银行代销保险乱象为何屡禁不止

Core Viewpoint - The ongoing issues with banks selling insurance products have been highlighted by recent regulatory penalties, indicating a persistent problem despite efforts to improve oversight [1][2]. Group 1: Regulatory Actions - The Gansu Regulatory Bureau imposed a fine of 300,000 yuan on China Post Group's Ruijin branch for non-compliance in insurance sales, with an additional 60,000 yuan penalty for responsible individuals [1]. - In April 2024, the Financial Regulatory Bureau issued a notice to remove restrictions on the number of partnerships between banks and insurance companies [2]. - A management approach for bank insurance sales was introduced in March 2025, mandating stricter qualifications and behavior management for sales personnel [2]. Group 2: Root Causes of Issues - The primary driver of the insurance sales misconduct is the financial incentive structure, where banks and insurance companies form a close profit-sharing relationship, leading to high commissions that encourage unethical practices [2]. - The low cost of penalties for violations contributes to the persistence of these issues, as the financial gains from non-compliance often outweigh the fines imposed [2]. Group 3: Consumer Vulnerability - Many consumers, particularly the elderly, lack sufficient financial knowledge to differentiate between various financial products, making them susceptible to misleading sales tactics [3]. - Over-reliance on bank staff's recommendations leads consumers to overlook critical contract details, increasing the risk of being misled [3]. Group 4: Regulatory Challenges - The complexity of the banking and insurance sectors complicates regulatory enforcement, with existing regulations facing challenges in practical application [3]. - Regulatory loopholes exist, particularly concerning subtle deceptive practices that evade detection [3]. Group 5: Recommendations for Improvement - Regulatory bodies should enhance penalties and utilize technology for real-time monitoring of financial transactions to sever the profit-sharing links between banks and insurance companies [4]. - Financial literacy programs should be implemented, especially targeting vulnerable groups like the elderly, to improve their understanding of financial products [4]. - Banks and insurance companies need to adopt self-regulatory measures, prioritize customer interests, and establish strict product entry standards [4].