【中英文对照版】保险销售行为管理办法.docx

保险销售行为管理办法（2023年9月20日国家金融 监督管理总局令2023年第2 号公布自2024年3月1日 起施行）第一章总则第一条为保护投保人、被保 险人、受益人的合法权益，规 范保险销售行为，统一保险销 售行为监管要求，根据中华 人民共和国保险法国务院 办公厅关于加强金融消费者权 益保护工作的指导意见等法 律、行政法规和文件，制定本保险销售行为管理办法MeasuresfortheAdministrationofInsuranceSalesActivities制定机关：国家金融监督管理总局发文字号：国家金融监督管理总局令2023年第2号公布日期：2023.09.20施行日期：2024.03.01效力位阶：部门规章法规类别：保险综合规定IssuingAuthority：NationalAdministrationOfFinancialRegulationDocumentNumber：OrderNo.22023oftheNationalAdministrationofFinancialRegulationDateIssued：09-20-2023EffectiveDate：03-01-20241.evelofAuthority：DepartmentalRulesAreaofLaw:GeneralProvisionsonInsuranceMeasuresfortheAdministrationofInsuranceSalesActivities(IssuedbyOrderNo.22023oftheNationalAdministrationofFinancialRegulationonSeptember20,2023andcomingintoforceonMarch1,2024)ChapterIGeneralProvisionsArticle1TheseMeasuresaredevelopedinaccordancewiththeInsuranceLawofthePeople'sRepublicofChina,theGuidingOpinionsoftheGeneralOfficeoftheStateCouncilonStrengtheningtheProtectionofFinancialConsumers*RightsandInterests,andotherapplicablelaws,administrativeregulations,anddocumentstoprotectthelawfulrightsandinterestsofinsuranceapplicants,theinsured,andthebeneficiaries,regulateinsurancesalesactivities,力、法。andunifyregulatoryrequirementsforinsurancesalesactivities.Article2SalesactivitiesconductedbyinsurancecompaniesforthepurposeofconcludinginsurancecontractsandsalesactivitiesconductedbyinsuranceintermediariesandinsurancesalespersonsforthepurposeofconcludinginsurancecontractsasentrustedbyorincooperationwithinsurancecompaniesshallbesubjecttotheseMeasures.ForthepurposesoftheseMeasures,“insuranceCompaniesndonotincludereinsurancecompanies.ForthepurposesoftheseMeasures,“insuranceintermediariesincludeinsuranceagenciesandinsurancebrokers.Insuranceagenciesincludespecializedinsuranceagenciesandsidelineinsuranceagencies.ForthepurposesoftheseMeasures,“insurancesalespersons"includetheemployeesofinsurancecompanieswhoengageininsurancesales,personalinsuranceagents,andpersonnelofotheremploymentformsincludedinthemanagementofsalespersons,personnelofinsuranceagencieswhoengageintheinsuranceagencybusiness,andpersonnelofinsurancebrokerswhoengageintheinsurancebrokeragebusiness.Article3Otherinstitutionsandindividualsshallnotengageininsurancesalesactivities,exceptforthefollowinginstitutionsandpersonnel:第二条保险公司为订立保险 合同所开展的销售行为，保险 中介机构、保险销售人员受保 险公司委托或者与保险公司合 作为订立保险合同所开展的销 售行为，应当遵守本办法的规 定。本办法所称保险公司不包括再 保险公司。本办法所称保险中介机构包 括：保险代理机构和保险经纪 人。保险代理机构包括专业代 理机构和兼业代理机构。本办法所称保险销售人员包 括：保险公司中从事保险销售 的员工、个人保险代理人及纳 入销售人员管理的其他用工形 式的人员，保险代理机构中从 事保险代理的人员，保险经纪 人中从事保险经纪业务的人 员。第三条除下列机构和人员 外，其他机构和个人不得从事 保险销售行为：（一）保险公司和保险中介机 构；(1) Insurancecompaniesandinsuranceintermediaries.