只剩不到一个月！非车险“报行合一”落地，财险机构积极备战

Core Points - The Financial Regulatory Authority has issued a notification to enhance the supervision of non-auto insurance businesses, requiring property insurance companies to optimize their assessment mechanisms and standardize product development and usage [1][2][3] - The notification aims to shift the focus of non-auto insurance from scale-oriented growth to quality-oriented development, emphasizing compliance and consumer protection [2][4][6] - The implementation of the notification is set for November 1, 2025, leaving companies with limited time to adjust their operations accordingly [6][7] Group 1: Regulatory Changes - The notification mandates strict adherence to approved insurance terms and rates, prohibiting any substantial changes through informal agreements or modifications [3][5] - Property insurance companies are required to establish a mechanism for periodic rate review and dynamic adjustment, ensuring that pricing aligns with actual operational conditions [3][6] Group 2: Industry Response - Companies are actively preparing for the new regulations by focusing on assessment mechanisms, product management, compliance in distribution channels, and consumer rights protection [7] - The non-auto insurance sector has shown growth, with premium income reaching 514 billion yuan in the first half of 2025, marking a 5.65% increase year-on-year [4]