金融监管总局发布《关于加强非车险业务监管有关事项的通知》

Core Viewpoint - The Financial Regulatory Bureau has issued a notification to strengthen the regulation of non-auto insurance businesses, aiming to promote rational competition, reduce costs, improve efficiency, enhance quality, and protect the legitimate rights of insurance consumers, thereby facilitating high-quality development in the non-auto insurance sector [1][2]. Summary by Relevant Sections Regulatory Focus - The notification emphasizes a problem-oriented and goal-oriented approach, focusing on issues such as irregular operations and irrational competition in the non-auto insurance sector [1][2]. Key Requirements 1. Optimizing Assessment Mechanisms: The notification encourages property insurance companies to shift their business philosophy from pursuing scale and speed to focusing on quality and efficiency [1]. 2. Standardizing Product Development: It mandates strict adherence to approved insurance products and emphasizes the importance of rate management [1]. 3. Managing Premium Income: Property insurance companies are required to enhance their information systems and internal control mechanisms to ensure strict financial management from the source [1]. 4. Strengthening Market Behavior Regulation: Regulatory measures will be taken against companies that fail to use approved terms and rates or provide false reports and documents [1]. 5. Improving Underwriting and Claims Services: The notification aims to enhance service convenience and increase consumer satisfaction in the non-auto insurance sector [1]. 6. Supporting Industry Organizations: It encourages industry organizations to play a supportive role in promoting standardization and improving the quality of non-auto insurance operations and regulatory effectiveness [1]. Implementation and Future Steps - The Financial Regulatory Bureau plans to guide local agencies and property insurance companies in implementing these regulatory requirements effectively, ensuring better protection for insurance consumers and achieving high-quality development in the non-auto insurance business [2].