此外，昆仑健康保险还总结出四大实用建议，助力消费者筑牢风险防线：包括精准剖析自身需求、积极 配合金融机构风险测评、谨慎挑选销售渠道、仔细研读保险条款等，呼吁公众在投保之前做到"心中有 数、规划先行"。 昆仑健康保险以2025年金融教育宣传周为契机，通过真实案例+专业解读的方式，将抽象原则转化为消 费者可感知、可操作的建议，真正实现"保障金融权益"从理念到行动的落地，体现出保险公司在消费者 教育领域的责任与担当。 在2025年"金融教育宣传周"期间，昆仑健康保险积极响应"保障金融权益，助力美好生活"主题，通过发 布典型案例解析、普及金融消费知识，切实提升消费者风险防范意识。近日，昆仑健康保险以一位新手 妈妈遭遇保单错配的真实案例为切入点，深入解读保险配置中的"适当性"原则，为众多家庭提供了一份 实用的金融决策参考。 案例中的刘女士（化名）原计划为新生儿配置侧重健康保障的保险方案，却在家庭因素影响下额外购买 了超出预算的教育金产品，导致健康类保障额度不足且整体缴费压力增大。针对这一现象，昆仑健康保 险在金融教育宣传周专门对该案例做出分析和提醒，强调保险产品应遵循"需求匹配、量力而行"的配置 原则。 昆仑健康保险专 ...

Group 1 - The core principle of suitability emphasizes matching financial products to the investor's risk identification and risk-bearing capabilities [1] - Financial markets do not offer a universal investment solution; individual financial status, risk tolerance, investment goals, and experience should guide personalized assessments [1] - Different investors may prefer varying strategies, with some opting for conservative savings and investment approaches while others may seek higher returns by accepting certain risks [1]

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]

Core Viewpoint - The Financial Regulatory Bureau has introduced the "Management Measures for the Appropriateness of Financial Institution Products," aimed at standardizing the appropriateness management of financial institutions and enhancing consumer protection [1][3]. Group 1: Regulatory Framework - The new measures emphasize the importance of understanding products, customers, and sales channels, ensuring that appropriate products are sold to suitable customers [1][2]. - Financial institutions are required to establish a tiered management system for sales personnel based on their insurance knowledge, compliance records, and sales history, aligning with the product tiering system [2]. Group 2: Consumer Protection - The measures provide special protection for elderly policyholders, mandating that institutions exercise heightened care when selling high-risk products to individuals aged 65 and above [2]. - The implementation of these measures is expected to help consumers better identify product risks and select suitable products based on their needs and risk tolerance [3]. Group 3: Industry Impact - The measures are anticipated to enhance compliance capabilities, improve service quality, and effectively manage risks and disputes within the insurance industry, thereby strengthening its overall competitiveness [3]. - The new regulations will take effect on February 1, 2026, marking a significant step towards high-quality development in the insurance sector [4].

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]

Core Viewpoint - The newly released "Regulations on the Management of Agency Sales Business by Commercial Banks" aims to enhance supervision and promote the healthy development of agency sales business in the banking sector, effective from October 1, 2025 [2][3]. Summary by Sections General Provisions - The regulations consist of eight chapters and 54 articles, detailing the internal management system, cooperation institution management, product admission management, sales management, product duration management, supervision, and supplementary provisions [2][6]. Internal Management System - Commercial banks are required to establish comprehensive management systems, business systems, internal management, and consumer protection mechanisms for agency sales [6]. Cooperation Institution Management - The regulations emphasize the responsibility of commercial banks in managing cooperation institutions, including clear admission review requirements and exit mechanisms [6]. Product Admission Management - Commercial banks must conduct thorough due diligence on products and cooperation institutions, with specific requirements for different types of products [6][9]. Sales Management - The regulations outline 11 prohibited sales behaviors for commercial banks, including unauthorized sales and improper promotion of products [9]. Product Duration Management - Commercial banks have defined obligations during the product's duration, ensuring ongoing compliance and consumer protection [8]. Supervision Management - The regulations establish reporting requirements and supervisory measures for commercial banks engaged in agency sales [8]. Consumer Protection - The regulations reinforce the principle of suitability, particularly for vulnerable groups such as the elderly, requiring banks to adopt more cautious sales processes and clearer communication [9][10].