多家险企App因侵犯用户权益被通报 保险业数据治理面临三大薄弱点

Core Insights - The rapid digital transformation in the insurance industry has exposed significant compliance gaps regarding data protection and user rights [1][3][4] - A recent report from the Shanghai Communications Administration highlighted that 27 apps were found to infringe on user rights, with 25 of these being financial apps, predominantly from insurance companies [2][3] Group 1: Compliance Issues - 14 insurance apps from 6 different insurance institutions were specifically identified in the report, indicating a high concentration of compliance issues within the insurance sector [2][3] - Common issues found in these apps included the failure to clearly state personal information processing rules and inadequate handling of user complaints [2][3] Group 2: Industry Challenges - The insurance industry has been criticized for its lack of a robust data compliance culture, with many institutions prioritizing business expansion over privacy compliance [3][4] - There is a systemic issue where data is viewed as a tool for customer conversion rather than a protected asset, leading to practices such as the illegal purchase of customer information [3][4] Group 3: Recommendations for Improvement - Experts suggest that insurance companies need to prioritize personal information compliance, establish strict data management and protection mechanisms, and enhance the efficiency of data utilization [4] - The industry faces three main challenges: weak data foundations, a disconnect between technology and management, and a lack of compliance culture among employees [4]