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银保监会规范“惠民保”业务

来源:中国银行保险报发布时间:2019-11-23 14:3219 阅读: 104

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。


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