中國銀保監會規範互聯網保險銷售行為可回溯
中國銀保監會公布,為規範互聯網保險銷售行為,維護消費者合法權益,近日,銀保監會發布《關於規範互聯網保險銷售行為可回溯管理的通知》。《通知》全文共26條,主要包括以下五方面內容。
一是明確互聯網保險銷售行為可回溯管理的定義和範圍。明確互聯網保險銷售行為可回溯,是指保險機構通過銷售頁面管理和銷售過程記錄等方式,對在自營網絡平台上銷售保險產品的交易行為進行記錄和保存,使其可供查驗。管理範圍是投保人為自然人的商業保險產品。
二是明確銷售頁面和銷售頁面管理的定義。對銷售頁面管理主體、互聯網保險銷售行為的邊界和銷售風險點管控作出要求。三是對保險機構互聯網銷售過程管理作出要求。包括保護投保人自主選擇權、明確保險機構實名驗證職責、細化銷售過程記錄標准、制定信息收集原則等內容。對於收集、使用消費者個人信息,《通知》特別強調保險機構應遵循合法、正當、必要的原則,並採取有效措施保護信息,保護消費者信息安全權。
四是明確可回溯內控管理。主要對可回溯資料內容、保管、安全防護及相關內控制度作出規定,要求保險機構建立全面、系統、規範的內部控制體系。五是明確對融合業務和自助終端業務的管理要求,以及相關法律責任和實施時間。
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