【中英文对照版】保险销售行为管理办法.docx
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1、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
2、.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:GeneralProvisionsonInsuranceMeasuresfortheAdministr
3、ationofInsuranceSalesActivities(IssuedbyOrderNo.22023oftheNationalAdministrationofFinancialRegulationonSeptember20,2023andcomingintoforceonMarch1,2024)ChapterIGeneralProvisionsArticle1TheseMeasuresaredevelopedinaccordancewiththeInsuranceLawofthePeoplesRepublicofChina,theGuidingOpinionsoftheGeneralOf
4、ficeoftheStateCouncilonStrengtheningtheProtectionofFinancialConsumers*RightsandInterests,andotherapplicablelaws,administrativeregulations,anddocumentstoprotectthelawfulrightsandinterestsofinsuranceapplicants,theinsured,andthebeneficiaries,regulateinsurancesalesactivities,力、法。andunifyregulatoryrequir
5、ementsforinsurancesalesactivities.Article2Salesactivitiesconductedbyinsurancecompaniesforthepurposeofconcludinginsurancecontractsandsalesactivitiesconductedbyinsuranceintermediariesandinsurancesalespersonsforthepurposeofconcludinginsurancecontractsasentrustedbyorincooperationwithinsurancecompaniessh
6、allbesubjecttotheseMeasures.ForthepurposesoftheseMeasures,“insuranceCompaniesndonotincludereinsurancecompanies.ForthepurposesoftheseMeasures,“insuranceintermediariesincludeinsuranceagenciesandinsurancebrokers.Insuranceagenciesincludespecializedinsuranceagenciesandsidelineinsuranceagencies.Forthepurp
7、osesoftheseMeasures,“insurancesalespersonsincludetheemployeesofinsurancecompanieswhoengageininsurancesales,personalinsuranceagents,andpersonnelofotheremploymentformsincludedinthemanagementofsalespersons,personnelofinsuranceagencieswhoengageintheinsuranceagencybusiness,andpersonnelofinsurancebrokersw
8、hoengageintheinsurancebrokeragebusiness.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
9、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.Aninsurancecompanyorinsuranceintermediaryshallhandleprac
10、ticingregistrationforinsurancesalespersonsaffiliatedtoit.Article4Insurancesalesactivitiesshallfollowtheprinciplesofcompliancewithlawsandregulations,equalityandvoluntariness,fairnessandappropriateness,honestyandgoodfaith,andrespectandprotectthelawfulrightsandinterestsofinsuranceapplicants,theinsured,
11、andthebeneficiaries.Article5ForthepurposesoftheseMeasures,Insurancesalesactivitiesincludeactivitiesbeforeinsurancesales,activitiesduringinsurancesales,andactivitiesafterinsurancesales.Activitiesbeforeinsurancesalesnmeansthataninsurancecompanyandaninsuranceintermediaryentrustedbyorcooperatingwiththei
12、nsurancecompanyandinsurancesalespersonscreatetheenvironmentandprepareconditionsfortheconclusionofaninsurancecontract,andsolicittheoppositepartytotheinsurancecontract.Activitiesduringinsurancesalesmeansthataninsurancecompanyandaninsuranceintermediaryentrustedbyorcooperatingwiththeinsurancecompanyandi
13、nsurancesalespersonscommunicateandnegotiatewithaspecificoppositepartyonthecontentoftheinsurancecontracttobesigned,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
14、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uActivitiesafterinsurancesalesmeansthataninsurancecompanyandaninsuranceintermediaryentrustedbyorcooperatingwiththeinsurancecompanyandinsurancesa
15、lespersonsfulfiltheaccompanyingobligationsarisingfromtheconclusionofaninsurancecontractsuchasdeliveringinsurancepolicies,makingreturnvisits,andprovidingnotificationsofinformationinaccordancewiththeapplicablelaws,regulations,andregulatoryrules.Article6Aninsurancecompanyorinsuranceintermediaryshallint
16、roduceinsuranceknowledgeandgiveinsuranceconsumptionriskwarningstothepubliconaperiodicalbasisinappropriatemethodsandeasy-to-understandlanguage,andfocusonexplainingprofessionaltermsininsuranceclauses,concentratedquestions,actsthatarelikelytocausedisputes,variousrisksininsuranceconsumption,andothercont
17、ents.Article7Aninsurancecompanyorinsuranceintermediaryshallcollectandprocessthepersonalinformationofinsuranceapplicants,theinsured,thebeneficiaries,andthepartiesrelatedtoinsurancebusinessactivitiesundertheprinciplesoflegality,impartiality,necessity,andgoodfaith,properlykeeptheinformationandpreventin
18、formationleakage.Withouttheconsentoftheindividual,noinsurancecompany,insuranceintermediary,orinsurancesalespersonmayprovidetheindividualsinformationtoothers,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
19、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
20、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,andtherelevantpartiesofinsurancebusinessactivities
21、byotherinstitutionsthatcooperatewithit,specifytherequirementsforinformationcollectionandprocessingbyotherinstitutionsinthecooperationagreementofbothparties,regularlyobtaininformationonotherinstitutionsimplementationoftherequirementsoftheagreement,andifitfindsanyviolationoftherequirementsoftheagreeme
22、ntcommittedbyanyotherinstitution,promptlytakemeasurestostopandurgecorrection,andholdtheinstitutionliableinaccordancewiththelaw.Article 8 An intermediary responsibilities and improveinsurancecompanyorinsuranceshallperformitsprimaryforsalesmanagement,establishvariousmanagementrulesforinsurancesales,st
23、rengthenthemanagementoftheidentitiesofinsurancesalespersonswithwhomithasaprincipal-agentrelationshipandtheveracityofinsurancesales,regularlycheckandassesstheeffectivenessandimplementationoftherules.Itshallspecifythesalesmanagementresponsibilitiesofbodiesatalllevelsandtheirofficers,establishthemechan
24、ismfortheimplementationofsalesrules,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
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