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银保监会:非保险机构和个人不得开展互联网保险业务

来源:中国银行保险报发布时间:2019-12-15 09:1252 阅读: 54

WEIGUIFANHULIANWANGBAOXIANYEWU,YOUXIAOFANGFANFENGXIAN,BAOHUXIAOFEIZHEHEFAQUANYI,TISHENGBAOXIANYEFUWUSHITIJINGJIHESHEHUIMINSHENGDESHUIPING,RIQIAN,YINBAOJIANHUIFABUSHISHI《HULIANWANGBAOXIANYEWUJIANGUANBANFA》(YIXIAJIANCHENG《BANFA》)。YINBAOJIANHUIYOUGUANBUMENFUZERENHUIDALEJIZHETIWEN。

一、《办法》修订的背景是什么,修订所遵循的原则是什么,主要包括哪些内容?

SUIZHEHULIANWANGDENGJISHUZAIBAOXIANXINGYEDEBUDUANSHENRUYUNYONG,HULIANWANGBAOXIANYEWUZUOWEIBAOXIANXIAOSHOUYUFUWUDEYIZHONGXINXINGTAI,SHENKEYINGXIANGLEBAOXIANYETAIHEBAOXIANJIANGUAN。HULIANWANGBAOXIANYEWUZAIKUAISUFAZHANDETONGSHIYEBAOLUCHULEYIXIEWENTIHEFENGXIANYINHUAN,JIXINGYEHEJIANGUANDAILAILETIAOZHAN。WEIGUIFANHULIANWANGBAOXIANYEWU,YOUXIAOFANGFANFENGXIAN,BAOHUXIAOFEIZHEHEFAQUANYI,TISHENGBAOXIANYEFUWUSHITIJINGJIHESHEHUIMINSHENGDESHUIPING,YINBAOJIANHUIXIUDINGBANBU《BANFA》。

《BANFA》XIUDINGGONGZUOJIANJUEGUANCHELUOSHIZHONGYANGJINGSHENHEJUECEBUSHU,ZHUYIBAWOYIXIAGONGZUOYUANZE:YISHIWENTIDAOXIANG,JIANJUEGUANCHELUOSHIGEXIANGFANGFENGXIANCUOSHI;ERSHITONGCHOUTUIJIN,ZUODAOHULIANWANGBAOXIANZHIDUXIEDIAOTONGYI;SANSHIFUWUSHIJIAN,ZUODAOJIANGUANZHIDUWUSHIGUANYONG,TIGAOKECAOZUOXING;SISHISHENSHENBAORONG,YINDAOXINXINGYETAIJIANKANGHEGUICHENGZHANG。

《BANFA》GONG5ZHANG83TIAO,JUTIBAOKUOZONGZE、JIBENYEWUGUIZE、TEBIEYEWUGUIZE、JIANDUGUANLIHEFUZE。ZHONGDIANGUIFANNEIRONGBAOKUO:YISHILIQINGHULIANWANGBAOXIANYEWUBENZHI,MINGQUEZHIDUSHIYONGHEXIANJIEZHENGCE;ERSHIGUIDINGHULIANWANGBAOXIANYEWUJINGYINGYAOQIU,QIANGHUACHIPAIJINGYINGYUANZE,DINGYICHIPAIJIGOUZIYINGWANGLUOPINGTAI,GUIDINGCHIPAIJIGOUJINGYINGTIAOJIAN,MINGQUEFEICHIPAIJIGOUJINZHIXINGWEI;SANSHIGUIFANHULIANWANGBAOXIANYINGXIAOXUANCHUAN,GUIDINGGUANLIYAOQIUHEYEWUXINGWEIBIAOZHUN;SISHIQUANLIUCHENGGUIFANHULIANWANGBAOXIANSHOUHOUFUWU,GAISHANXIAOFEITIYAN;WUSHIANJINGYINGZHUTIFENLEIJIANGUAN,ZAIGUIDING“JIBENYEWUGUIZE”DEJICHUSHANG,ZHENDUIHULIANWANGBAOXIANGONGSI、BAOXIANGONGSI、BAOXIANZHONGJIEJIGOU、HULIANWANGQIYEDAILIBAOXIANYEWU,FENBIEGUIDINGLE“TEBIEYEWUGUIZE”;LIUSHICHUANGXINWANSHANJIANGUANZHENGCEHEZHIDUCUOSHI,ZUOHAOZHENGCESHISHIGUODUANPAI。

二、互联网保险业务的定义是什么,《办法》的适用范围包括哪些情况?针对线上线下业务融合,如何衔接适用监管规则?

