去年保险业被罚超4亿元！你的保单安全吗？这些坑得留神

Core Insights - The insurance industry in 2025 faced significant regulatory scrutiny, with approximately 2300 fines issued totaling over 400 million yuan, marking an 18% increase from 2024, the highest in recent years [2][3] Regulatory Actions - The regulatory environment has intensified, with a focus on rectifying market irregularities and pushing the industry towards compliance rather than rapid growth [2] - The fines were predominantly issued to property insurance companies, which accounted for 57.32% of the total fines, followed by life insurance companies at 34.05% and insurance intermediaries at 8.62% [3] - Branch offices and central subsidiaries were responsible for over 60% of the fines, indicating a need for improved management and internal controls at the parent company level [3] Individual Penalties - The introduction of a "double penalty" system has led to increased personal accountability, with 2268 individuals warned and 2239 fined, totaling approximately 83.76 million yuan, which is about 20% of the total fines [4] - Notably, 21 individuals had their qualifications revoked, and 119 were banned from the insurance industry, including 49 who received lifetime bans [5] High-Value Fines - Over 30 institutions received fines exceeding one million yuan, with two major companies fined over ten million yuan each for serious violations [6][7] - Common violations included providing benefits outside of contracts, deceiving policyholders, and falsifying financial data, with the "reporting and execution consistency" issue being a major focus of regulatory attention [7] Compliance and Governance - The industry is urged to shift from a focus on scale and short-term performance to a more sustainable and compliant operational model [8] - Effective compliance requires collaboration across all levels of the insurance company, with the board of directors bearing ultimate responsibility [8] - Future regulatory focus will likely remain on compliance in terms of fee structures, data authenticity, and overall governance capabilities [9]