Core Viewpoint - The article highlights a concerning practice at airports where individuals, posing as staff, sell insurance under misleading circumstances, raising questions about the legitimacy of the sales process and the companies involved [1][5][10]. Group 1: Incident Description - A passenger, identified as Xi Jie, was approached by uniformed individuals at an airport who offered to assist with her ticket purchase and subsequently sold her an aviation accident insurance policy without her consent [1][2]. - The insurance was sold under the pretense of replacing unnecessary services, leading to confusion and a feeling of being misled by the staff [2][3]. - The payment of 120 yuan was made to a company named Jiangxi United Online Technology, which was later found to have questionable insurance sales qualifications [3][5]. Group 2: Company Legitimacy - Jiangxi United Online Technology's information is scarce, and it lacks a clear online presence, raising doubts about its legitimacy as an insurance sales entity [5][9]. - The airport confirmed that the individuals selling insurance were from an outsourced company, not official airport staff, indicating a lack of oversight in the sales process [5][9]. Group 3: Regulatory Concerns - Legal experts express concerns that if Jiangxi United Online Technology lacks the necessary insurance sales qualifications, its actions could be classified as illegal operations [9][11]. - The article emphasizes that insurance sales must comply with strict regulations, including proper identification of sales personnel and clear communication of insurance terms to consumers [11][16]. - The potential for consumer information leakage and future disputes over insurance contracts is highlighted as a significant risk if proper protocols are not followed [16][17]. Group 4: Consumer Experience - Many passengers have reported similar experiences of being misled into purchasing insurance at airports, often under the guise of assistance from staff [14][15]. - The article notes that the sales tactics employed often exploit consumer trust and urgency, leading to hasty decisions without proper understanding of the insurance products [12][13]. Group 5: Recommendations for Compliance - It is recommended that insurance sales at airports should involve clear identification of sales agents, transparent communication of insurance details, and the establishment of dedicated sales counters to avoid confusion with airport staff [15][16]. - Insurance companies are urged to terminate partnerships with unqualified entities and ensure compliance with regulatory standards to protect consumers [16][17].

Group 1 - The Shenzhen Financial Regulatory Bureau has issued a notice indicating that Huicai Insurance Agency (Shenzhen) Co., Ltd. may have its insurance intermediary license revoked due to obstructing legal supervision and inspection [1] - In March 2023, Huicai Insurance Agency was investigated for failing to pay the regulatory fees for 2023 and not reporting the deposit of guarantee funds or purchasing professional liability insurance [1] - The company is required to provide proof of guarantee funds or professional liability insurance for the years 2022 to 2024 by April 10, 2025, or face legal consequences [1] Group 2 - Huicai Insurance Agency was established in 2010 with a registered capital of 50 million RMB and a paid-in capital of 1.5 million RMB, and is a member of Shenzhen Huicai Holding Group [3] - As of July 2023, the company was listed as a dishonest executor due to a case involving 1,649,141.99 RMB, with the case number (2023) Yue 0106 Zhi 16385 [2][3]

Group 1 - A new company, Zhuoguan Technology Co., Ltd., has been established in Hejiang County with a registered capital of 100,000 RMB [1] - The legal representative of the company is Pu Wei [1] - The business scope includes software development, second-hand car brokerage, automobile sales, and sales of automotive accessories, among others [1] Group 2 - The company is also involved in the sales of new energy vehicle accessories and battery sales [1] - It provides services such as car towing, rescue, and clearing services, as well as leasing services [1] - The company is authorized to conduct internet information services and insurance agency business, subject to approval from relevant authorities [1]

Core Viewpoint - The Shenzhen Financial Regulatory Bureau has issued a notice indicating that Huicai Insurance Agency (Shenzhen) Co., Ltd. is facing administrative penalties for obstructing legal supervision and inspection, with plans to revoke its insurance intermediary license [1] Company Summary - Huicai Insurance Agency has been found to refuse or hinder lawful supervision and inspection, leading to potential revocation of its insurance intermediary license under Article 170(2) of the Insurance Law of the People's Republic of China [1] - The company’s 96% equity has undergone multiple rounds of judicial auction, ultimately resulting in a failure to sell [1]

Core Viewpoint - The Shenzhen Financial Regulatory Bureau has issued a notice indicating that Huicai Insurance Agency (Shenzhen) Co., Ltd. is facing administrative penalties for obstructing legal supervision and inspection, with plans to revoke its insurance intermediary license [1] Company Summary - Huicai Insurance Agency has had 96% of its shares go through multiple rounds of judicial auction, ultimately resulting in a failure to sell [1]

| 序号 | 当事人名称 | 行政处罚决定 书文号 | 主要违法违规行为 | 行政处罚内容 | 作出决定材 | | --- | --- | --- | --- | --- | --- | | 1 | 诺承保险代理 有限公司 | 辽金罚决 (2025) 45号 | | 责令改正,警告,罚款8万 元,没收违法所得6905.66 元 | 辽宁金融监 | | | | | 聘任不具有任职资格的人员、 从事保险代理业务超出被代理 | | | | | 于昕(时任诺 承保险代理有 | 辽金罚决 | 保险公司经营区域 | | | | 2 | 限公司股东代 | (2025) 32号 | | 警告,罚款7.5万元 | 辽宁金融监 | | | 表) | | | | | 来源：读创财经 8月7日，国家金融监督管理总局辽宁监管局行政处罚信息公开表显示，因聘任不具有任职资格的人员、从事保险代理业务超出被代理保险公司经营区域，诺 承保险代理有限公司被责令改正、警告，罚款8万元，没收违法所得6905.66元。同时，于昕（时任诺承保险代理有限公司股东代表）被警告并罚款7.5万元。 据公司官网，诺承保险代理有限公司成立于2009年10月，总部位于 ...

