养老险公司迎“消保新规”：销售误导、理赔难戴上“紧箍咒”

Core Viewpoint - The newly revised "Consumer Rights Protection Regulatory Evaluation Measures" by the National Financial Supervision Administration includes pension insurance companies as core evaluation subjects, aiming to enhance consumer rights protection in the financial industry and address issues like sales misguidance and claims difficulties [2][3]. Group 1: Evaluation Framework - The evaluation framework consists of seven key elements: "system mechanism," "suitability management," "marketing behavior management," "dispute resolution," "financial education," "consumer service," and "personal information protection" [3]. - The weight distribution indicates that "marketing behavior management" and "dispute resolution" together account for 50% of the evaluation, directly targeting long-standing issues in the insurance industry [3]. - Institutions will be evaluated on the entire process from product design to complaint handling, with core indicators including truthful disclosure, risk warnings, and the timeliness and transparency of claims services [3]. Group 2: Regulatory Incentives and Responsibilities - The evaluation results will be scored out of 100 and categorized into five levels, with institutions receiving higher scores benefiting from reduced inspection frequency and support for innovative business trials [4]. - Institutions rated 3 or below will face increased inspection frequency and may need to enhance the weight of consumer protection in their overall performance evaluations [4]. - Institutions rated 5 may be ordered to suspend related business and hold executives accountable, emphasizing the importance of consumer protection at the board and management levels [5]. Group 3: Industry Competition Dynamics - The implementation of the new evaluation measures is expected to reshape competition in the pension insurance sector, linking consumer protection performance directly to institutional development [6][8]. - Some companies have shown high growth in insurance revenue alongside high complaint volumes, while others with fewer complaints have experienced significant declines in revenue [6]. - The shift towards professional development in pension insurance, as mandated by recent regulations, may lead to a decrease in complaints but could also pressure some companies' premium income [7]. Group 4: Consumer Impact - As institutions integrate consumer protection requirements into their performance assessments and business processes, expectations for reduced sales misguidance and improved claims efficiency are becoming more realistic [8]. - The regulatory changes are anticipated to drive the pension insurance industry towards a more standardized and sustainable development path [8].