《BANFA》GENJUHULIANWANGBAOXIANYEWUBENZHIHEFAZHANGUILV,MINGQUELE“HULIANWANGBAOXIANYEWU”DEDINGYI,JI“BAOXIANJIGOUYITUOHULIANWANGDINGLIBAOXIANHETONG、TIGONGBAOXIANFUWUDEBAOXIANJINGYINGHUODONG。”

《BANFA》GUIDING,TONGSHIMANZUYIXIASANGETIAOJIANDEBAOXIANYEWU,JIWEIHULIANWANGBAOXIANYEWU:YISHIBAOXIANJIGOUTONGGUOHULIANWANGHEZIZHUZHONGDUANSHEBEIXIAOSHOUBAOXIANCHANPINHUOTIGONGBAOXIANJINGJIFUWU;ERSHIXIAOFEIZHENENGGOUTONGGUOBAOXIANJIGOUZIYINGWANGLUOPINGTAIDEXIAOSHOUYEMIANDULILEJIECHANPINXINXI;SANSHIXIAOFEIZHENENGGOUZIZHUWANCHENGTOUBAOXINGWEI。

《BANFA》ZHENDUIQUDAORONGHEQINGXINGGUIDINGLEZHENGCEXIANJIESHIYONGFANGFA:TOUBAORENTONGGUOBAOXIANJIGOUJIQICONGYERENYUANTIGONGDEBAOXIANCHANPINTOUBAOLIANJIEZIXINGWANCHENGTOUBAODE,YINGTONGSHIMANZUBEN《BANFA》JISUOSHUQUDAOXIANGGUANJIANGUANGUIDING。SHEJIXIANSHANGXIANXIARONGHEKAIZHANBAOXIANXIAOSHOUHUOBAOXIANJINGJIYEWUDE,QIXIANSHANGHEXIANXIAJINGYINGHUODONGFENBIESHIYONGXIANSHANGHEXIANXIAJIANGUANGUIZE;WUFAFENKAISHIYONGJIANGUANGUIZEDE,TONGSHISHIYONGXIANSHANGHEXIANXIAJIANGUANGUIZE,GUIZEBUYIZHIDE,YINGJIANCHIHEGUIJINGYINGHEYOULIYUXIAOFEIZHEDEYUANZE。

LINGWAI,BAOXIANJIGOUJIQICONGYERENYUANJIEZHUHULIANWANGBAOXIANYEWUMINGYIJINXINGXIANXIAXIAOSHOUDE,BAOKUOCONGYERENYUANJIEZHUYIDONGZHANYEGONGJUJINXINGMIANDUIMIANXIAOSHOU、CONGYERENYUANSHOUJITOUBAOXINXIHOUJINXINGXIANSHANGLURUDENGQINGXING,YINGMANZUQISUOSHUQUDAOXIANGGUANJIANGUANGUIDING,BUSHIYONGBEN《BANFA》。

三、哪些机构可以开展互联网保险业务?保险机构开展互联网保险业务应当满足哪些条件?是否需要申请业务许可或进行业务备案?

《BANFA》GUIDING,HULIANWANGBAOXIANYEWUYINGYOUYIFASHELIDEBAOXIANJIGOUKAIZHAN,QITAJIGOUHEGERENBUDEKAIZHANHULIANWANGBAOXIANYEWU。BAOXIANJIGOUKAIZHANHULIANWANGBAOXIANYEWU,BUDECHAOCHUGAIJIGOUXUKEZHENG(BEIANBIAO)SHANGZAIMINGDEYEWUFANWEI。《BANFA》SUOCHENGDEBAOXIANJIGOU,BAOKUOBAOXIANGONGSI(HANXIANGHUBAOXIANZUZHIHEHULIANWANGBAOXIANGONGSI)HEBAOXIANZHONGJIEJIGOU。BAOXIANZHONGJIEJIGOUBAOKUOBAOXIANDAILIREN(BUHANGERENBAOXIANDAILIREN)、BAOXIANJINGJIREN、BAOXIANGONGGUREN。《BANFA》SUOCHENGDEBAOXIANDAILIREN(BUHANGERENBAOXIANDAILIREN)BAOKUOBAOXIANZHUANYEDAILIJIGOU、YINXINGLEIBAOXIANJIANYEDAILIJIGOUHEYIFAHUODEBAOXIANDAILIYEWUXUKEDEHULIANWANGQIYE。

