2015年CRI 保监会发布新规定规范互联网保险业务

 

The new guideline clearly defines the qualification and regulations of the internet insurance businesses.

Dean of School of Insurance with Central University of Fiance and Economics Hao Yansu says rules need to be set up to regulate the new business.

"Currently, there are over 80 insurance companies in China. Most of them have their own online platforms to sell products. There are also a few independent online insurance companies. As more and more insurance companies launch their websites, more social capital will enter the internet insurance business. Thus rules need to be set up to ensure the effective operation of this business."

According to the guideline, only legally registered insurance companies and professional insurance agencies can sell products online.

Customers are expected to transfer money directly to a certain account designated by the insurance institute. Third party payment platforms are not allowed to be involved in this process.

Hao Yansu says setting up the entrance threshold means that the "disorderly growth" of internet insurance would be prevented.

"The financial industry needs to be strictly¹ regulated. Those intermediary agencies which are not filed with the supervision² department are not allowed to sell insurance products. A special license³ is required."

The guideline also requires that insurance institutes should present information about insurance products and services in clear and understandable language on the internet platform.

Professor of insurance policy at Beijing Technology and Business University Wang Jinxu says the regulation aims to protect consumers' legal rights.

"Whether consumers are informed of real conditions or not remains⁴ a problem for insurance products sold online. These regulations are greatly needed to avoid disputes."

The regulation is set to come into effect this October.

Statistics show that the revenue of internet insurance stood at around 86 billion yuan in 2014, a growth of 195% compared to 2013.

1 strictly   

adv.严厉地，严格地；严密地

参考例句：

• His doctor is dieting him strictly.他的医生严格规定他的饮食。
• The guests were seated strictly in order of precedence.客人严格按照地位高低就座。

2 supervision   

n.监督，管理

参考例句：

• The work was done under my supervision.这项工作是在我的监督之下完成的。
• The old man's will was executed under the personal supervision of the lawyer.老人的遗嘱是在律师的亲自监督下执行的。

3 license   

n.执照，许可证，特许；v.许可，特许

参考例句：

• The foreign guest has a license on the person.这个外国客人随身携带执照。
• The driver was arrested for having false license plates on his car.司机由于使用假车牌而被捕。

4 remains   

n.剩余物，残留物；遗体，遗迹

参考例句：

• He ate the remains of food hungrily.他狼吞虎咽地吃剩余的食物。
• The remains of the meal were fed to the dog.残羹剩饭喂狗了。