银保监会规范“惠民保”业务
11YUE20RI，ZHONGGUOYINBAOJIANHUIRENSHENXIANBUFABU《GUANYUGUIFANBAOXIANGONGSICHENGSHIDINGZHIXINGSHANGYEYILIAOBAOXIANYEWUDETONGZHI（ZHENGQIUYIJIANGAO）》（YIXIAJIANCHENG《TONGZHI》）。JULEJIE，ZHEISHISHOUFENZHENDUIZHENGFUXIANGGUANBUMENZHICHIDECHENGSHIDINGZHIXINGSHANGYEYILIAOBAOXIANXIANGMU（YENEISUCHENG“HUIMINBAO”，YIXIAJIANCHENG“DINGZHIYILIAOBAOXIAN”）DEJIANGUANWENJIAN。
JUBUWANQUANTONGJI，2020NIANQIAN10GEYUE，WOGUOYIYOUCHAO60GECHENGSHILUODIDINGZHIYILIAOBAOXIAN，HUIJI2600YUWANREN，ZONGBAOFEISHOURUCHAOGUO10YIYUAN，FUGAICHENGSHI、CANBAORENQUNHEBAOFEISHOURUJUNSHIXIANFANBEIZENGZHANG。
DANSHI，DINGZHIYILIAOBAOXIANMUQIANRENGCHUYUFAZHANCHUQI，MOSHISHANGBUCHENGSHU，YECUNZAIFENGXIANBUQUEDING、SHICHANGJINGZHENGJILIE、CHANPINFUWUTONGZHIHUADENGWENTI。
WEIGUIFANBAOXIANGONGSIDINGZHIYILIAOBAOXIANYEWUKAIZHAN，QIESHITIGAOCANBAOQUNZHONGBAOZHANGSHUIPING，BAOHUXIAOFEIZHEHEFAQUANYI，CUJINQIZHANGQIWENJIANKECHIXUFAZHAN，YINBAOJIANHUIRENSHENXIANBUQICAOLE《TONGZHI》。
《TONGZHI》CONGFAHUISHICHANGJIZHIZUOYONGFUWUMINSHENGBAOZHANG、QIANGHUAKECHIXUJINGYINGKAIZHANZHUANYEFUWU、YASHIZHUTIZERENGUIFANJINGYINGXINGWEISANDAFANGMIANDUIDINGZHIYILIAOBAOXIANYEWUJINXINGGUIFAN。QIZHONG，JIANGZHONGDIANCHACHUCANYUEYIYAJIAJINGZHENG、MAOYONGZHENGFUMINGYIJINXINGXUJIAXUANCHUANDENGWEIGUIXINGWEI。
应科学确定价格
《ZHONGGUOYINXINGBAOXIANBAO》JIZHESHULIFAXIAN，GEDIDINGZHIYILIAOBAOXIANCHANPINDENIANBAOFEIDADUOKONGZHIZAIBAIYUANYINEI，ZUIBIANYIDEYIKUANNIANBAOFEIDIZHI19YUAN，BAOEPUBIANSHI100WANYUAN；BAOZHANGFANWEIJIZHONGZAILIANGDAFANGMIAN，YISHIYIBAOMULUNEIDEZIFEIBUFEN，ERSHIYIBAOMULUWAIDETEYAOFEIYONG。YOUXIECHANPINZHIBAOZHANGQIZHONGYIGEFANGMIAN，YOUXIECHANPINBAOZHANGLIANGGEFANGMIAN。
“DINGZHIYILIAOBAOXIANBENZHISHANGSHIYIGEBAOXIANCHANPIN，YAOFUHEJIBENDEBAOXIANYUANLIHEYUNYINGGUILV，QIESHIFAHUIBAOXIANJINGYINGZHUTIDEZHUANYENENGLI。”YIWEIBAOXIANYENEIRENSHIRENWEI，CONGMUQIANDEYUNYINGQINGKUANGLAIKAN，YOUYURENQUNFUGAIMIANJIAOGUANG、MENJIANJIAODI，KENENGMIANLINBAOFEIHEBAOEYIJIXIANGGUANFUWUSHIFOUPIPEIDEWENTI。
