监管推动建立保险销售资质分级管理

Core Viewpoint - The newly released "Measures for the Appropriateness Management of Financial Institution Products" by the National Financial Supervision Administration aims to enhance the regulation of insurance product sales, ensuring consumer protection and reducing sales misguidance, which is expected to benefit the long-term healthy development of the insurance industry [1][2][3]. Summary by Relevant Sections Regulation of Insurance Sales - Financial institutions are required to classify and grade insurance products based on factors such as product type and benefit certainty, and to strengthen management of sales personnel, behaviors, and channels [2][3]. - A tiered management system for insurance sales qualifications will be established, linking the qualifications of sales personnel to the classification of insurance products [2][3]. Consumer Protection Measures - Before concluding an insurance contract, if a financial institution determines that the product is not suitable for the policyholder, it must recommend termination of the insurance application [2][3]. - For investment-type insurance products, specific conditions must be met before underwriting, such as premium limits relative to the policyholder's income [3]. Industry Impact and Future Outlook - The implementation of the new measures is expected to significantly reduce sales misguidance and protect consumer rights, promoting a healthier insurance industry [4][5]. - Industry experts emphasize the need for insurance companies to adapt quickly to these regulatory changes by aligning their sales strategies with consumer needs [3][5].