凤凰网财经讯 8月6日，据国家金融监管总局官网消息显示，华海沣泰保险代理新疆分公司因利用业务便利为其他机构牟取不正当利益，被罚款20万 元。 | 序 | 当事人名称 | 主要违法违 | 行政处罚内容 | 作出决定机 | | --- | --- | --- | --- | --- | | 号 | | 规行为 | | 关 | | 1 | 华海洋泰保险代 理有限公司新疆 分公司及相关责 | 利用业务便 | 对该公司罚款20万 元，对冯静警告并罚 款4万元 | | | | 任人 | 利为其他机 构牟取不正 | | 新疆令融监 管局 | | | | 当利益 | | | 相关责任人冯静被警告并罚款4万元。 ...

Group 1 - The National Financial Supervision Administration of Liaoning issued administrative penalties against Baotong Insurance Agency Co., Ltd. Liaoning Branch for conducting insurance agency business activities beyond the prescribed operating area [1][4] - Baotong Insurance Agency Co., Ltd. Liaoning Branch was ordered to rectify its operations, received a warning, and was fined 20,000 yuan, with illegal gains of 112,300 yuan confiscated [1][4] - The main responsible person, Wang Peng, was also warned and fined 4,000 yuan for the violations [1][4]

Core Viewpoint - The article discusses the tax deduction regulations for various types of business expenses related to commissions and fees, emphasizing the limits set by tax laws for different industries [5][6][8][9][10][11]. Summary by Sections General Tax Deduction Rules - Businesses can deduct reasonable expenses related to income generation, including costs, fees, taxes, losses, and other expenditures when calculating taxable income [4]. - For commissions and fees related to business operations, the deductible amount is limited to 5% of the income confirmed by service agreements or contracts [5][6]. Industry-Specific Deduction Regulations - **Insurance Companies**: Can deduct fees and commissions up to 18% of the total premium income after deducting refunds [8]. - **Real Estate Companies**: Can deduct sales expenses paid to foreign agencies up to 10% of the sales income [9]. - **Agency Service Companies**: Can deduct actual operating costs, including fees and commissions, incurred to earn income from agency services [10]. - **Telecommunications Companies**: Can deduct fees and commissions related to customer development, limited to 5% of total annual income [11]. - **Other Companies**: Follow the general rule of deducting up to 5% of the income confirmed by service agreements with qualified intermediaries [11].

Investment Rating - The report does not explicitly provide an investment rating for the insurance agency industry Core Insights - The Chinese insurance agency industry is undergoing structural optimization, with a continuous decline in the number of professional insurance agencies, reflecting a trend towards higher quality development and increased market concentration among leading firms [5][8] - The market size of the insurance agency industry has grown from 71.6 billion in 2019 to approximately 79 billion in 2023, with a projected increase to about 86.3 billion by 2029, indicating a CAGR of 2.5% from 2019 to 2023 and 1.5% from 2023 to 2029 [9] - The industry is experiencing a shift from traditional agency models to technology-enabled services, driven by advancements in AI, big data, and blockchain, which are optimizing service processes and enhancing user experience [25] Market Background - The number of professional insurance agencies in China has been declining, with a total of 2,539 agencies by the end of 2024, a decrease of 27 from the previous year and a cumulative reduction of 103 since 2019 [8] - The industry is currently in a phase of "regulatory deepening and high-quality development," characterized by strong regulatory oversight and the exit of inefficient institutions [7] Market Status - The insurance premium income for personal insurance in early 2025 reached approximately 1.3 trillion, an 8% increase compared to the same period in 2023, with life insurance accounting for 80.3% and health insurance for 18.4% [11] - The property insurance sector reported original premium income of 1.7 trillion by 2024, with auto insurance premiums making up 54% of this figure [11] Market Competition - The report identifies ten leading brands in the insurance agency sector, evaluated based on multiple dimensions including insurance business income, net profit, insurance technology capabilities, and the number of cooperative insurance companies [12] - The competitive landscape shows a high concentration of market share among top firms, with 1,671 professional insurance agencies operating in China as of the end of 2024 [13] Development Trends - The industry is witnessing a transformation towards technology empowerment, with leading agencies leveraging AI and blockchain to enhance service delivery and operational efficiency [25] - Regulatory measures have compressed commission margins by approximately 30%, leading to increased challenges for smaller agencies while enabling larger firms to capture greater market share [26]