严禁“乱卖”保险产品

Core Viewpoint - The Financial Regulatory Bureau has introduced the "Management Measures for the Appropriateness of Financial Institution Products," aimed at standardizing the appropriateness management of financial institutions and enhancing consumer protection [1][3]. Group 1: Regulatory Framework - The new measures emphasize the importance of understanding products, customers, and sales channels, ensuring that appropriate products are sold to suitable customers [1][2]. - Financial institutions are required to establish a tiered management system for sales personnel based on their insurance knowledge, compliance records, and sales history, aligning with the product tiering system [2]. Group 2: Consumer Protection - The measures provide special protection for elderly policyholders, mandating that institutions exercise heightened care when selling high-risk products to individuals aged 65 and above [2]. - The implementation of these measures is expected to help consumers better identify product risks and select suitable products based on their needs and risk tolerance [3]. Group 3: Industry Impact - The measures are anticipated to enhance compliance capabilities, improve service quality, and effectively manage risks and disputes within the insurance industry, thereby strengthening its overall competitiveness [3]. - The new regulations will take effect on February 1, 2026, marking a significant step towards high-quality development in the insurance sector [4].