Shenzhen specification bancassurance sales require banks to strengthen management of the traces

Updated: October 20, 2015  Views: 10

□ reporter Zhou Wenjing

Shenzhen Insurance Regulatory Commission and the Shenzhen Banking Bureau recently jointly to insurance companies, commercial banks issued a << on strengthening bancassurance sales behavior management notice >> (hereinafter referred to as << notify >>), to further strengthen the commercial bank insurance agency Business sales behavior management, effectively protect the legitimate rights and interests of insurance consumers, promoting the sustainable and healthy development of bancassurance.

In recent years, Shenzhen bancassurance sustained and rapid development. 2015 January-August, bank and insurance business reached 24.9 billion yuan, an increase of 39%, accounting for the total life insurance premiums of up to 32% the proportion of the bank has become the Shenzhen people buy personal an important channel for insurance, but at the same time the rapid development of bancassurance, there have been sales of non-standard and other related problems and risks. << notify >> from standardized sales practices, to build a full range of silver strengthening personnel management and supervision, strengthen sales insurance business risk prevention system.

<< Notice >> from 'sales cycle' is the core to start, requiring commercial banks to strengthen bancassurance sales activity traces management, since January 1, 2016 sale of participating insurance, universal insurance and investment-linked insurance and other life insurance new product sales process needs to carry out the recording. << notice >> clear commercial bank sales staff in the sales process would like to policyholders detailed policy terms, insurance, interest demos, tips and halfway surrender risk losses and other aspects of the specific content, and recording archive. For example, for participating insurance, salespeople need to prompt policyholders dividends is uncertain, there may be 'zero', while also referring to the interests of demo table at high, medium and low-grade presentation of dividends and introduced halfway insured, particularly the surrender of specific losses that may result from previous years.

<< >> In addition to the sale of part of the notification made recording requirements, specific requirements also focus on aspects of sales management and sales supervision. << Notice >> regulations, the sales staff should get the number after practice to engage in insurance sales job, requiring Banks will practice number information in outlets for publicity, and strengthen sales staff integrity management. In addition, the << notify >> also called bancassurance industry organizations on both sides to strengthen self-discipline full supervision, strengthen credit management, as well as providing technical support and other aspects of the platform play a role in the formation of norms bancassurance business management and effective force.


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