《BANFA》GUIDINGLEBAOXIANJIGOUJIQIZIYINGWANGLUOPINGTAIYINGJUBEIDETIAOJIAN,BAOKUOWANGZHANBEIAN、XINXIXITONG、ANQUANFANGHU、DENGJIBAOHU、YINGXIAOMOSHI、GUANLITIXI、ZHIDUHENANKUAI3、JIANGUANPINGJIADENG。

BAOXIANJIGOUZHIYAOMANZU《BANFA》GUIDINGDETIAOJIAN,JIKEKAIZHANHULIANWANGBAOXIANYEWU,BUXUYAOSHENQINGYEWUXUKEHUOJINXINGYEWUBEIAN。BUMANZUGUIDINGTIAOJIANDEBUDEKAIZHANHULIANWANGBAOXIANYEWU,YIJINGKAIZHANDEYINGLIJITINGZHITONGGUOHULIANWANGXIAOSHOUBAOXIANCHANPINHUOTIGONGBAOXIANJINGJIFUWU,ZHENGGAIHOUMANZUGUIDINGTIAOJIANDEKEYIHUIFUKAIZHANXIANGGUANHULIANWANGBAOXIANYEWU。LINGWAI《BANFA》QIANGHUASHIZHONGSHIHOUJIANGUAN,CONGJINGYINGFANWEI、XIANZHONGXIANZHI、JIANGUANCUOSHI、FALVZERENDENGJIFANGMIANZUOLEGUIDING。

四、银行能否经营互联网保险业务,有哪些要求?

GENJU《BANFA》,YINXINGLEIBAOXIANJIANYEDAILIJIGOUKEYIJINGYINGHULIANWANGBAOXIANYEWU。YINXINGLEIBAOXIANJIANYEDAILIJIGOUJINGYINGHULIANWANGBAOXIANYEWU,CHULEYAOMANZU《BANFA》DUIBAOXIANJIGOUDEYIBANYAOQIUWAI,HAIYAOMANZUZHENDUIYINXINGDEZHUANMENYAOQIU:YISHIYINGTONGGUODIANZIYINXINGYEWUPINGTAIXIAOSHOU;ERSHIYINGFUHEYINBAOJIANHUIGUANYUDIANZIYINXINGYEWUJINGYINGQUYUDEJIANGUANGUIDING;SANSHIBUDEJIANGHULIANWANGBAOXIANYEWUZHUANWEITUOJIQITAJIGOUHUOGEREN。

五、对于互联网企业代理保险业务有哪些要求?

HULIANWANGQIYEDAILIBAOXIANYEWU,YAOMANZU《BANFA》DUIBAOXIANJIGOUDEYIBANYAOQIU。CIWAI,《BANFA》HAIZHENDUIHULIANWANGQIYEDAILIBAOXIANYEWUQIANGHUALEYIXIAYAOQIU:YISHIYAOQIUCHIPAIJINGYING,HULIANWANGQIYEDAILIBAOXIANYEWUYINGHUODEJINGYINGBAOXIANDAILIYEWUXUKE;ERSHIYINGYOUJIAOQIANGDEHEGUIGUANLINENGLI、CHANGJINGHELIULIANGYOUSHI、XINXIJISHUSHILIDENG;SANSHIYINGSHIXIANYEWUDULIYUNYING,YUZHUYINGYEWUSHIXIANYEWUGELIHEFENGXIANGELI;SISHIBUDEJIANGHULIANWANGBAOXIANYEWUZHUANWEITUOJIQITAJIGOUHUOGEREN;WUSHIJIAQIANGXIAOFEIZHEQUANYIBAOHU,JIANLISHOUHOUFUWUKUAISUFANYINGJIZHI。

六、实践中存在非保险机构打擦边球、涉嫌非法经营互联网保险业务的情况,《办法》对此有哪些规定?

