金融监管总局加强财险监管 非车险“报行合一”正式落地

Core Viewpoint - The National Financial Regulatory Administration has issued a notice to strengthen the regulation of non-auto insurance business, aiming to promote rational competition, reduce costs, improve efficiency, and enhance the quality of non-auto insurance services [1][2]. Summary by Relevant Sections Regulatory Focus - The notice emphasizes a problem-oriented and goal-oriented approach to address issues such as irregular operations and irrational competition in the non-auto insurance sector [1][2]. Key Requirements 1. Optimizing Assessment Mechanisms: Insurance companies are encouraged to shift their focus from scale and speed to quality and efficiency in their non-auto insurance operations [2]. 2. Standardizing Product Development: There will be stricter management of insurance rates and adherence to approved product specifications [2]. 3. Managing Premium Income: Companies must enhance their information systems and internal controls to ensure strict financial management from the source [2]. 4. Strengthening Market Behavior Regulation: Regulatory measures will be enforced against companies that fail to comply with approved rate usage or provide false documentation [2][3]. 5. Improving Underwriting and Claims Services: The aim is to enhance service convenience and increase consumer satisfaction [2]. 6. Supporting Industry Organizations: Industry organizations will play a role in promoting standardization to improve the quality of non-auto insurance operations and regulatory effectiveness [2]. Financial Discipline - Insurance companies are required to adhere to financial discipline, accurately reporting management expenses and controlling intermediary fees within the approved limits [2]. Monitoring and Enforcement - Regulatory bodies will monitor operational indicators of insurance companies and conduct timely regulatory interviews and inspections for those exceeding approved fee levels or showing abnormal expense ratios [3].