Network pin Bank wants to leave an opening

Recently, the China insurance regulatory Commission on the regulation of Internet insurance business (exposure draft) (short title of the draft) open to the community for comments. Which stipulates that professional insurance companies, insurance intermediaries shall not entrust the concurrent-business insurance agency insurance business on the Internet, which is the most important part of the Agency and industry. "But we hope that the regulation can leave an opening. "A large State-owned Finance Commissioner on the securities daily insurance reporter of the weekly. Recommended reading insurance weekly: variable amount annuity pilot started Beijing Shanghai five city first wins insurance enterprises violations promotions penalty 500,000 insurance ring "Wang yawei" emerge surface exaggerated income does not to risk silver insurance disputes constantly should first to family "pillar" Shang foot insurance regardless of from lost insurance is zehui Shi Qiming jointly immortal see disk build boutique lecture Bank: network pin can "three win" actually, above bank related personnel of hope is has reasons of. In the China insurance regulatory Commission in the draft, although made it clear that, professional insurance companies, insurance intermediaries shall not entrust the concurrent-business insurance agency insurance business on the Internet, but is followed by a sentence added "except as otherwise provided by the China insurance regulatory Commission." Reporters found that provisions related to the China insurance regulatory Commission did have before. On March 13, the insurance agency business of commercial banks of China insurance regulatory Commission issued regulatory guidelines (hereinafter referred to as the guidelines) have such a provision: "the commercial banks and insurance companies should strengthen strategic cooperation, on the premise of law compliance, risk control, telephone sales, online sales and other innovative sales in cooperation mode. "And, the guidelines under of 30th section also has online bank sales insurance products of related provisions:" commercial banks by online bank sales insurance products of, should has striking of risk prompted, sales process in the of the risk tube controlled measures shall not below commercial banks dot of standard, and sales process should retained full records; insurance company should tie commercial banks provides electronic policy, constantly improved and upgrade service quality; high risk of complex insurance products should ensure sales to has corresponding risk bear ability of suitable customer. "Therefore, bank personnel," said the China insurance regulatory Commission since there is such a provision, you and not to Bank a stick and strike out, but due to the policy guidance of the insurance company now less dependent on channels of banks and insurance companies, so in terms of net sales in banking and industry agencies, such as excluding the possibility of also. "In addition, the sources also said online sales agent product is in its infancy, although most of the banks have a platform, but business is not very large. Therefore, after the introduction of the draft and will not have too much of an impact on the banking business. However, the Bank's electronic banking business volume of the previous year exceeded the total amount of its business 50%, as generation y 90hou enter society, network marketing is a trend, banks do not want to abandon this business revenue. "And Bank outlets scarce, network distribution can ease the pressure points, and will not be subject to Bank on the insurance company" three pair "restriction. This is beneficial for banks, insurance companies and their customers. "The above banking related personnel said that online banking customers are generally high quality customers, the network PIN is handy will help banks improve customer perception. Insurance-Enterprise: network PIN is a small channel on the relevant provisions of the draft, the reporter interviewed the top property of a company, generally agreed that the company's net sales in the trade insurance to do better. Relevant personnel said the company, most of the products through their own official website direct sales company, rarely by banking online sales. Therefore, even if the banks cannot sell insurance online, make much impact on insurance companies. Effect cancel the online sale of insurance products by banks, insurance companies ' response more consistent. A foreign insurance companies, said in an interview with reporters, network distribution channels in the existing channel would have had a relatively weak channel sales for most insurance companies will not have much of an impact. And, insurance companies and banks even more important is its outlets network pin, the insurance company does not seem rehu. "Its causes has three, from fundamentally,, in in China currently situation Xia, mass of insurance consciousness is not is strong; second is, network trust problem, now occurs had many bank card was stolen brush, network silver in of money were missing of case, most people also is is cautious of, even has insurance demand also rarely in online purchase; last is age problem, age larger of people may on insurance of demand and awareness more some, but this part people on computer application are does not too skilled, does not habits network purchased, and like network purchased of young people rarely consider insurance problem", a insurance company persons on network pin vulnerable of causes made above analysis. Reporter queries a number of insurance company's official website found that insurance companies less than half of net sales channel. Insurance company's official website displays network distribution channels, but not in direct insurance, just have the customer Web site registration information, follow-up contact insurance company, did insurance sales. Judging from the network distribution line, sales of insurance company's official website for the terms straightforward accident insurance, travel insurance and other insurance, property insurance automobile insurance, casualty sales more. "Complex articles most of the individual products is also explained in person to agent", the insurance company officials said. Regulators not only to the network distribution channels beginning for comments, in China on April 19 the insurance sales regulations (draft for soliciting opinions) also released, one month before the insurance agency business of commercial banks under regulatory guidelines. Within a short time, the channel regulation intensive publishing, insurance regulatory Commission on the channels of supervision this year can be described as comprehensive and detailed.