两地试水非车险“见费出单”，全行业监管规则酝酿中

Core Viewpoint - The implementation of "fee-based issuance" in non-auto insurance is a significant measure to comply with regulatory requirements and promote healthy competition within the industry [1][4]. Group 1: Implementation of "Fee-Based Issuance" - Shandong and Yunnan provinces have initiated self-regulatory trials for non-auto insurance "fee-based issuance" this year [1][3]. - In Shandong, as of August 14, all insurance companies (excluding certain types) must collect full or partial premiums before issuing policies [3]. - Yunnan's self-regulatory agreement mandates strict adherence to the "fee-based issuance" system across various non-auto insurance categories [3]. Group 2: Benefits of "Fee-Based Issuance" - "Fee-based issuance" addresses the long-standing issue of irregular premium management in the non-auto insurance sector, reducing financial burdens on companies [4]. - This approach is expected to minimize disputes between insurers and policyholders by ensuring that policies are only issued after premium collection [4]. - The shift towards "fee-based issuance" is anticipated to foster a competitive environment focused on service quality rather than aggressive pricing [4]. Group 3: Industry-Wide Regulations - A nationwide regulatory framework for non-auto "fee-based issuance" is in development, with the Financial Regulatory Bureau proposing guidelines for premium collection before policy issuance [5]. - The implementation of these regulations may lead to short-term challenges for the industry, particularly for smaller insurers who may struggle to adapt [5][6]. - Larger insurance companies are likely to benefit from their financial strength and system capabilities, potentially consolidating their market position [5]. Group 4: Transition Strategies - Experts suggest a gradual implementation of "fee-based issuance," starting with high-frequency or low-value products to mitigate disruption [6]. - Recommendations include establishing a policy buffer period and collaborating with third-party payment platforms to ease the transition for smaller firms [6]. - The long-term outlook indicates that while there may be initial challenges, the policy will ultimately enhance efficiency and quality within the insurance sector [6].