103家保险公司消保监管评价：一级0家，二级96家，三级7家...

Core Viewpoint - The article discusses the consumer rights protection regulatory evaluation results for insurance companies, highlighting the performance of various firms in this regard and the overall improvement in consumer protection standards within the industry. Group 1: Regulatory Evaluation Results - A total of 103 insurance companies have disclosed their latest consumer rights protection regulatory evaluation results, with 0 rated as Level 1, 96 as Level 2, and 7 as Level 3 [1][16]. - Among the companies directly regulated by the Financial Regulatory Bureau, the highest evaluation is Level 2B, including major firms such as PICC, China Life, Ping An, and Taikang [14][15]. - The number of companies rated Level 2 has increased compared to previous years, with 53 life insurance companies and 43 property insurance companies achieving this rating [16]. Group 2: Evaluation Criteria and Methodology - The consumer rights protection regulatory evaluation is based on a comprehensive assessment of insurance companies' consumer rights protection efforts, which includes five main aspects: system construction, mechanism and operation, operation and service, education and publicity, and dispute resolution [23][24]. - The evaluation scores are weighted, with the corporate and branch evaluations contributing 40% and 60% respectively to the overall score [15]. - The evaluation results are categorized into four levels, with Level 1 indicating leading performance, Level 2 indicating moderate performance, Level 3 indicating below-average performance, and Level 4 indicating poor performance [20][22]. Group 3: Industry Trends and Future Outlook - The article notes that the insurance industry is transitioning towards high-quality development, with a focus on products that offer guaranteed and floating returns, which increases the need for effective sales and claims management [11][12]. - The Financial Regulatory Bureau has announced plans to revise the consumer rights protection regulatory evaluation methods, which will now include a five-level rating system and additional evaluation criteria starting in 2026 [29][26]. - The new evaluation framework aims to enhance consumer protection and ensure that insurance companies are held accountable for their practices [29].