严禁“乱卖”保险产品 金融监管总局发布《金融机构产品适当性管理办法》

Core Viewpoint - The Financial Regulatory Bureau has introduced the "Measures for the Appropriateness Management of Financial Institution Products" to enhance consumer protection and regulate the appropriateness management of financial institutions [1][3] Group 1: Regulatory Framework - The new measures emphasize the importance of understanding products, customers, and sales channels to ensure suitable products are sold to appropriate clients [1][3] - The implementation of the measures is seen as a significant step towards comprehensive regulation of insurance sales behavior, promoting high-quality development in the insurance industry [3] Group 2: Specific Provisions - Financial institutions are required to establish a graded management system for sales personnel based on their insurance knowledge, compliance records, and sales history, linking this to product grading [2] - Special protections are mandated for elderly clients (aged 65 and above) when selling high-risk products, including enhanced disclosure and risk warning obligations [2] Group 3: Impact on Industry and Consumers - The measures are expected to improve compliance capabilities, service quality, and risk management for insurance institutions, thereby enhancing their competitive edge and industry reputation [3] - Consumers will benefit from clearer identification of product risks, better alignment of products with their needs and risk tolerance, and a more transparent and regulated purchasing process [3] Group 4: Implementation Timeline - The measures will take effect on February 1, 2026 [4]