Core Viewpoint - The banking sector's insurance sales have been plagued by compliance issues, leading to increased regulatory scrutiny and penalties, with a new management approach set to take effect in October 2025 aimed at improving compliance and consumer protection [1][2][3]. Group 1: Regulatory Environment - Regulatory bodies have issued over 50 fines for sales misconduct and more than 40 fines for personnel management violations from 2022 to the first quarter of 2025, highlighting the prevalence of misleading sales practices [2][3]. - The new "Commercial Banks Agency Sales Business Management Measures" will be implemented on October 1, 2025, mandating banks to enhance the management of sales personnel and improve internal controls [1][3]. Group 2: Common Issues in Insurance Sales - Key issues identified in bank insurance sales include misleading sales practices, unauthorized personnel selling insurance, and hidden bundling of insurance with other financial products [2][3]. - The practice of allowing non-bank personnel to sell insurance at bank branches and the lack of clear distinction between proprietary and agency products have contributed to consumer confusion [2][3]. Group 3: Proposed Solutions and Compliance Measures - The new regulations will enforce stricter controls on sales behavior, risk management, and the qualification of sales personnel, including mandatory training and recording of sales processes [3][4]. - Banks are encouraged to shift their assessment metrics from revenue-focused to a balanced approach that includes compliance and customer satisfaction [4]. Group 4: Consumer Awareness and Protection - Consumers are advised to thoroughly read contract terms, inquire about product details, and be cautious of high-yield promises, while retaining evidence of the sales process [5]. - Experts recommend that consumers utilize official channels for complaints and seek to understand the nature of the products they are purchasing to avoid falling victim to misleading sales tactics [5].

8月1日，金融监管总局赣州监管局披露的行政处罚信息显示，因代销保险不规范的违规行为，中国 邮政集团江西省瑞金市分公司被监管处罚30万元，相关责任人也被给予警告并罚款6万元。这一处罚将 银行代销保险的乱象再度曝光在聚光灯下。事实上，银行代销保险乱象由来已久，尽管监管部门持续整 治，却依旧屡禁不止，背后的原因值得深入探究。 银行代销保险乱象屡禁不止，严重损害了消费者的权益，破坏了金融市场秩序。要彻底整治这一乱 象，需多方共同努力。 一直以来，银行代表着安全、可靠与专业，民众基于对银行的高度信任，放心地将积蓄存入银行， 而银行利用自身在民众心中的这种信任优势，开展保险代销业务，本应是拓展金融服务边界、为民众提 供更多元金融产品的有益尝试。 一方面，监管部门应进一步加大处罚力度，提高违法成本，让违规者付出沉重代价；加强穿透式监 管，利用大数据等技术手段，实时追踪资金流向，斩断银行与保险公司之间的利益输送链条。另一方 面，针对中老年人等易受侵害群体，加强金融知识普及和风险提示。与此同时，银行和保险机构要加强 自律，树立正确的经营理念，将客户利益放在首位，规范销售行为，加强员工培训和管理，建立严格的 产品准入机制。消费者 ...

一直以来，银行代销保险市场乱象频出。在今年 "3·15" 国际消费者权益日期间，媒体的调查报道将湖 北武汉部分银行在代销保险过程中的问题公之于众。银行网点违规允许保险公司销售人员进驻，这些人 员利用储户对银行的信任，以银行工作人员身份推销保险产品，误导销售行为屡见不鲜。在销售过程 中，夸大保险收益，隐瞒保险条款中的不利信息，严重损害了储户的知情权与自主选择权。更令人担忧 的是，部分银行毫无底线地泄露储户个人信息，将储户姓名、联系方式乃至存款情况提供给保险公司， 使储户的隐私和财产安全面临巨大风险。 近日，金融监管总局发布《商业银行代理销售业务管理办法》（以下简称《办法》）。从内容来看， 《办法》的核心目标在于强化对商业银行代理销售业务的监管，推动业务稳健、有序发展，尤其是对长 期饱受诟病的银行代销保险产品领域，具有深远且积极的规范意义。 近年来，银行代销保险业务快速发展，代销产品数量和类型日益丰富。对于保险公司而言，银行渠道也 是保费的重要来源。在激烈的市场竞争下，银行员工销售保险，除了获得正常销售佣金外，还能拿到价 格不菲的回扣，似乎成为"潜规则"。 在合作机构管理方面，《办法》从合作机构的准入门槛、退出机 ...