持续推进保险消费者权益保护形成合力

Core Insights - The insurance industry in China is facing significant consumer complaints, particularly related to misleading marketing practices and unauthorized automatic deductions [1][2] Group 1: Consumer Complaints - Complaints are primarily focused on three areas: low-price inducement leading to unauthorized automatic insurance purchases, false advertising and sales misrepresentation, and unauthorized vehicle insurance sales by unqualified companies [1] - The rapid development of the insurance sector has led to a variety of products and sales channels, but non-compliant marketing practices hinder the industry's high-quality growth [1] Group 2: Regulatory Measures - Financial regulatory authorities are enhancing oversight with new regulations aimed at curbing false advertising and sales misrepresentation, including the "Internet Insurance Business Regulatory Measures" and "Insurance Sales Behavior Management Measures" [2] - In July, a notification was issued to control risks associated with traffic safety insurance, prohibiting institutions from targeting unspecified vehicles [2] Group 3: Consumer Rights Protection - More insurance companies are embedding consumer rights protection into their business strategies, transitioning from passive compliance to proactive service [3] - Companies are implementing compliance management in the insurance application process and establishing dual reminder mechanisms for automatic deductions to ensure consumer awareness [3] Group 4: Future Directions - The insurance industry must continue to deepen the consumer-centric approach, integrating consumer rights protection into all aspects of development to achieve a balance between high-quality growth and consumer protection [4]