Core Viewpoint - The Supreme People's Court of China released a second batch of five typical cases involving administrative enforcement against enterprises, highlighting the court's role in supervising and correcting illegal administrative actions to protect the property rights and legitimate interests of business entities [1] Group 1: Administrative Enforcement Cases - In a case involving a traditional Chinese medicine company against the Hunan Provincial Xiangtan Market Supervision Administration, the court held the administration accountable for illegal actions, supporting the company's reasonable claims while respecting the regulatory authority's professional judgment [1] - In a case concerning a media company against the Jiangsu Provincial Huai'an City Qingjiangpu District Comprehensive Administrative Law Enforcement Bureau, the court ruled that the forced demolition of an advertisement was illegal and ordered compensation, effectively safeguarding the company's legal rights [1] Group 2: Support for Small and Medium Enterprises - The court emphasized the need for appropriate principles when imposing administrative penalties and enforcement on small and medium enterprises, as seen in the case involving a lubricant technology company in Dongying City, where the court suggested that regulatory authorities refrain from administrative penalties and instead provide guidance to support the healthy growth of small businesses [1]

对于保险产品，《办法》作出细化规定：金融机构销售保险产品的，应当加强对销售人员、销售行 为、销售渠道的管理，建立保险销售资质分级管理体系，以销售人员的保险知识、合规记录、销售履历 等为主要标准，对其进行分级，并与保险产品分级管理制度相衔接，区分销售资质实行差别授权，明确 不同资质可以销售的保险产品类别。金融机构应当在了解投保人相关信息的基础上，对投保人进行需求 分析及财务支付水平评估，提出明确的适当性匹配意见，向投保人提供适当的保险产品。金融机构销售 投资连结型保险等可能导致本金损失产品的，还应当按照本章关于投资型产品的相关要求，开展产品风 险评级和投保人风险承受能力评估。 此外，《办法》还明确要求，保险合同订立前，金融机构判断投保人与保险产品不具备适当性的， 应当建议投保人终止投保。 值得关注的是，《办法》对老年投保群体给予特别保护。具体来看，金融机构向65周岁以上的客户 销售或者与其交易高风险产品的，应当履行特别的注意义务，可以包括制定专门的销售或者交易程序、 追加了解相关信息、强化告知和风险提示、给予更多考虑时间、及时进行回访等。 业内人士普遍认为，《办法》的实施将对保险销售行为进行全面规范，实现源头治 ...

为了让自己养老、医疗有保障，72岁的退休老人魏大娘萌生了购买具有养老、医疗责任的稳健型保 险产品的想法。保险代理人戴某以"回馈老年客户"为由上门推销，宣称某款分红险"年化收益6.5%，保 本增值，附加住院医疗、津贴"。 魏大娘听信了戴某的"专业建议"，未细看合同便由戴某代操作手机投保。该产品年缴保费15万元， 而魏大娘的全部积蓄为60万元，在此情况下，戴某并未告知魏大娘缴费期10年、前3年退保损失70%等 条款内容。 一年后，魏大娘突发中风亟需医疗费，向保险公司申请理赔后，因"未如实告知"被拒赔，后申请退 保，仅拿回4.5万元。遂魏大娘向保险公司进行投诉，公司调查发现，戴某有代签名、代告知等代投保 行为，最终公司全额退款，并对戴某进行处罚。 本案集中暴露出保险销售中违反适当性原则的三个典型问题。一是产品错位。高龄的魏大娘需要的 是流动性强的医疗保障，而戴某推荐的分红险需长期持有才可能实现收益。二是销售过程违规操作。戴 某代投保、代签名，规避金融管理部门的"双录"（同步录音录像）要求，且未询问魏大娘健康状况就代 告知的行为，导致魏大娘后续理赔失败。三是忽视客户风险承受能力。戴某未评估魏大娘的风险承受能 力与金融 ...

此外，《办法》还明确要求，保险合同订立前，金融机构判断投保人与保险产品不具备适当性的， 应当建议投保人终止投保。 值得关注的是，《办法》对老年投保群体给予特别保护。具体来看，金融机构向65周岁以上的客户 销售或者与其交易高风险产品的，应当履行特别的注意义务，可以包括制定专门的销售或者交易程序、 追加了解相关信息、强化告知和风险提示、给予更多考虑时间、及时进行回访等。 7月11日，金融监管总局发布《金融机构产品适当性管理办法》（以下简称《办法》）。这是金融 管理部门为规范金融机构适当性管理、加强金融消费者权益保护推出的又一重要举措。 近年来，金融管理部门持续加码适当性原则的落地实施。2022年，原银保监会下发了《银行保险机 构消费者权益保护管理办法》，其中第十一条规定"银行保险机构应当建立消费者适当性管理机制，对 产品的风险进行评估并实施分级、动态管理，并展开消费者风险认知、风险偏好和风险承受能力测评， 将合适的产品提供给合适的消费者"。2023年，金融监管总局正式发布了《保险销售行为管理办法》， 要求保险公司对销售人员、产品进行分级管理并相互匹配，以提高产品的适当性。 此次《办法》的出台，再次强调金融机构应当 ...

