance companies is difficult to avoid the radical operation. "The small and medium-sized insurance companies, many shareholders are private enterprises, see more short-term interests, want to go out of the capital to generate quick returns." Small and medium-sized insurance companies in Shanghai, a certain executives complained to reporters.