大家人寿将产品适当性管理纳入公司经营重点工作

Core Viewpoint - The implementation of the "Financial Institutions Product Suitability Management Measures" emphasizes the importance of appropriate product management in the insurance industry, with a focus on ensuring that suitable products are sold through appropriate channels to the right customers [1][2]. Group 1: Product Suitability Management - The company has integrated product suitability management into its core business operations, establishing a comprehensive management system that covers product design, sales service, and post-sale tracking [1]. - A special task force has been formed to respond quickly to the new regulations, revising existing management systems to align with regulatory requirements and company practices [1][2]. - The company has categorized life insurance products into five classes based on their attributes and risk characteristics, embedding suitability reviews into the product development process [1]. Group 2: Sales Qualification Management - The company has upgraded its sales qualification management system, categorizing agents into four levels based on core indicators such as experience, knowledge, and integrity, linking these levels to the complexity of the products sold [2]. - The company has confirmed the sales qualifications of insurance products with partner banks to ensure compliance with suitability management requirements [2]. Group 3: Technology and Process Enhancement - The company leverages financial technology to enhance proactive defense and precise service capabilities in product suitability management, creating a digital control system that allows for pre-approval, strong verification during the process, and traceability afterward [2]. - The company is actively promoting the return of key information from the suitability assessment phase to ensure traceability in the management process and extending service boundaries by providing online suitability assessment services through its official WeChat account [2].