| Notice of the General Office of the China Banking and Insurance Regulatory Commission on Issuing the Work Plan for Rectifying the Disorders in the Insurance Intermediary Market in 2019 | | 中国银保监会办公厅关于印发2019年保险中介市场乱象整治工作方案的通知 |
| (No. 90 [2019] of the General Office of the China Banking and Insurance Regulatory Commission) | | （银保监办发〔2019〕90号） |
| All local offices of the China Banking and Insurance Regulatory Commission and all insurance companies: | | 各银保监局、各保险公司： |
| The Work Plan for Rectifying the Disorders in the Insurance Intermediary Market in 2019 is developed upon deliberation to further curb the violations of laws and regulations in the insurance intermediary market. It is hereby issued to you for your earnest implementation. | | 为进一步遏制保险中介市场违法违规行为，经研究，制定了2019年保险中介市场乱象整治工作方案。现印发给你们，请认真组织实施。 |
| Contact persons and contact information: | | 联系人及联系方式： |
| Inspections on insurance agents: Duan Junyu, 66286980 | | 代理机构相关检查 段俊宇 66286980 |
| Inspections on insurance brokers: Liang Bing, 66286607 | | 经纪机构相关检查 梁 冰 66286607 |
| Inspections on intermediary channels and insurance assessment: Diao Zhenfei, 66288366 | | 保险公司中介渠道、公估检查 刁振飞 66288366 |
| Inspections on Internet-based insurance services: Zhang Lingwei, 66286777 | | 互联网保险业务相关检查 张领伟 66286777 |
| Work Plan for Rectifying the Disorders in the Insurance Intermediary Market in 2019 | | 2019年保险中介市场乱象整治工作方案 |
| Through a series of special inspections and rectifications on insurance intermediaries in recent years, all insurance institutions have heightened their awareness of regulatory compliance, and various risks have been significantly controlled and managed. There are still, however, some insurers that have such problems as non-standard internal management and inconsistent risk control between online and offline businesses, and these disorders in the insurance intermediary market shall not be overlooked. For the purposes of fulfilling the spirit of the 19th CPC National Congress and the Second and Third Sessions of the 19th CPC Central Committee, as well as the Central Economic Work Conference and the National Financial Work Conference, implementing the relevant requirements of the national banking and insurance industry supervision and administration work meetings, and further restraining the illegal acts in the insurance intermediary market, the China Banking and Insurance Regulatory Commission (“CBIRC”) decides to rectify the disorders in the insurance intermediary market in 2019, and the Work Plan is hereby developed as follows: | | 近年来，通过一系列保险中介专项检查和乱象治理工作，各保险机构合规意识有所提升，各类风险得到明显遏制，但仍有部分机构存在内控管理不规范、线上线下管控尺度不一致等问题，保险中介市场乱象问题不容忽视。为深入贯彻党的十九大、十九届二中、三中全会精神和中央经济工作会议、全国金融工作会议精神，落实2019年全国银行业和保险业监督管理工作会议相关要求，进一步遏制保险中介市场违法违规乱象，银保监会决定开展2019年保险中介市场乱象整治工作，现制定方案如下： |
| I. Work Objectives | | 一、工作目的 |
| Efforts shall be focused on rectifying the disorders in the insurance intermediary market, such as poor awareness of risk prevention, failure to implement the responsibilities of risk control, and illegal cooperation with third-party Internet insurance platforms, and severely punishing the relevant violations of laws and regulations. Rectifications shall be made to force the insurance institutions to strengthen internal management, properly handle the hidden risks, and effectively regulate the market order so as to push forward the long-term healthy development of the insurance intermediary market. | | 对保险中介市场存在的风险防范意识弱、管控责任落实不到位、与第三方网络平台非法合作等乱象进行重点整治，严肃查处相关违法违规行为。通过乱象整治工作倒逼保险机构加强内控管理，妥善处置潜在风险，有效规范市场秩序，促进保险中介市场长期稳健发展。 |
| II. Tasks of Rectification | | 二、整治内容 |
| The rectification mainly includes three key tasks: first, supporting insurance companies in controlling and managing various intermediary channels; second, carefully checking the compliance of the businesses of insurance intermediaries; third, stepping up efforts to rectify the insurance businesses of third-party Internet platforms partnering with insurance institutions. It covers a variety of insurance-related entities, including insurance companies, full-time insurance intermediaries, part-time insurance agents, and third-party Internet platforms partnering with insurance institutions. The specific rectification work is as follows: | | 本次乱象整治工作主要包含三项重点任务：一是压实保险公司对各类中介渠道的管控责任；二是认真排查保险中介机构业务合规性；三是强化整治与保险机构合作的第三方网络平台的保险业务。整治对象覆盖保险公司、保险专业中介机构、保险兼业代理机构及与保险机构合作的第三方网络平台。具体整治工作要点如下： |
| 1. All insurance companies shall fulfill the responsibilities of controlling and managing intermediary channels, conduct business operations according to laws and regulations, and focus on whether an insurance intermediary: | | （一）各保险公司应切实履行中介渠道管控责任，依法合规开展经营活动，重点整治以下方面： |
| (1) swindles money in the form of fabricating intermediary businesses or falsely presenting intermediary expenses, including: swindling insurance money by falsely reporting premiums receivable, falsely issuing tax invoices, false endorsing or cancelling insurance policies, fabricating surrender of policies; fabricating an insurance contract or an insured event which has never occurred or exaggerating the degree of losses caused by an insured incident which has actually occurred for a false claim, fraudulently obtaining insurance benefits, or seeking other illicit benefits; fabricating any intermediary business, fabricating data on the staff of insurance intermediaries, falsely presenting intermediary expenses, or preparing and providing false reports, statements, documents and materials on intermediary businesses; | | 1.是否通过虚构中介业务、虚假列支等套取费用。如虚挂应收保险费、虚开税务发票、虚假批改或注销保单、编造退保等套取费用；虚构保险合同、编造未曾发生的保险事故或故意夸大已经发生的保险事故损失程度进行虚假理赔，骗取保险金或者谋取其它不正当利益；编造虚假中介渠道业务、虚构中介渠道从业人员资料、虚假列支中介渠道业务费用或者编制提供虚假的中介渠道业务报告、报表、文件和资料。 |
| (2) sells any non-insurance financial products without approval, or engages in any illegal activities such as illegal fundraising or pyramid scheme; | | 2.是否销售未经批准的非保险金融产品、存在非法集资或传销行为。 |
| (3) instigates or induces an insurance intermediary entity to defraud or mislead any insurance applicant, insured, or beneficiary; | | 3.是否唆使、诱导中介渠道业务主体欺骗、误导投保人、被保险人或者受益人。 |
(4) seeks any illicit benefit for any other institution or individual in the process of intermediary business;
．．．．．． | | 4.是否利用中介渠道业务为其他机构或个人牟取不正当利益。
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