监管强化保险费率管理 推动非车险产品使用符合备案内容

Core Viewpoint - The recent notification from the Financial Regulatory Bureau emphasizes the need for enhanced regulation of non-auto insurance products, focusing on quality and compliance rather than mere scale and speed [1] Group 1: Regulatory Enhancements - The notification aims to optimize assessment mechanisms, shifting the focus of property insurance companies from scale and speed to quality and efficiency [1] - It mandates the standardization of product development and usage, ensuring strict adherence to approved insurance products and their corresponding rates [1] - There is a requirement for property insurance companies to improve their information systems and internal control mechanisms to ensure strict financial management from the source [1] Group 2: Market Conduct and Consumer Service - The notification strengthens market behavior regulation, imposing penalties for non-compliance with approved rate usage and for providing false reports or documents [1] - It encourages improvements in non-auto insurance underwriting and claims services, aiming to enhance consumer convenience and satisfaction [1] - The role of industry organizations is highlighted to support the orderly development of non-auto insurance standardization, which is essential for improving operational quality and regulatory effectiveness [1]