中銀保監對財險公司產品實施分類監管、屬地監管
中國銀保監會發布《關於進一步加強和改進財產保險公司產品監管有關問題的通知》提到,將從進一步提高產品監管效率,強化產品監管有效性角度出發,對財產保險公司產品審批備案範圍進行調整,將使用示範產品的機動車輛商業保險、一年期以上信用保險和保證保險產品由審批改為備案,原屬於備案類的產品仍採用備案管理。同時將堅持放管結合、並重的原則,對備案產品持續強化監管。
該通知規定對財產保險公司產品實施分類監管和屬地監管,包括使用示範產品的機動車輛商業保險、中央財政保費補貼型農業保險產品由銀保監會負責備案並監管;其他產品均由相關銀保監局負責備案並監管;中銀保監將根據市場情況變化和產品監管工作需要,適時調整由銀保監局負責備案並監管的產品範圍。
該通知明確,財險公司切實承擔起產品管理主體責任,強化產品管控,開展消費者保護審查,嚴把產品質量關;保險行業協會需發揮好自律職能,保障產品註冊平台安全運行,研究建立產品評估和創新保護機制;各銀保監局需加強組織保障,建設好產品監管隊伍,落實好各項產品監管規定,維護良好的市場秩序和產品生態。(ta/u) ~
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