《BANFA》GUIDING,HULIANWANGBAOXIANYEWUYINGYOUYIFASHELIDEBAOXIANJIGOUKAIZHAN,QITAJIGOUHEGERENBUDEKAIZHANHULIANWANGBAOXIANYEWU。《BANFA》DUIFEIBAOXIANJIGOUDEXINGWEIBIANJIEZUOLEMINGQUEGUIDING,GUIDINGFEIBAOXIANJIGOUBUDEKAIZHANHULIANWANGBAOXIANYEWU,BAOKUODANBUXIANYUYIXIASHANGYEXINGWEI:YISHITIGONGBAOXIANCHANPINZIXUNFUWU;ERSHIBIJIAOBAOXIANCHANPIN、BAOFEISHISUAN、BAOJIABIJIA;SANSHIWEITOUBAORENSHEJITOUBAOFANGAN;SISHIDAIBANTOUBAOSHOUXU;WUSHIDAISHOUBAOFEI。

七、《办法》对自营网络平台是如何规定的,严格定义自营网络平台的意义是什么?

WEIYOUXIAOGUANCHECHIPAIJINGYINGYUANZE,《BANFA》DUIZIYINGWANGLUOPINGTAIZUOLEYANGE、MINGQUEDEDINGYI:ZIYINGWANGLUOPINGTAISHIZHIBAOXIANJIGOUWEIJINGYINGHULIANWANGBAOXIANYEWU,YIFASHELIDEDULIYUNYING、XIANGYOUWANZHENGSHUJUQUANXIANDEWANGLUOPINGTAI。ZHIYOUBAOXIANJIGOUZONGGONGSISHELIDEWANGLUOPINGTAICAISHIZIYINGWANGLUOPINGTAI,BAOXIANJIGOUFENZHIJIGOUYIJIYUBAOXIANJIGOUJUYOUGUQUAN、RENYUANDENGGUANLIANGUANXIDEFEIBAOXIANJIGOUSHELIDEWANGLUOPINGTAI,BUSHUYUZIYINGWANGLUOPINGTAI,BUDEJINGYINGHULIANWANGBAOXIANYEWU。

ZIYINGWANGLUOPINGTAISHIBAOXIANJIGOUJINGYINGHULIANWANGBAOXIANYEWUDEWEIYIZAITI,GENGSHIJIAQIANGJIANGUANDEZHUYAOZHUASHOU。《BANFA》YANGEDINGYIZIYINGWANGLUOPINGTAI,BINGYAOQIUKEHUTOUBAOYEMIANBIXUSHUYUCHIPAIJIGOUZIYINGWANGLUOPINGTAI,ZHUYAOSHIWEILEQUANMIANQIANGHUACHIPAIJINGYINGLINIAN,YASHIBAOXIANJIGOUZHUTIZEREN。LINGWAI,YEYOUZHUYUJIEJUEBAOXIANJIGOUHUOQUKEHUXINXIDENANTI,YOUZHUYUDUJUEJIELIUBAOFEI、PINGHENGSHICHANGLILIANG、KONGZHIQUDAOFEIYONG,YOUZHUYUJIANSHAOXIAOSHOUWUDAO、CUJINXIAOFEIZHEJIAOYU、BAOZHANGXINGYEZHANGQIWENJIANFAZHAN。

八、保险机构从业人员能否从事互联网保险业务?关于互联网保险营销宣传,《办法》对保险机构及其从业人员分别是如何规定的?

DANGQIANBAOXIANJIGOUCONGYERENYUANPUBIANTONGGUOWEIXINPENGYOUQUAN、GONGZHONGHAO、WEIXINQUN、WEIBO、DUANSHIPIN、ZHIBODENGFANGSHICANYUHULIANWANGBAOXIANYINGXIAOXUANCHUAN,WEIGUIFANYINGXIAOXUANCHUANXINGWEI、BAOZHANGSHICHANGWENDING、CUJINJIUYEHEFUGONGFUCHAN,《BANFA》GUIDINGBAOXIANJIGOUCONGYERENYUANJINGSUOSHUJIGOUSHOUQUANHOU,KEYIKAIZHANHULIANWANGBAOXIANYINGXIAOXUANCHUAN。《BANFA》QIANGHUALEBAOXIANJIGOUDEZHUTIZEREN,DUICONGYERENYUANKAIZHANHULIANWANGBAOXIANYINGXIAOXUANCHUANJINXINGLEZHENDUIXINGDEYANGEGUIDING。

