12月12日金融一线消息，国家金融监督管理总局北京监管局行政处罚信息公开表显示，方胜磐石保险经 纪有限公司及相关责任人员未按规定使用银行账户，对方胜磐石保险经纪有限公司警告并罚款1万元， 对张陆警告并罚款1万元。 方德保险代理有限公司及相关责任人员超出规定的经营区域从事保险代理业务活动，在保险宣传中夸大 表述，对方德保险代理有限公司警告并罚款6万元，对邢耀警告并罚款4万元。 京东保险代理有限公司及相关责任人员未按规定使用银行账户，对京东保险代理有限公司警告并罚款1 万元，对姜维警告并罚款1万元。 责任编辑：曹睿潼 12月12日金融一线消息，国家金融监督管理总局北京监管局行政处罚信息公开表显示，方胜磐石保险经 纪有限公司及相关责任人员未按规定使用银行账户，对方胜磐石保险经纪有限公司警告并罚款1万元， 对张陆警告并罚款1万元。 方德保险代理有限公司及相关责任人员超出规定的经营区域从事保险代理业务活动，在保险宣传中夸大 表述，对方德保险代理有限公司警告并罚款6万元，对邢耀警告并罚款4万元。 京东保险代理有限公司及相关责任人员未按规定使用银行账户，对京东保险代理有限公司警告并罚款1 万元，对姜维警告并罚款1万元。 北 ...

| 序 름 | 当事人 名称 | 行政处罚 決定书文 | 主要违法违规 行为 | 行政处 罚内容 | 作出决 定机关 | | --- | --- | --- | --- | --- | --- | | | | 를 | | | | | 1 | 陕西中 越保险 代理有 限公司 | | | 责令改 正,给 予警告 并处罚 款2.8 | | | | | | 聘任不具有任 | | | | | | 陕金罚决 | 职资格的人 | 力元 | 陕西会 | | | | | 员、未按规定 | | | | | | 字 | 托管注册资 | | 融监管 | | 2 | 刘军毅 | (2025) | 本、未按规定 办理许可证变 更登记 | | 局 | | | (陕西 | 88号 | | | | | | 中越保 | | | 警告并 | | | | 险代理 | | | 处罚款 | | | | 有限公 | | | 1.8万元 | | | | 司法定 | | | | | | | 代表 | | | | | | | 人) | | | | | 北京商报讯（记者 胡永新）12月3日，国家金融监督管理总局陕西监管局发布的行政处罚信息显示，陕西中越保险代理有 ...

| 国家金融监督管理息局 | | | | | | 无障碍浏览 繁 EN ▽ | | --- | --- | --- | --- | --- | --- | --- | | | | | | | | 请输入您要搜索的内容 ... Q | | 在线服务 互动交流 | 合 机构概况 新闻资讯 | 政务信息 | | | | 统计数据 专题专栏 | | | 当前位置： 首页 > 政务信息 > 行政处罚 > 监管分局本级 | | | | | | | 文章类型:原创 | 发布时间:2025-12-01 来源:河北监管局 | | | | | 合打印 6 微博 电微信 4更多 | | 国家金融监督管理总局唐山监管分局行政处罚信息公开表（唐金罚决字〔2025〕2号〕 | | | | | | | | 当事人名 | 序 름 称 | 行政处罚决定 书文号 | 主要违法违规行为 | 行政处罚 内容 | 作出决定 机关 | | | 警告并罚 | 河北唐联 1 保険代理 有限公司 | | 未按规定建立或者管 理业务档室 | 款0.5万 元 | | | | 任 | 宋晓艳 (时任河 北唐联保 2 险代理有 限公司 | 唐金罚决字 〔2025〕 ...

| 序 | 当事人名 | 行政处罚决定 | 主要违法违规行为 | 行政处罚 | 作出决定 | | --- | --- | --- | --- | --- | --- | | 름 | 称 | 书文号 | | 内容 | 机关 | | 1 | 星恒保险 | | | 警告并罚 款3万元 | | | | 代理有限 | 佳金监罚决字 | | | | | | 盖任公司 | (2025) 16 | | | | | | 黑龙江分 | 号 | | | | | | 公司 | | | | | | | 尹文海 | | 未履行报告程序擅自 | | 佳木斯金 | | | (时任星 | | 设立分支机构 | | 融监管分 | | | 恒保险代 | 佳金监罚决字 | | | 局 | | | 理有限责 | | | 警告并罚 | | | 2 | | 〔2025〕 17 | | | | | | 任公司黑 | 를 | | 款1万元 | | | | 龙江分公 | | | | | | | 司主要负 | | | | | | | 责人) | | | | | 北京商报讯（记者 李秀梅）12月1日，国家金融监督管理总局黑龙江监管局发布行政处罚信息显示，星恒保险代 ...

