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内地互联网保险业务应由保险机构开展 不满足条件需立即停止、整改
阿思达克 09-28 15:30
中国银保监会出台《互联网保险业务监管办法(徵求意见稿)》表示,互联网保险业务应由依法设立的保险机构开展,其他机构和个人不得开展互联网保险业务。满足《办法》规定条件的保险机构,不需要申请业务许可或进行业务备案。不满足规定条件的不得开展互联网保险业务,已经开展的应立即停止通过互联网销售保险产品或提供保险经纪服务,整改後满足规定条件的可以恢复开展相关互联网保险业务。

非持牌机构面临行为边界包括:不得提供保险产品谘询服务;不得比较保险产品、保费试算、报价比价;不得为投保人设计投保方案;不得代办投保手续;以及不得代收保费等行为。

此外,互联网企业代理保险业务,还需做到要求持牌经营,互联网企业代理保险业务应获得经营保险代理业务许可;应有较强的合规管理能力、场景和流量优势、信息技术实力等;应实现业务独立运营,与主营业务实现业务隔离和风险隔离;不得将互联网保险业务转委托给其他机构或个人;以及加强消费者权益保护,建立售後服务快速反应机制。

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