《TONGZHI》TICHU，FAHUISHICHANGJIZHIZUOYONGFUWUMINSHENGBAOZHANG，YAOQIUBAOXIANGONGSIKAIZHANDINGZHIYILIAOBAOXIANYEWU，YINGZUNCONGSHANGYEBAOXIANJINGYINGGUILV，SHICHANGHUAYUNZUO。ANZHAOJINGYINGKECHIXU、FENGXIANKEKONGDEJIBENYUANZE，HELIZHIDINGBAOZHANGFANGAN、KEXUEQUEDINGZERENFANWEI。
TONGSHIYINGYINDIZHIYI，BAOZHANGFANGANTIXIANDIYUTEZHENG，QIHECANBAOQUNZHONGSHIJIYILIAOBAOZHANGXUQIU。GULIJIANGMULUWAIYILIAOFEIYONGNARUBAOZHANGFANWEI，MANZUCANBAOQUNZHONGDUOCENGCIDUOYANGHUADEYILIAOBAOZHANGXUQIU。
CIWAI，DINGZHIYILIAOBAOXIANCHANPINDESHEJIKAIFAHEGUANLIYINGYANGEZUNSHOUJIANGUANZHIDU。YINGJIYUBIYAODELISHISHUJU，JIEHEDANGDITEDIAN，HELIYUGUCANBAORENSHUGUIMO，ZUOHAOBAOFEICESUANHEFEILVLIDING，KEXUEQUEDINGJIAGE。BAOXIANGONGSIYINGZAICHENGBAOQIANXIANGSHUDIYINXINGBAOXIANJIANGUANBUMENBAOGAOBAOZHANGFANGAN。
应增强风险控制能力
DANGQIAN，MIANDUIZHEIYIXINXINGDEBAOXIANSHICHANG，YIYOUDUOJIABAOXIANGONGSIRUJU，HULIANWANGLIULIANGPINGTAIYEFENFENJIARU。DANSHI，DINGZHIYILIAOBAOXIANDEFENGXIANFENSANSHUIPING、KECHIXUFAZHANNENGLIYIJIBAOZHANGZUOYONGSHIFOUNENGGOUYOUXIAOFAHUIHAIYOUDAIGUANCHA。
SHANGSHUYENEIRENSHIRENWEI，FENGXIANGUANLISHIBAOXIANZHUANYEJIAZHIDEJIZHONGTIXIAN，GENGSHIDINGZHIYILIAOBAOXIANCHIXUWENDINGYUNXINGDEGUANJIAN。ZHEILEICHANPINYAOZUODEGENGJIU，RANGGENGDUORENCANYUJINLAI，DUIFENGXIANDEPANDUANHENZHONGYAO，ZHEIYEHENKAOYANCHENGBAOJIGOUHECANYUPINGTAIDEFENGXIANSHIBIE、PINGGUHEGUANLINENGLI。
ZAIQIANGHUAKECHIXUJINGYINGKAIZHANZHUANYEFUWUFANGMIAN，《TONGZHI》MINGQUE，BAOXIANGONGSIYINGDUIDINGZHIYILIAOBAOXIANYEWUJINXINGHELIDEFENGXIANPINGGUHEQINGXIDEFENXIPANDUAN。YINGJIANQUANWANSHANGEXIANGNEIBUGUANLIZHIDU，JIAQIANGZHUANYENENGLIHENANKUAI3，YUNYONGKEJISHOUDUANYOUXIAOGUANKONGBUHELIFEIYONG，TISHENGYUNYINGGUANLINENGLI，TIGAOGUANLIFUWUXIAOLV，ZENGQIANGFENGXIANKONGZHINENGLI。
