interference from many informal practitioners, poor service, arbitrary charges, shoddy, burglary, etc. Happens from time to time. The chaos in the lock industry constantly overdraws the reputation of the industry, which seriously hinders the development of the industry. In order to solve these problems, Shandong Lock Association focused on the 96665 platform, standardized the unlocking industry and put an end to the chaos in the unlocking industry.
The China Insurance Regulatory Commission recently issued the "Notice on Rectifying the Chaos in the Motor Vehicle Insurance Market (Draft for Comment)", requiring property insurance institutions not to ignore internal control compliance and risk management, not to blindly strive for scale and share, and to focus on cracking down on illegal activities such as charging and improper transportation interests in the auto insurance market, so as to promote the sustained and healthy development of the industry. In recent years, China's automobile insurance coverage has been continuously expanded, and the insurance coverage and insurance liability limit have been greatly improved. However, the long-standing vicious price competition has not been fundamentally solved. Especially after the market-oriented reform of auto insurance rates, enterprises have gained more initiative in auto insurance pricing.
some companies use ultra-low premium to pull orders, which not only affects the operating efficiency of the auto insurance market, but also causes service discounts such as delayed compensation and unwilling compensation behind seemingly affordable prices, and ultimately damages the legitimate rights and interests of consumers. To this end, the draft for comments is clear, and property insurance companies must not blindly compete for scale and share; Not divorced from the company's development foundation and market affordability, giving unrealistic premium growth tasks to branches; Do not deviate from the actuarial pricing basis and sell auto insurance products at a price lower than the cost; It is not allowed to give or promise to give benefits to the insured and the insured other than those stipulated in the insurance contract by returning or giving cash, prepaid cards, securities, insurance products and shopping vouchers, and it is not allowed to engage in unfair competition. Cost control is also the primary task of this supervision. Property insurance companies shall not charge fees through direct business and intermediary business; Not allowed to pass false reports? Conference fee? 、? Publicity fee? 、? Advertising fee? 、? Employee performance pay? 、? Claim fee? Charge by other means.
the CIRC will also severely crack down on the behavior of property insurance companies to transfer illegitimate interests under various pretexts. Property insurance companies shall not intentionally expand the loss of insurance accidents or increase the insurance claims fees by exaggerating spare parts items, fictional working hours items, and raising working hours pricing standards, and engage in illegitimate interests activities; It is not allowed to transfer illegitimate interests to other institutions or individuals by paying business deposits or underwriting profit sharing. The Notice also requires property insurance companies to withdraw the outstanding claims reserve in full and on time in strict accordance with relevant regulations, and shall not adjust the outstanding claims reserve in violation of regulations, and adjust the payout ratio data between different periods, different regions, different branches and different types of insurance, resulting in confusion in the financial data of auto insurance business. Not true; The legitimate rights and interests of insurance consumers shall not be harmed by delaying compensation, deducting compensation or unreasonably refusing compensation. The China Insurance Regulatory Commission (CIRC) said that for serious violations of laws and regulations, measures such as restricting the business scope of insurance institutions, revoking their business licenses and revoking the qualifications of senior managers will be taken according to law. Insiders pointed out that the rectification began with the second reform of commercial auto insurance rates, which was a combination boxing to clear the obstacles for the reform.