《BANFA》QIANGHUALECHIPAIJIGOUGUANLIZEREN,TICHULEYOUGUANYAOQIU:YISHIBAOXIANJIGOUYINGWEIHULIANWANGBAOXIANYINGXIAOXUANCHUANJIANLIYIXILIEGUANLIZHIDU;ERSHIBAOXIANJIGOUYINGKAIZHANYINGXIAOXUANCHUANXINXISHENHE、JIANCE、JIANCHA,BINGCHENGDANHEGUIZHUTIZEREN;SANSHIBAOXIANJIGOUYINGANZHAOXIANGGUANJIANGUANGUIDINGDUICONGYERENYUANJINXINGZHIYEDENGJIHEGUANLI,BIAOSHIQICONGSHIHULIANWANGBAOXIANYEWUDEZIZHI;SISHIBAOXIANJIGOUJIQICONGYERENYUANYINGSHENZHONGXIANGXIAOFEIZHEFASONGHULIANWANGBAOXIANCHANPINXINXI。LINGWAI,《BANFA》YAOQIUHULIANWANGBAOXIANYINGXIAOXUANCHUANHUODONGYINGFUHE《GUANGGAOFA》、JINRONGYINGXIAOXUANCHUANYIJIYINBAOJIANHUIXIANGGUANGUIDING。

GUANYUCONGYERENYUANYINGXIAOXUANCHUAN,《BANFA》MINGQUELEJUTIYAOQIU:YISHICONGYERENYUANYINGZAIBAOXIANJIGOUSHOUQUANFANWEINEIKAIZHANHULIANWANGBAOXIANYINGXIAOXUANCHUAN;ERSHICONGYERENYUANFABUDEYINGXIAOXUANCHUANNEIRONGYINGYOUSUOSHUBAOXIANJIGOUTONGYIZHIZUO;SANSHICONGYERENYUANYINGZAIYINGXIAOXUANCHUANYEMIANXIANZHUWEIZHIBIAOMINGSUOSHUBAOXIANJIGOUQUANCHENGJIGERENXINGMING、ZHIYEZHENGBIANHAODENGXINXI。

GUANYUYINGXIAOXUANCHUANNEIRONG,《BANFA》YEZUOLEZHENDUIXINGGUIDING:YISHIKAIZHANYINGXIAOXUANCHUANHUODONGYINGZUNXUNQINGXIZHUNQUE、TONGSUYIDONG、FUHESHEHUIGONGXULIANGSUDEYUANZE;ERSHIYINGXIAOXUANCHUANNEIRONGYINGYUBAOXIANHETONGTIAOKUANBAOCHIYIZHI;SANSHIYINGXIAOXUANCHUANYEMIANYINGZHUNQUEMIAOSHUBAOXIANCHANPINDEZHUYAOGONGNENGHETEDIAN。

九、保险机构可以通过互联网销售哪些保险产品?经营区域是否有限制?

HULIANWANGBAOXIANFAZHANXUNSU,JIANGUANZHIDUXUYAOWEIWEILAIDEFAZHANYULIUZHENGCEKONGJIAN,《BANFA》DIWUSHIERTIAO、DIWUSHIBATIAODUITONGGUOHULIANWANGXIAOSHOUDEBAOXIANCHANPINHEJINGYINGQUYUZUOLEYUANZEXINGGUIDING,YINBAOJIANHUIJIANGGENJUHULIANWANGBAOXIANYEWUFAZHANJIEDUAN、BUTONGBAOXIANCHANPINDEFUWUBAOZHANGXUYAO,LINGXINGGUIDINGBAOXIANJIGOUTONGGUOHULIANWANGXIAOSHOUBAOXIANCHANPINDEXIANZHONGFANWEIHEXIANGGUANTIAOJIAN。YINBAOJIANHUIJIANGJISHIBANBUXIANGGUANZHENGCE,BAOZHANGZHENGCEYOUXIAOXIANJIE。

十、《办法》对互联网保险业务售后服务有哪些要求?