| 序 | 当事人名称 | 行政处罚 决定书文 | 主要违法违规行为 | 行政处罚 | 作出决定 | | --- | --- | --- | --- | --- | --- | | 를 | | 를 | | 内容 | 机关 | | 1 | 名阳保险销 售有限责任 公司河北分 公司 | 承金罚决 字 | 一、业务数据不真 实、编制虚假报表; 二、委托未通过本机 构进行执业登记的个 人从事保险代理业 务。 | 警告并罚 款16万 元 | 承德全融 监管分局 | | | 刘连帅(时 | [2025] 6 | | | | | 2 | 任名阻保险 销售有限责 任公司承德 | 를 | 对上述违法违规行为 负有责任 | 警告并罚 款4万元 | 承得金融 监管分局 | | | 分公司负责 | | | | | | | N | | | | 图片来源:国家金融监督管理总局河北监管局 | 北京商报讯（记者 李秀梅）12月1日，国家金融监督管理总局河北监管局发布行政处罚信息显示，名阳保险销售有限责任公司河北分公司，因 业务数据不真实、编制虚假报表，委托未通过本机构进行执业登记的个人从事保险代理业务，被警告并罚款16万元。时任名阳保险销售 ...

云南金融监管局对年安保险销售服务有限公司警告并处罚款51万元，对年安保险销售服务有限公司云南省分公司责令在昆明五华区、盘龙区停止接受车险 新业务3个月；对吕瑾、王丽琼、李艳丰警告并罚款合计12万元，对周世秀撤销任职资格。 年安保险销售服务有限公司是2006年1月经批准成立的全国性保险代理机构，法定代表人为吕瑾。公司在全国范围内设有分支机构，经营范围涵盖保险产 品代理销售、保险费代收、保险理赔勘查等业务。 | 序 | 当事人 | 主要起法违 | 行政处罚内容 | 作出决 | | --- | --- | --- | --- | --- | | 를 | 名称 | 规行为 | | 定机关 | | 1 | 年安保险销售 | 编制虚假财 | 对年安保险销售服务有限公 年安保险销售服务有限公司 云南省分公司责令在昆明五 | | | | | | 司警告并处罚款51万元,对 | | | | | 务资料、向 | | | | | | 未进行执业 | | 電影圖 | | | 服务有限公司 | | 华区、盘龙区停止接受车险 | | | | | 登记的业务 | | 监管局 | | | 及相关责任人 | | 新业务3个月;对吕瑾、王丽 | ...

Core Insights - China Post Group has received approval to operate insurance agency business, marking its entry into the insurance intermediary market amidst a significant industry restructuring [2][3] - The approval allows China Post to offer a wide range of insurance products, including 15 categories covering both property and life insurance, indicating a strategic shift towards enhancing financial services in rural areas [2][3] Industry Context - The insurance intermediary market has undergone a deep cleansing, with over 20 professional intermediary institutions being deregistered in 2024 alone, and the number of deregistrations in the first ten months of 2025 matching the total for the previous year [3] - In Jilin province, 62 insurance intermediary institutions were deregistered by June 2025, reflecting a more than 10% decline in total institutions since the beginning of the year [3] Strategic Implications - The entry of China Post is seen as a move to optimize the industry structure by introducing a state-owned entity with a robust network and credibility, which could accelerate the elimination of inefficient intermediaries and enhance service standards [3][4] - China Post's extensive network of 64,000 end points provides a unique advantage in reaching underserved areas, potentially transforming the insurance landscape by extending coverage to rural regions [4] Internal Coordination Challenges - The integration of China Post's existing insurance-related entities, such as China Post Life and Postal Savings Bank, poses a challenge in avoiding internal competition and ensuring collaboration [5] - Clear delineation of business boundaries and responsibilities is essential to prevent conflicts of interest and optimize resource utilization across different insurance services [5] Regulatory Expectations - The regulatory body has set high standards for China Post's insurance agency operations, emphasizing compliance with laws and regulations, and the establishment of a firewall to protect consumer rights [6][7] - The focus on consumer protection and prevention of sales misguidance reflects the regulatory intent to maintain high operational standards within the industry [6] Market Impact - The entry of China Post may lead to significant shifts in the market, with regional intermediaries facing pressure as China Post leverages its brand trust and extensive network to capture market share in standardized insurance products [6] - The potential for a digital and offline combined agency model could attract a new wave of agents, challenging traditional sales strategies [6] Risk Management Strategies - Emphasis on compliance training and product knowledge for sales personnel is critical to mitigate risks of consumer misguidance [7] - Establishing a rapid response mechanism for customer disputes and an independent complaint handling system is essential to maintain brand integrity and consumer trust [8]