《TONGZHI》YAOQIU，BAOXIANGONGSIKAIZHANDINGZHIYILIAOBAOXIANYEWU，YINGJUBEIWENDING、ZHUANYE、GUIFANDEFUWUNENGLI，BINGJUYOUYUKAIZHANYEWUXIANGSHIYINGDEXINXIXITONG，YIMANZUCANBAORENDUIYILIAOBAOZHANGFUWUDECHIXUXINGXUQIU。YINGTONGGUOJUBEIZIZHIDEHULIANWANGPINGTAIJIESHOUZAIXIANTOUBAO，BINGZUNSHOUHULIANWANGBAOXIANDEXIANGGUANGUIDING。TONGGUODISANFANGHEZUOJIGOUTIGONGTEYAODENGFUWUDE，YINGFUHEGUOJIAYOUGUANFALVFAGUIYAOQIU。
《TONGZHI》HAITIDAO，BAOXIANGONGSIKAIZHANDINGZHIYILIAOBAOXIANYEWU，YINGYANGELVXINGCHANPINSHUOMINGYIWU，ZUOHAOFENGXIANTISHI。DUIBAOZHANGQIJIAN、BAOZHANGZEREN、ZERENMIANCHU、LIPEILIUCHENGDENGGUANJIANXINXIJINXINGRUSHI、CHONGFENGAOZHI。YINGCHANGTONGZIXUNTOUSUQUDAO，JIANLIWANSHANDELIPEIHUIFANGZHIDUJITOUSUCHULIJIZHI，WEIHUCANBAORENLIYI，BINGYIFAYIGUIBAOHUCANBAORENXINXI。
重点查处九大违规行为
ZAIYASHIZHUTIZERENGUIFANJINGYINGXINGWEIFANGMIAN，《TONGZHI》HAIMINGQUELEGEYINBAOJIANJU、GEGONGSIJIHENANKUAI3DEZEREN。
QIZHONG，GEBAOXIANZONGGONGSIDUIDINGZHIYILIAOBAOXIANYEWUFUGUANLIZEREN，FENZHIJIGOUDEBAOZHANGFANGANHECHENGBAOCHANPINXUBAOJINGZONGGONGSISHENHETONGYI，BINGQUDEZONGGONGSIDESHOUQUANSHU、JINGSUANYIJIANSHUHEFALVYIJIANSHU。ZONGGONGSIYINGJIAQIANGGUANLI，MINGQUEYAOQIU，YANGEGUIFANYEWULIUCHENG。YINGZHIDAOHEDUCUFENZHIJIGOUYIFAHEGUIKAIZHANYEWU，ZUOHAOYINGJIYUAN，WANSHANNEIBUWENZEJIZHI。
《TONGZHI》YAOQIU，SHUDIYINXINGBAOXIANJIANGUANBUMENYINGJIAQIANGDINGZHIYILIAOBAOXIANXIANGMUDETONGCHOU，JIADARICHANGJIANGUANGONGZUOLIDU，QIESHIBAOHUXIAOFEIZHEHEFAQUANYI，WEIHUZHENGCHANGSHICHANGZHIXU，ZHONGDIANCHACHUYIXIAWEIGUIXINGWEI：BAOZHANGFANGANQUEFABIYAODESHUJUJICHU；WEIANGUIDINGSHIYONGBEIANCHANPINHUOWEIJISHIBAOGAOBAOZHANGFANGAN；CANYUEYIYAJIAJINGZHENG；WEIGUIZHIFUSHOUXUFEI；KUADAXUANCHUAN、XUJIACHENGNUO、WUDAOXIAOFEIZHE；TUOPEIXIPEI；LIYONGBUZHENGDANGSHOUDUANTAOQU、PIANQUYILIAOBAOXIANJIJIN；MAOYONGZHENGFUMINGYIJINXINGXUJIAXUANCHUAN；XIELUCANBAORENXINXIHUOSHANZIYONGYUQITAYONGTUDENG。