《BANFA》DUIHULIANWANGBAOXIANYEWUSHOUHOUFUWUDEQUANLIUCHENGTICHUJINGYINGYAOQIUHEFUWUBIAOZHUN:YISHIYAOQIUBAOXIANJIGOUPEIZHICHONGZUDEFUWUZIYUAN,BAOZHANGYUCHANPINTEDIAN、YEWUGUIMOXIANGSHIYINGDEHOUXUFUWUNENGLI;ERSHIYAOQIUBAOXIANJIGOUCHONGFENPILUXINXI,BAOZHANGXIAOFEIZHEDEZHIQINGQUAN,GAOZHIXIAOFEIZHESHOUHOUFUWUNENGFOUQUANLIUCHENGXIANSHANGSHIXIAN;SANSHIDUISHOUHOUFUWUJINXINGQUANMIANGUIFAN,TICHUPIGAI、BAOQUAN、TUIBAO、LIPEIHETOUSUCHULIDENGQUANLIUCHENGFUWUBIAOZHUN,GAISHANXIAOFEITIYAN。

十一、银保监会及其派出机构对互联网保险业务监管是如何分工的?

《BANFA》GUIDING,YINBAOJIANHUITONGCHOUFUZEHULIANWANGBAOXIANYEWUJIANGUANZHIDUZHIDING,YINBAOJIANHUIJIQIPAICHUJIGOUANZHAOGUANYUBAOXIANJIGOUDEJIANGUANFENGONGSHISHIHULIANWANGBAOXIANYEWURICHANGJIANCEYUJIANGUAN。DUIHULIANWANGBAOXIANYEWUDETOUSUHUOJUBAO,YOUTOUSURENHUOJUBAORENJINGCHANGJUZHUDIDEYINBAOJIANJUYIJUXIANGGUANGUIDINGJINXINGCHULI。YINBAOJIANJUKESHOUQUANXIAJIPAICHUJIGOUKAIZHANHULIANWANGBAOXIANYEWUXIANGGUANJIANGUANGONGZUO。

HULIANWANGBAOXIANYEWUDETEDIANZHIYISHIJINGYINGTUPOLEDIYUXIANZHI,XIAOFEIZHEJINGCHANGJUZHUDIHEBAOXIANJIGOUSUOZAIDIBUYIZHISHIFEICHANGPUBIANDEXIANXIANG。DUIYUHULIANWANGBAOXIANYEWUDETOUSUHUOJUBAO,《BANFA》MINGQUEYOUTOUSURENHUOJUBAORENJINGCHANGJUZHUDIDEYINBAOJIANJUFUZE,BIANYUTOUSUJUBAODIYISHIJIANDEDAOCHULI,BIANYUXIAOFEIZHEYUJIANGUANJIGOUDEGOUTONGLIANXI,YOULIYUBAOHUXIAOFEIZHEQUANYI,TONGSHITONGGUOZENGJIAWEIFAWEIGUICHENGBENDAOBIBAOXIANJIGOUGAIJINCHANPINHEFUWU。LINGWAI,XIANGDUIYUCHUANTONGBAOXIANYEWU,HULIANWANGBAOXIANYEWUJIEZHUXINXIXITONGDEBANBENGUANLI、XITONGRIZHI、FENJICUNCHUDENGGONGNENG,KEYIGENGJIAFANGBIANDISHIXIANXIAOSHOUXINGWEIKEHUISU,ZHEIYEWEIJIANGUANBUMENYIDIDIAOCHAQUZHENGTIGONGLEBIANLI。

十二、《办法》在防范化解风险方面有哪些规定?

HULIANWANGBAOXIANYEWUSHEZHONGMIANGUANG、MOSHIZHONGDUO、WENTIFUZA,ZAICUJINXINGYEFAZHANDETONGSHIDAILAIXINDEFENGXIANYINHUAN,YEJIJIANGUANDAILAIXINDETIAOZHAN。《BANFA》JIANGFANGFANHUAJIEFENGXIANFANGZAISHOUWEI:YISHIJIANCHI“JIGOUCHIPAI、RENYUANCHIZHENG”DEYUANZE,QINGXIJIEDINGCHIPAIJIGOUDEQUANLIYIWU、YASHIZHUTIZEREN,BINGYIFUMIANQINGDANXINGSHIMINGQUEFEIBAOXIANJIGOUDEJINZHIXINGWEI;ERSHIMINGQUEZIYINGWANGLUOPINGTAIDINGYI,YAOQIUTOUBAOYEMIANBIXUSHUYUBAOXIANJIGOUDEZIYINGWANGLUOPINGTAI;SANSHIQIANGHUAXINXIPILUYAOQIU,BAOZHANGXIAOFEIZHEZHIQINGQUAN;SISHIQIANGHUAWANGLUOANQUANHEKEHUXINXIBAOHUDEYAOQIU;WUSHIJIANLIJIANGUANXINXIXITONG,JIAQIANGXINXIBAOSONG,TIGAOJIANGUANDEJISHIXING、YOUXIAOXINGHEZHENDUIXING。

十三、《办法》在消费者权益保护方面有哪些规定?