Core Viewpoint - The revised Public Security Administration Punishment Law, effective from January 1 next year, emphasizes the legitimacy of self-defense, introducing a new Article 19 that clarifies the conditions under which individuals can take defensive actions against unlawful infringements without facing penalties [1][2]. Summary by Sections Article 19 Introduction - The new Article 19 states that actions taken to prevent ongoing unlawful infringements that result in damage are not considered violations of public security management and thus are not punishable. However, if the defensive actions exceed necessary limits and cause significant damage, penalties may apply but should be mitigated [1][3]. Legal Continuity and Philosophy - The addition of Article 19 is seen as a continuation and unification of legal provisions regarding self-defense, reflecting the principle that "the law cannot yield to unlawful acts." This principle asserts that every individual has the right to defend their rights against infringement [2][4]. Social Implications - The revision has garnered attention due to past cases where victims faced penalties for defending themselves, leading to a culture of fear in exercising self-defense. The new law aims to provide a solid legal foundation for citizens to protect their rights within reasonable limits, thereby enhancing social justice awareness [2][3]. Conditions for Self-Defense - Article 19 includes conditions that encourage self-defense while also cautioning against excessive responses. It specifies that if the aggressor has ceased their actions, continued retaliation by the victim would be inappropriate, emphasizing the need for proportionality in self-defense [3][4]. Legislative Purpose - The overarching legislative purpose of the Public Security Administration Punishment Law is to protect the legitimate rights and interests of citizens, organizations, and other entities. The revised Article 19 provides legal grounds for citizens to assert their rights in the face of unlawful actions [4].

Core Points - The revised Public Security Administration Punishment Law clarifies citizens' rights to take defensive measures against unlawful acts, providing a solid legal backing for self-defense actions and encouraging citizens to protect their rights within reasonable limits [1][2] - The new law, effective from January 1 next year, introduces Article 19, which states that actions taken to prevent ongoing unlawful harm that result in damage will not be considered violations of public security management and will not incur penalties [1][3] - The law emphasizes the principle that "the law cannot yield to unlawful acts," reflecting a commitment to uphold justice and protect citizens' rights [2][3] Summary by Sections Legal Framework - The addition of Article 19 in the revised law is a continuation and unification of existing legal provisions regarding self-defense, aligning with the Criminal Law's Article 20, which also recognizes legitimate self-defense actions [1][2] - The law aims to protect the legitimate rights and interests of citizens, legal persons, and other organizations, providing a legal basis for citizens to assert their rights [3] Social Implications - The revised law addresses past issues where victims of unlawful acts hesitated to defend themselves due to fears of being penalized for mutual fighting, thus reinforcing the right to self-defense [2] - The law encourages citizens to bravely uphold their rights while also reminding them to exercise moderation in their defensive actions, as excessive responses may still lead to penalties [3]

作 者丨杨希 编 辑丨周炎炎 图 源丨 图虫 为加强对商业银行代理销售业务监督管理，促进代理销售业务健康有序发展，国家金融监督管 理总局近日发布《商业银行代理销售业务管理办法》（以下简称《办法》），自2 0 2 5年1 0月1 日起施行。 金融监管总局表示，规范商业银行代理销售业务，是该局统筹推进防风险、强监管、促发展， 切实提升监管实效的重要举措。强化代销业务监管，有利于督促商业银行强化风险管理，持续 提升合规经营水平，切实保护金融消费者合法权益。 记者注意到，此次落地的《办法》共八章5 4条。其中第二章为代销业务内部管理制度，明确 商业银行开展代销业务需建立健全管理制度、业务系统、内部管理、消费者保护等机制。第三 章合作机构管理，强化商业银行对合作机构的管理责任，明确合作机构准入审查要求和退出机 制，明晰商业银行和合作机构的法律责任。第四章代销产品准入管理，强化商业银行对代销产 品的准入管理责任，明确尽职调查要求。 《办法》提出，商业银行总行应当对合作机构实行名单制管理，确定合作机构资质审查标准， 明确准入条件和程序，建立并有效实施对合作机构的尽职调查、评估和审批制度。对于已经准 入的合作机构，商业银行应 ...