(2) Insurancesalespersons.Aninsurancecompanyorinsuranceintermediaryshallhandlepracticingregistrationforinsurancesalespersonsaffiliatedtoit.Article4Insurancesalesactivitiesshallfollowtheprinciplesofcompliancewithlawsandregulations,equalityandvoluntariness,fairnessandappropriateness,honestyandgoodfaith,andrespectandprotectthelawfulrightsandinterestsofinsuranceapplicants,theinsured,andthebeneficiaries.Article5ForthepurposesoftheseMeasures,'Insurancesalesactivitiesincludeactivitiesbeforeinsurancesales,activitiesduringinsurancesales,andactivitiesafterinsurancesales.''Activitiesbeforeinsurancesalesnmeansthataninsurancecompanyandaninsuranceintermediaryentrustedbyorcooperatingwiththeinsurancecompanyandinsurancesalespersonscreatetheenvironmentandprepareconditionsfortheconclusionofaninsurancecontract,andsolicittheoppositepartytotheinsurancecontract."Activitiesduringinsurancesalesmeansthataninsurancecompanyandaninsuranceintermediaryentrustedbyorcooperatingwiththeinsurancecompanyandinsurancesalespersonscommunicateandnegotiatewithaspecificoppositepartyonthecontentoftheinsurancecontracttobesigned,andmakeoffersorundertakings.（二）保险销售人员。保险公司、保险中介机构应当 为其所属的保险销售人员办理 执业登记。第四条 保险销售行为应当遵 循依法合规、平等自愿、公平 适当、诚实守信等原则，尊重 和保障投保人、被保险人、受 益人的合法权益。第五条本办法所称保险销售行为包括保险销售前行为、保险销售中行为和保险销售后行 为。保险销售前行为是指保险公司 及受其委托或者与其合作的保 险中介机构、保险销售人员为 订立保险合同创造环境、准备 条件、招揽保险合同相对人的 行为。保险销售中行为是指保险公司 及受其委托或者与其合作的保 险中介机构、保险销售人员与 特定相对人为订立保险合同就 合同内容进行沟通、商谈，作 出要约或承诺的行为。保险销售后行为是指保险公司uActivitiesafterinsurancesalesmeansthataninsurancecompanyandaninsuranceintermediaryentrustedbyorcooperatingwiththeinsurancecompanyandinsurancesalespersonsfulfiltheaccompanyingobligationsarisingfromtheconclusionofaninsurancecontractsuchasdeliveringinsurancepolicies,makingreturnvisits,andprovidingnotificationsofinformationinaccordancewiththeapplicablelaws,regulations,andregulatoryrules.Article6Aninsurancecompanyorinsuranceintermediaryshallintroduceinsuranceknowledgeandgiveinsuranceconsumptionriskwarningstothepubliconaperiodicalbasisinappropriatemethodsandeasy-to-understandlanguage,andfocusonexplainingprofessionaltermsininsuranceclauses,concentratedquestions,actsthatarelikelytocausedisputes,variousrisksininsuranceconsumption,andothercontents.Article7Aninsurancecompanyorinsuranceintermediaryshallcollectandprocessthepersonalinformationofinsuranceapplicants,theinsured,thebeneficiaries,andthepartiesrelatedtoinsurancebusinessactivitiesundertheprinciplesoflegality,impartiality,necessity,andgoodfaith,properlykeeptheinformationandpreventinformationleakage.Withouttheconsentoftheindividual,noinsurancecompany,insuranceintermediary,orinsurancesalespersonmayprovidetheindividual'sinformationtoothers,exceptasotherwiseprovidedforbyanylaw,regulation,orruleandnecessaryforcarryingouttheinsurancebusiness.及受其委托或者与其合作的保 险中介机构、保险销售人员履 行依照法律法规和监管制度规 定的以及基于保险合同订立而 产生的保单送达、回访、信息 通知等附随义务的行为。第六条保险公司、保险中介 机构应当以适当方式、通俗易 懂的语言定期向公众介绍保险 知识、发布保险消费风险提 示，重点讲解保险条款中的专 业性词语、集中性疑问、容易 引发争议纠纷的行为以及保险 消费中的各类风险等内容。第七条保险公司、保险中介 机构应当按照合法、正当、必 要、诚信的原则收集处理投保 人、被保险人、受益人以及保 险业务活动相关当事人的个人 信息，并妥善保管，防止信息 泄露；未经该个人同意，保险 公司、保险中介机构、保险销 售人员不得向他人提供该个人 的信息，法律法规规章另有规 定以及开展保险业务所必需的 除外。