金融监管总局发布非车险新规，明确非车险“报行合一”要求

Core Viewpoint - The Financial Regulatory Administration has issued a notification to strengthen the regulation of non-auto insurance business, aiming to enhance the quality and efficiency of this sector [1] Summary by Relevant Sections Regulation of Non-Auto Insurance Products - The notification specifies that non-auto insurance refers to all property insurance business excluding motor vehicle insurance [1] - It mandates strict adherence to approved insurance products and requires that non-auto insurance products align with their registered content, emphasizing the "reporting and execution" principle [1] Prohibited Practices - Property insurance companies and intermediaries are prohibited from altering approved insurance terms through special agreements, endorsements, or other means [1] - Practices such as splitting insurance objects, changing insured attributes, or adjusting deductibles to indirectly modify insurance rates are also banned [1] Management and Operational Changes - The notification encourages a shift in the operational philosophy of property insurance companies from focusing on scale and speed to prioritizing quality and efficiency [1] - It calls for improved premium income management and the establishment of robust internal control mechanisms to ensure strict financial management from the source [1] Overall Impact - The issuance of the notification represents a comprehensive review and systematic optimization of non-auto insurance regulatory policies [1] - It aims to foster rational competition, reduce costs, enhance efficiency, and promote high-quality development in the non-auto insurance sector, ultimately providing better insurance protection for the public and supporting economic development [1]