Core Insights - China Post Group has re-entered the insurance intermediary market by obtaining approval from the National Financial Regulatory Administration to operate insurance agency business, covering common property and personal insurance types [1][6] - The move comes amid a significant reduction in the number of insurance intermediaries, with China Post leveraging its extensive network of over 50,000 outlets to fill market gaps and tap into underdeveloped markets [1][7] - The reactivation of insurance agency operations is seen as a strategic response to the ongoing reshaping of the insurance intermediary sector, aiming to enhance competitive advantages in rural and county areas [1][7] Summary by Sections Insurance Agency License - China Post has received approval to operate as an insurance agent, marking its return to the insurance intermediary market after a two-year hiatus [1] - The approval follows similar licenses granted to other companies, indicating a potential shift in the regulatory landscape [1] Market Context - The insurance intermediary market has faced intense competition, leading to a significant decrease in the number of intermediaries [7] - China Post previously divested its insurance intermediary stakes, but is now re-entering the market to capitalize on the current reshaping of the industry [6][7] Financial Performance - In the first half of 2025, Postal Savings Bank reported commission expenses of 4.15 billion yuan to China Post, reflecting a year-on-year increase of 7.82% [3] - However, the commission received by China Post from Postal Savings Bank has decreased by over 60% compared to the same period in 2023 [3] Strategic Implications - Analysts suggest that China Post's re-entry into the insurance agency business is driven by compliance needs, resource integration, and strategic positioning to capture market opportunities during a period of industry consolidation [7] - The extensive network of China Post is expected to provide a competitive edge in reaching underserved markets, aligning with national financial inclusion goals [7][8] Network Advantage - As of the end of 2024, China Post operates 54,500 outlets, significantly outnumbering other major banks, which positions it favorably in the insurance market [8]

Core Viewpoint - China Post has applied to the Financial Regulatory Administration to restore its insurance agency qualifications, addressing compliance issues while maintaining its existing business logic and operational model [1][3]. Group 1: Business Operations - China Post operates a vast network of service points across urban and rural areas, providing services such as parcel delivery, money transfers, savings, and various financial products [2]. - The range of insurance products that China Post can now offer includes vehicle insurance, property insurance, agricultural insurance, life insurance, and health insurance, among others [2]. - China Post is the largest insurance agency in China, with total assets exceeding 680 billion yuan, ranking among the top ten insurance companies in the country [2]. Group 2: Historical Context - Prior to obtaining its own insurance agency license, China Post utilized the qualifications of Postal Savings Bank for its insurance agency operations [3][5]. - The establishment of Postal Savings Bank in 2007 marked a significant reform in the postal savings management system, leading to its eventual public listings in 2016 and 2019 [4]. - To avoid internal competition, China Post had previously committed to not engaging in insurance agency business after the establishment of Postal Savings Bank, leading to the cancellation of several agency licenses [4]. Group 3: Regulatory Changes - The implementation of new regulations in 2021 restricted the practice of sub-agency, prompting China Post to seek its own insurance agency license [5]. - As of now, China Post operates approximately 54,000 service points, with over 32,000 of these offering financial services, significantly contributing to Postal Savings Bank's revenue [6].

Core Viewpoint - The approval of China Post Group to operate insurance agency business is significant for compliance and regulatory alignment, despite its existing involvement in insurance activities [1][2]. Group 1: Approval and Regulatory Context - The Financial Regulatory Administration has granted China Post Group the qualification to operate insurance agency business, covering various types of insurance including vehicle, property, and life insurance [1]. - China Post has been a major player in the insurance agency sector, often referred to as part of the "bank-post channel," and has historically been an exception during regulatory tightening periods [1][2]. Group 2: Implications of the New License - The new application for the insurance intermediary license aims to eliminate risks associated with sub-delegated agency practices, enhancing the compliance of China Post's insurance operations [2]. - The approval is seen as a move to ensure that existing postal agency operations are more compliant with regulations, although it does not materially change the scale of its current insurance business [2]. Group 3: Regulatory Requirements - China Post Group is required to strictly adhere to insurance agency laws and regulations, and to accept oversight from the Financial Regulatory Administration and its branches [3]. - The company must enhance its management capabilities in insurance agency operations and establish safeguards to protect consumer rights [3].