强化人身险数据报送要求 持续提升数据质量

Core Viewpoint - The Financial Regulatory Bureau has issued a notification to enhance the standardization of regulatory data reporting for life insurance companies, aiming to improve data quality and strengthen the regulatory data foundation [1][2][4] Group 1: Data Reporting Requirements - Life insurance companies are required to report standardized regulatory data for the period from January 1, 2023, to March 31, 2025, by April 20, 2025, according to the 2024 version of the regulatory data standard [1] - Starting from May 2025, life insurance companies must submit full, incremental, and change data by the 20th of each month [1][3] - The notification emphasizes that companies must ensure data integrity and accuracy in their reporting processes [2][3] Group 2: Data Quality Issues - Several companies have reported issues such as incorrect content in data files, inconsistencies between message content and data packages, and failures in data package decompression [2] - Historical data reporting has been problematic, with some companies failing to report stock data since January 1, 2023, leading to omissions in key information like premiums and claims [2] - Companies have also been found to frequently revise and resubmit data, negatively impacting the timeliness and accuracy of the information [2][3] Group 3: Data Governance and Management - The notification mandates that life insurance companies establish a data responsibility system, assigning specific departments and individuals to oversee data quality and governance [2][3] - Companies are required to enhance their data management capabilities and improve the overall quality of their data through comprehensive governance practices [3] - The notification also calls for the China Banking and Insurance Regulatory Commission to assist in data verification and establish a reporting accountability system [3][4] Group 4: Industry Implications - Standardized regulatory data reporting is crucial for the formulation of scientific policies and the planning of industry development paths, providing reliable data for decision-making [4] - The notification aims to address the root causes of previous data reporting issues, such as insufficient internal focus and lack of accountability [4]