XIAOFEIZHEQUANYIBAOHUSHIJINRONGBAOXIANJIANGUANDECHUFADIANHELUOJIAODIAN,YESHIHULIANWANGBAOXIANYEWUJIANKANGFAZHANDEJICHU。《BANFA》XIUDINGGONGZUOQUANCHENGGUANCHEBAOHUXIAOFEIZHEQUANYIDELINIAN:YISHIGUIDINGBUNENGYOUXIAOGUANKONGFENGXIAN、BUNENGBAOZHANGSHOUHOUFUWUZHILIANGDE,BUDEKAIZHANHULIANWANGBAOXIANXIAOSHOUHUOBAOXIANJINGJIHUODONG;ERSHIQIANGHUAXINXIPILUDEYAOQIU,ZENGJIAXINXIPILUNEIRONG,BAOZHANGXIAOFEIZHEZHIQINGQUAN;SANSHIYAOQIUTOUBAOYEMIANBIXUSHUYUBAOXIANJIGOUDEZIYINGWANGLUOPINGTAI,BAOZHANGJIAOYIANQUAN;SISHIYAOQIUBAOXIANJIGOUJIANLISHOUQIANSHOUZHONGSHOUHOUDEQUANLIUCHENGFUWUTIXI,TISHENGXIAOFEIZHEMANYIDU;WUSHIYAOQIUBAOXIANJIGOUJIANLIKEHUXINXIBAOHUZHIDU,GOUJIANFUGAIQUANSHENGMINGZHOUQIDEKEHUXINXIBAOHUTIXI,FANGFANXINXIXIELU;LIUSHIWEIBIANLIXIAOFEIZHE,DUIHULIANWANGBAOXIANYEWUDETOUSUHUOJUBAO,YOUTOUSURENHUOJUBAORENJINGCHANGJUZHUDIDEYINBAOJIANJUYIJUXIANGGUANGUIDINGJINXINGCHULI。

十四、《办法》在保护互联网保险创新方面有哪些规定?

HULIANWANGBAOXIANBUJINSHIXIAOSHOUQUDAO,GENGSHIJINGYINGFANGSHIHEFUWUXINGTAI,《BANFA》ZAIGUIFANJINGYING、FANGFANFENGXIAN、HUAQINGHONGXIANDEJICHUSHANG,GULIBAOXIANYUHULIANWANG、DASHUJU、QUKUAILIANDENGXINJISHUXIANGRONGHE,ZHICHIHULIANWANGBAOXIANZAIGENGGAOSHUIPINGFUWUSHITIJINGJIHESHEHUIMINSHENG:YISHIGULIKAIFAFUHEHULIANWANGJINGJITEDIAN、FUWUDUOYUANHUABAOZHANGXUQIUDEBAOXIANCHANPIN,RANGBAOXIANYUCHANGJING、JISHUHELIRONGHE;ERSHIGULITUOZHANSHUJUXINXILAIYUAN,YUNYONGSHUJUWAJUE、JIQIXUEXIDENGJISHUTIGAOBAOXIANYEWUFENGXIANSHIBIEHECHUZHIDEZHUNQUEXING;SANSHIZHICHIBAOXIANJIGOUTISHENGXIAOSHOUHEFUWUDETOUMINGHUASHUIPING,KEZAIZIYINGWANGLUOPINGTAITIGONGXIAOFEIZHEZAIXIANPINGJIAGONGNENG,WEIXIAOFEIZHETIGONGCANKAO;SISHIZHICHIBAOXIANZHONGJIEJIGOUKAIZHANJIYUSHUJUCHUANGXINYINGYONGDEFENGXIANGUANLI、JIANKANGGUANLI、ANJIANDIAOCHA、FANGZAIJIANSUNDENGFUWU;WUSHITUIDONGJIANGUANBUMENZAIYOUXIAOFANGFANSHICHANGFENGXIANDEJICHUSHANG,CHUANGXINJIANGUANLINIANHEFANGSHI,JIANLIJIANQUANSHIYINGHULIANWANGBAOXIANTEDIANDEXINXINGJIANGUANJIZHI。


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