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最近,从各类金融稽查和社会调查活动中发现:保险市场趋于混乱,无序竞争角逐激烈,严重扰乱了金融秩序的稳定与健康,社会反响强烈。大力整治保险市场,督促保险业健康有序发展,已刻不容缓。 一、保险展业的主要违规表现 之一、高额手续费揽保。随着保险体制改革的深化和保险市场的不断完善,打破了长期形成的独家保险公司垄断保险市场的格局,形成了以人保公司为主渠道的多家保险机构并存的保险体系。为筹集保险资金,各保险企业相互间开展有力的竞争。据调查反映,一些保险企业为聚集保源,不惜耗费血本,采用按20‰至60‰的比例发放高额揽保手续费的方式刺激和助长保户的逐利心态,肆意挑起恶性竞争,导致了保险市场的“大混战”。
Recently, from various types of financial audits and social surveys, it has been found that: the insurance market tends to be chaotic and disorderly competition has become fiercely intense, which has seriously disrupted the stability and health of the financial order and has generated strong social repercussions. Vigorously rectifying the insurance market and urging the insurance industry to grow healthily and orderly has become an urgent task. First, one of the main violations of the insurance industry, high fees Lanfen. With the deepening of the reform of the insurance system and the continuous improvement of the insurance market, the exclusive insurance company monopolized the insurance market that has been formed for a long time has been broken and an insurance system has been formed in which many insurance companies with PICC as the main channel coexist. In order to raise insurance funds, the insurance companies conduct vigorous competition with each other. According to the survey, some insurance companies gathered for the protection of resources and did not hesitate to expend their blood. They used the method of issuing high fees for handouts at a rate of 20 ‰ to 60 ‰ to stimulate and boost the profit-making attitude of policyholders and wantonly provoke vicious competition. Led to the insurance market “big fight.”