保险公司、保险中介机构应当 加强对与其合作的其他机构收 集处理投保人、被保险人、受 益人以及保险业务活动相关当 事人个人信息的行为管控，在Aninsurancecompanyorinsuranceintermediaryshallstrengthenthemanagementandcontrolofthecollectionandprocessingofpersonalinformationofinsuranceapplicants,theinsured,thebeneficiaries,andtherelevantpartiesofinsurancebusinessactivitiesbyotherinstitutionsthatcooperatewithit,specifytherequirementsforinformationcollectionandprocessingbyotherinstitutionsinthecooperationagreementofbothparties,regularlyobtaininformationonotherinstitutions'implementationoftherequirementsoftheagreement,andifitfindsanyviolationoftherequirementsoftheagreementcommittedbyanyotherinstitution,promptlytakemeasurestostopandurgecorrection,andholdtheinstitutionliableinaccordancewiththelaw.Article 8 An intermediary responsibilities and improveinsurancecompanyorinsuranceshallperformitsprimaryforsalesmanagement,establishvariousmanagementrulesforinsurancesales,strengthenthemanagementoftheidentitiesofinsurancesalespersonswithwhomithasaprincipal-agentrelationshipandtheveracityofinsurancesales,regularlycheckandassesstheeffectivenessandimplementationoftherules.Itshallspecifythesalesmanagementresponsibilitiesofbodiesatalllevelsandtheirofficers,establishthemechanismfortheimplementationofsalesrules,salesmanagementandcontrol,andinternalaccountability,andshallnotconducttheinsurancesalesbusinessinviolationofanylaworregulation,orseekimproperbenefitsforanyotherinstitutionorindividualbytakingadvantageofinsurancesales.双方合作协议中明确其他机构 的信息收集处理行为要求，定 期了解其他机构执行协议要求 情况，发现其他机构存在违反 协议要求情形时，应当及时采 取措施予以制止和督促纠正， 并依法追究该机构责任。第八条保险公司、保险中介 机构应当履行销售管理主体责 任，建立健全保险销售各项管 理制度，加强对与其有委托代 理关系的保险销售人员身份和 保险销售业务真实性管理，定 期自查、评估制度有效性和落 实情况；应当明确各级机构及 其高级管理人员销售管理责 任，建立销售制度执行、销售 管控和内部责任追究机制，不 得违法违规开展保险销售业 务，不得利用开展保险销售业 务为其他机构或者个人牟取不 正当利益。第九条具有保险销售业务合 作关系的保险公司、保险中介 机构应当在相关协议中确定合 作范围，明确双方的权利义 务。保险公司与保险中介机构 的保险销售业务合作关系应当 真实，不得通过虚假合作套取 费用。Article9Aninsurancecompanyandinsuranceintermediarywithcooperationrelationsininsurancesalesshallspecifythescopeofcooperationintherelevantagreementandspecifytherightsandobligationsofbothparties.Theinsurancesalesbusinesscooperationrelationsbetweentheinsurancecompanyandinsuranceintermediaryshallbetrueandnofeesmaybecollectedthroughfalsecooperation.Aninsuranceintermediaryshall,inaccordancewiththerelevantlawsandregulationsandthebusinesscooperationagreementbetweenbothparties,andtotheextentofbeingnecessaryforcarryingouttherelevantbusiness,providetheinsurancecompanywithwhichithascooperationrelationsininsurancesalestheinformationontheinsuranceitsellsandtheinformationontheinsuranceapplicants,theinsured,andthebeneficiariesinatruthful,complete,andtimelymanner,inordertofacilitatetheconclusionofinsurancecontractsbytheinsurancecompanyandinsuranceapplicants.Aninsurancecompanyshallsupportaninsuranceintermediarywithwhichithascooperationrelationsininsurancesalestoprovideprofessionalservicestoinsuranceapplicants,andinaccordancewiththeprovisionsofrelevantlawsandregulationsandthebusinesscooperationagreementbetweenbothparties,andtotheextentofbeingnecessaryfortherelevantbusiness,providetheinsuranceintermediarywiththeinformationonthedurationmanagementofinsurancepoliciesrelatedtotheinsurancebusinessinatruthful,complete,andtimelymanner,soastofacilitatetheinsuranceintermediary,sprovisionoffollow-upservicestoinsuranceapplicants.