內地互聯網保險業務應由保險機構開展 不滿足條件需立即停止、整改
中國銀保監會出台《互聯網保險業務監管辦法(徵求意見稿)》表示,互聯網保險業務應由依法設立的保險機構開展,其他機構和個人不得開展互聯網保險業務。滿足《辦法》規定條件的保險機構,不需要申請業務許可或進行業務備案。不滿足規定條件的不得開展互聯網保險業務,已經開展的應立即停止通過互聯網銷售保險產品或提供保險經紀服務,整改後滿足規定條件的可以恢復開展相關互聯網保險業務。
非持牌機構面臨行為邊界包括:不得提供保險產品諮詢服務;不得比較保險產品、保費試算、報價比價;不得為投保人設計投保方案;不得代辦投保手續;以及不得代收保費等行為。
此外,互聯網企業代理保險業務,還需做到要求持牌經營,互聯網企業代理保險業務應獲得經營保險代理業務許可;應有較強的合規管理能力、場景和流量優勢、信息技術實力等;應實現業務獨立運營,與主營業務實現業務隔離和風險隔離;不得將互聯網保險業務轉委託給其他機構或個人;以及加強消費者權益保護,建立售後服務快速反應機制。
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