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海保人壽等20家公司被點名 銀保監會通報人身保險產品4項典型問題

2020-01-11 09:01:38 來源:亞匯網 作者:鵬濤 打印 字號:  

   來源:金融時報客戶端

左右棋牌   2020NIAN1YUE10RI,YINBAOJIANHUIGUANWANGFABU《ZHONGGUOYINBAOJIANHUIRENSHENXIANBUGUANYUJINQIRENSHENBAOXIANCHANPINWENTIDETONGBAO》(RENSHENXIANBUHAN〔2020〕9HAO),ZHENGSHITONGBAOJINQIRENSHENBAOXIANCHANPINJIANGUANZHONGFAXIANDEDIANXINGWENTI,SHEJICHANPINSHEJI、FEILVLIDINGDENGWENTI,SHEJIYIWAIXIAN、JIANKANGXIANCHANPIN。ZAIYIWAIXIANJINGYINGWEIFAWEIGUIWENTIZHONG,HAIBAORENSHOUBEIDIANMING。 

   產品核查發現的主要問題 

左右棋牌   (YI)CHANPINSHEJIWENTI。YISHICHANPINZERENSHEJIYUCHANPINDINGYIBUFU。RU,YINGDATAIHEMOUJIBINGBAOXIAN,BAOXIANZERENZHONGBAOHANLESHENGCUNJINGEIFUZEREN,YUJIBINGBAOXIANDINGYIBUFU。ERSHICHANPINBAOZHANGGONGNENGRUOHUA。RU,HEXIEJIANKANG、RENBAOJIANKANGMOUHULIBAOXIAN,CHANPINWEIWANNENGXING,HULIZERENFENGXIANBAOFEIZHANZHENGTIBAOFEIBILIJIAODI。

左右棋牌   (ER)CHANPINTIAOKUANBIAOSHUWENTI。YISHITIAOKUANBIAOSHUYUFALVGUIDINGBUFU。RU,RUITAIRENSHOU、RUIHUAJIANKANG、ZHONGDEANLIAN、GUOHUARENSHOUDENGGONGSIBUFENCHANPINTIAOKUANZHONGGUANYUJUYOUGUANXIAQUANDEFAYUANFANWEIYUEDING,YU《ZHONGHUARENMINGONGHEGUOMINSHISUSONGFA》GUANYUDIYUGUANXIADEGUIDINGBUFU。ERSHITIAOKUANBIAOSHUBUQINGXI。RU,XINMEIXIANGHUHEZHAOSHANGRENHEMOUYILIAOBAOXIAN,CHANPINWEIYINIANQIFEIBAOZHENGXUBAOCHANPIN,DANXUBAOTIAOKUANZHONGBAOHAN“ZIDONGXUBAO”BIAOSHU,CUNZAI“DUANXIANCHANGZUO”FENGXIAN。SANSHITIAOKUANBIAOSHUYIYINFAJIUFEN。RU,HUAXIARENSHOU、RENBAOJIANKANG、ZHAOSHANGXINNUO、HAIBAORENSHOU、ZHONGMEILIANTAIDADOUHUI、ZHONGYIRENSHOU、FUXINGLIANHEJIANKANGHEDEHUAANGUDENGGONGSIBAOSONGDEBUFENJIANKANGBAOXIANCHANPIN,TIAOKUANZHONGYUEDINGJIANGDENGDAIQICHUXIANDEZHENGZHUANGHUOTIZHENGZUOWEIZAIDENGDAIQIHOUFASHENGBAOXIANSHIGUSHIDEMIANZEYIJU,ERZHENGZHUANGYUTIZHENGJUNWUKEGUANPANDINGBIAOZHUN,QINHAIXIAOFEIZHELIYI。 (SAN)CHANPINFEILVLIDINGWENTI。DUANQIJIANKANGBAOXIANCHANPINYOUFEILVDIAOZHENGBIAOSHU。RU,TAIPINGYANGRENSHOUMOUYILIAOBAOXIAN,CHANPINTIAOKUANZHONGHANYOUXUBAOSHIKENENGDIAOZHENGCHANPINFEILVDEBIAOSHU,YU《JIANKANGBAOXIANGUANLIBANFA》YAOQIUBUFU。 (SI)QITAWENTI。YISHIBEIANCAILIAOBAOSONGBUGUIFAN。RU,PINGANJIANKANGMOU2KUANJIANKANGBAOXIANCHANPINBAOSONGDEBUFENCAILIAOBUSHUYUCHANPINBEIANCAILIAOFANCHOU。ERSHIBEIANCAILIAOXINXITIANXIEBUGUIFAN。RU,FUXINGLIANHEJIANKANGBAOSONGDEMOU5KUANCHANPIN,FEIGAIXINXIBIAOZHONGCHANGFUNENGLISHUJUWEIQUFENZONGHEHEHEXINCHANGFUNENGLICHONGZULV;TAIPINGYANGLAOMOUZHONGDAJIBINGBAOXIAN,FEIGAIXINXIBIAOZHONGJIN5NIANGONGSITOUZISHOUYISHUJUWEIGENGXIN。