保险中介机构应当依照相关法 律法规规定及双方业务合作约 定，并以相关业务开展所必需 为限，将所销售的保险业务相 关信息以及投保人、被保险 人、受益人信息如实完整及时 地提供给与其具有保险销售业 务合作关系的保险公司，以利 于保险公司与投保人订立保险 合同。保险公司应当支持与其具有保 险销售业务合作关系的保险中 介机构为投保人提供专业服 务，依照相关法律法规规定及 双方业务合作约定，并以相关 业务开展所必需为限，将该保 险中介机构所销售的保险业务 相关保单存续期管理信息如实 完整及时地提供给该保险中介 机构，以利于该保险中介机构 为投保人提供后续服务。保险公司应当加强对与其具有 保险销售业务合作关系的保险 中介机构保险销售行为合规性 监督，定期了解该保险中介机 构在合作范围内的保险销售行 为合规情况，发现该保险中介 机构在从事保险销售中存在违 反法律法规及合作协议要求情 形时，应当及时采取措施予以 制止和督促纠正，并依法追究 该保险中介机构责任QAninsurancecompanyshallstrengthenthecompliancesupervisionofinsurancesalesactivitiesofinsuranceintermediarieswithwhichithascooperationrelationsininsurancesales,andregularlyobtainthecomplianceinformationofinsurancesalesactivitiesoftheinsuranceintermediarywithinthescopeofcooperation.Ifitfindsthattheinsuranceintermediaryviolatesanylaw,regulation,ortherequirementsofthecooperationagreementininsurancesales,itshallpromptlytakemeasurestostoptheviolationandurgeittotakecorrectiveaction,andholdtheinsuranceintermediaryliableinaccordancewiththelaw.Aninsurancecompanyandinsuranceintermediarywithcooperationrelationsininsurancesalesshallachievetheinterconnectionandelectronicdatainterchangeofbusinessinformationsystemsofbothpartiesthroughtechnicalmeans.Article10TheNationalAdministrationofFinancialRegulation(hereinafterreferredtoastheuNAFR)shallsuperviseandadministerinsurancesalesactivitiesinaccordancewiththeInsuranceLawofthePeople'sRepublicofChina.ThelocalofficesoftheNAFRshallperformthedutiesofthesupervisionandadministrationofinsurancesalesactivitiesaccordingtotheauthorization.具有保险销售业务合作关系的 保险公司、保险中介机构应当 通过技术手段，实现双方业务 信息系统的互联互通、数据对 接。第十条国家金融监督管理总 局（以下简称金融监管总局） 依据中华人民共和国保险 法，对保险销售行为履行监 督管理职责。金融监管总局派出机构依据授 权对保险销售行为履行监督管 理职责。保险销售前行为管理ChapterIlManagementofActivitiesBefore第一章InsuranceSalesArticle11Aninsurancecompanyorinsuranceintermediaryshallnotengageininsurancesalesactivitiesbeyondthebusinessscopeandregionalscopeprescribedbylaws,regulations,andregulatoryrules,andapprovedandconfirmedbyregulators.Aninsurancesalespersonshallnotengageininsurancesalesactivitiesbeyondthescopeauthorizedbytheinstitutiontowhichheorshebelongs.第十一条保险公司、保险中 介机构不得超出法律法规和监 管制度规定以及监管机构批准 核准的业务范围和区域范围从 事保险销售行为。保险销售人 员不得超出所属机构的授权范 围从事保险销售行为。第十二条保险公司、保险中 介机构开展保险销售行为，应 当具备相应的业务、财务、人 员等信息管理系统和核心业务 系统，确保系统数据准确、完Article12Aninsurancecompanyorinsuranceintermediarycarryingoutinsurancesalesactivitiesshallhavecorrespondinginformationmanagementsystemsandcorebusinesssystemsforbusiness,financialaffairs,andpersonnel,amongothers,andensurethatthesystemdataisaccurate,complete,andupdatedinatimelymanner,andisconsistentwiththedatatobeenteredintovariousregulatoryinformationsystemsasrequiredbyregulators.Article13Aninsurancecompanyshalldeterminetheclausesofaninsurancecontractinaccordancewiththeapplicablelawsandregulations,shallnotviolatelawsandregulationsandregulatoryrules,andshallensurethefairnessandreasonablenessofrightsandobligationsofbothpartiestotheinsurancecontract;shalldeterminetheclausesoftheinsurancecontractundertheprinciplesofbeingcompleteinelements,clearinstructure,accurateinwording,preciseinexpression,andeasytounderstand,andpromotethestandardizationofcontracttexts.Theprofessionaltermsandterminologiesusedininsurancecontractsandrelateddocumentsshallconformtonationalstandards,industrystandards,orgeneralstandardsintermsoftheirmeanings.Article14Aninsurancecompanyshall,undertheprinciplesofveracity,accuracy,andcompleteness,publicizeinformationontheclausesonitsexistinginsuranceproductsanddescriptionsofsuchinsuranceproductsonitsofficialwebsite,officialAPP5andotherofficialonlineplatforms.Thedescriptionofaninsuranceproductshallfocusonsuchcontentasthenameofapprovalorrecordationoftheclausesadoptedfortheproduct,thecoverageofinsurance,insuranceterm,clausesontheexemptionorreductionoftheinsurer'sliability,andexpectedbenefitsoftheinsurancepolicy.整、更新及时，并与监管机构 要求录入各类监管信息系统中 的数据信息保持一致。第十三条保险公司应当依法 依规制订保险合同条款，不得 违反法律法规和监管制度规 定，确保保险合同双方权利义 务公平合理；按照要素完整、 结构清晰、文字准确、表述严 谨、通俗易懂等原则制订保险 合同条款，推进合同文本标准 化。保险合同及相关文件中使用的 专业名词术语，其含义应当符 合国家标准、行业标准或者通 用标准。第十四条保险公司应当按照 真实、准确、完整的原则，在 其官方网站、官方APP等官方 线上平台公示本公司现有保险 产品条款信息和该保险产品说 明。保险产品说明应当重点突 出该产品所使用条款的审批或 者备案名称、保障范围、保险 期间、免除或者减轻保险人责 任条款以及保单预期利益等内 容。保险产品条款发生变更的，保 险公司应当于变更条款正式实Incaseofanymodificationoftheclausesofaninsuranceproduct,theinsurancecompanyshallupdatetheinformationontheclausesofandadescriptionofsuchaninsuranceproductreleasedtothepublicbeforethemodifiedclausesofficiallycomeintoforce.Ifaninsurancecompanydecidestoceasetheuseofclausesonaninsuranceproduct,exceptasotherwiseprescribedbyanylaw,regulation,orregulatoryrule,itshallmakeanannouncementthereononaprominentpositionofitsofficialonlineplatformandatitsbusinesspremises,indicatethecommencementdateofthecessationofuseonaprominentpositionofthepublishedinformationoftheclausesontheinsuranceproductandthedescriptionoftheinsuranceproduct,andthecommencementdateshallnotbeearlierthanthedateoftheannouncement.Article15Aninsurancecompanyshallestablishinsuranceproductgradingmanagementrulesandclassifyandgradeitsinsuranceproductsaccordingtostandardssuchasthedegreeofcomplexityofproducts,theburdenofinsurancepremiums,andtherisklevelofpolicybenefits.施前更新所对外公示的该保险 产品条款信息和该保险产品说 明。保险公司决定停止使用保险产 品条款的，除法律法规及监管 制度另有规定的外，应当在官 方线上平台显著位置和营业场 所公告，并在公示的该保险产 品条款信息和该保险产品说明 的显著位置标明停止使用的起 始日期，该起始日期不得早于 公告日期。第十五条保险公司应当建立 保险产品分级管理制度，根据 产品的复杂程度、保险费负担 水平以及保单利益的风险高低 等标准，对本机构的保险产品 进行分类分级。第十六条保险公司、保险中 介机构应当支持行业自律组织 发挥优势推动保险销售人员销 售能力分级工作，在行业自律 组织制定的销售能力分级框架 下，结合自身实际情况建立本 机构保险销售能力资质分级管 理体系，以保险销售人员的专 业知识、销售能力、诚信水 平、品行状况等为主要标准， 对所属保险销售人员进行分 级，并与保险公司保险产品分 级管理制度相衔接，区分销售Article16Aninsurancecompanyorinsuranceintermediaryshallsupportindustryself-regulatoryorganizationsinmaximizingtheiradvantagestopromotethegradingofsalescapacityofinsurancesalespersons,andunderthesalescapacitygradingframeworkdevelopedbyindustryself-regulatoryorganizations,establishagradingmanagementsystemforinsurancesalescapacityandqualificationsofinsurancesalespersonsinl