全流程覆盖+差异化监管 保险业消保监管评价有了“新标尺”

Core Viewpoint - The Financial Regulatory Bureau has revised the "Regulatory Evaluation Method for Consumer Rights Protection of Financial Institutions," expanding the evaluation scope to include pension insurance companies and establishing a comprehensive rating system for consumer protection in the insurance industry [1][2]. Group 1: Evaluation Scope and Changes - The new regulation expands the evaluation scope to include various financial institutions providing services to consumers, specifically mentioning insurance groups, agricultural insurance companies, and pension insurance companies [2]. - The previous exclusion of banks and insurance institutions operating for less than two accounting years has been revised to exclude those operating for less than one complete accounting year [2]. Group 2: Evaluation Criteria - The evaluation framework consists of seven key elements: governance structure, suitability management, marketing behavior management, dispute resolution, financial education, consumer services, and personal information protection [3]. - Marketing behavior management and dispute resolution together account for 50% of the evaluation weight, addressing long-standing issues in the insurance industry such as sales misguidance and claims difficulties [3]. Group 3: Differentiated Regulatory Measures - A five-level, nine-tier evaluation result system has been established, with institutions rated 1 and 2 receiving positive incentives, while those rated 3 and below face increasing regulatory constraints [4]. - Institutions rated 3 may receive risk warning letters and be required to rectify issues, while those rated 4 and 5 could face restrictions on new business operations and accountability measures for senior management [4]. Group 4: Accountability and Internal Mechanisms - Insurance institutions are required to develop rectification plans within 90 days of receiving evaluation results, particularly those rated 3, 4, and 5, thereby enforcing accountability at the board and management levels [7]. - The implementation of this regulation is expected to integrate consumer rights protection into the corporate governance and strategic decision-making processes of insurance companies [5][7]. Group 5: Industry Impact - The new regulatory framework is anticipated to shift the insurance industry's focus from prioritizing business growth to embedding consumer rights protection into all operational aspects [5][8]. - The Financial Regulatory Bureau aims to enhance service levels in the insurance industry and safeguard the legitimate rights of insurance consumers through this evaluation tool [8].