   ER

   YIWAIXIANJINGYINGWEIFAWEIGUIWENTI

左右棋牌   ZHONGGUOYINBAOJIANHUIZAIXIANCHANGDIAOCHAZHONGFAXIAN,2019NIAN3YUEZHI5YUEZHONGXUN,HAIBAORENSHOUTONGGUOYIKANGJIBAOXIANJINGJIYOUXIANZERENGONGSI,ZAISHENZHENSHISUISHOUKEJIYOUXIANGONGSIQIXIAWANGLUOPINGTAIXIAOSHOUHAOSHENGHUOJIEKUANRENYIWAISHANGHAIBAOXIANGUOCHENGZHONG,CUNZAIYIXIAWENTI:YISHICHUGENJUDIQU、ZHIYEDENGYINSUJINXINGFEILVFUDONGWAI,HUANCANKAOLEKEHUDEJIEKUANQIXIAN、JIEKUANJINE、ZICHAN、XINYONGZHUANGKUANGDENGYINSU,MEIYOUWANQUANANZHAOJINGBEIANDEBAOXIANTIAOKUANDUIFEILVFUDONGJINXINGGUANLI。ERSHIYUYIKANGJIJINGJIYUEDINGDEYONGJINFEIYONGLVDAFUGAOCHUJINGSUANBAOGAOZHONGDEYUDINGFEIYONGLVSHUIPING。HAIBAORENSHOUDUISHANGSHUWENTIJINXINGLEZHENGGAI,BINGDUIXIANGGUANZERENRENJINXINGLENEIBUWENZE。

左右棋牌   SAN

左右棋牌   XUGUANZHUDEWENTI

左右棋牌   《JIANKANGBAOXIANGUANLIBANFA》(YINBAOJIANHUILING2019NIANDI3HAO)SHISHIHOU,DUIJIANKANGBAOXIANYEWUTICHUXINDEYAOQIU。GENJU《JIANKANGBAOXIANGUANLIBANFA》JIQITAJIANGUANGUIDING,QINGGEGONGSIGUANZHURUXIAWENTI:YISHICHANGQIJIANKANGBAOXIANCHANPINYOUYUQIBUDESHAOYU15TIAN。ERSHIHANYOUBAOXIANXUBAOTIAOKUANDEJIANKANGBAOXIANCHANPIN,YINGDANGZAICHANPINJINGSUANBAOGAOZHONGSHUOMINGBAOZHENGXUBAODEDINGJIACHULIFANGFAHEZERENZHUNBEIJINJISUANBANFA。SANSHIBAOXIANGONGSIXIAOSHOUJIANKANGBAOXIANCHANPIN,BUDEQIANGZHIDAPEIQITACHANPINXIAOSHOU。BUFENGONGSIZAITIAOKUANZHONGYUEDINGXIAOFEIZHEBUDEDANDUJIECHUFUJIAXIAN,HUOZHEYUEDINGGAICHANPINBAOXIANJINGEIFUYIQITACHANPINBAOXIANJINSHIFOUGEIFUWEIQIANTITIAOJIAN,SHEXIANQINHAIXIAOFEIZHELIYI。SISHICHANPINBEIANCAILIAOZHONGDEZONGJINGSUANSHISHENGMINGSHUHEFALVZERENRENSHENGMINGSHUDENGCAILIAOZHONG,GUANYUYUANBAOJIANHUIDEXIANGGUANBIAOSHUYINGANJIGOUGAIGEHOUZUIXINMINGCHENGJINXINGDIAOZHENG。

左右棋牌   SI

   GONGZUOYAOQIUYOUNAXIE?

左右棋牌   GERENSHENBAOXIANGONGSIYINGDANGJIAQIANGDUICHANPINKAIFADEGUIFANGUANLI,YANGEDUIZHAOLICITONGBAONEIRONGJINXINGZICHA,JIAQIANGDUICHANPINTIAOKUANZHIDING、FEILVLIDINGDENGGONGZUOSHENHEBAGUAN,QUEBAOCHANPINYIFAHEGUI。

   GEGONGSIYAOGAODUZHONGSHIXIAOFEIZHEQUANYIBAOHUGONGZUO:

左右棋牌   BUDESHEZHIBUHELIDEMIANZETIAOKUANSUOXIAOBAOXIANZERENFANWEI,BUDESHEZHIBUHELIDEYUEDINGXIANZHIXIAOFEIZHEHEFAQUANLI,

   BUDESHEZHIBUHELIDETIAOKUANBIAOSHUWEIWUDAOXIAOSHOUTIGONGBIANLI。

   GERENSHENBAOXIANGONGSIBUDELIYONGTONGBAONEIRONGJINXINGXINGYEDIHUI,BUDEJIANGTONGBAONEIRONGZUOWEIYINGXIAOCHAOZUO、BUZHENGDANGJINGZHENGGONGJU。

   WEIFANXIANGGUANGUIDINGCHANSHENGBULIANGYINGXIANGDE,YINBAOJIANHUIJIANGYANSUZHUIJIUXIANGGUANGONGSIHEXINXICHUANBORENYUANZEREN。

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