人身保险业务基本服务规定

中国保险监督管理委员会令第4号《人身保险业务基本服务规定》已经2010年1月26日中国保险监督管理委员会主席办公会审议通过,现予公布,自2010年5月1日起施行。主席吴定富2010年2月11日     

碧升——为您把握无限的未来

北京碧升保险代理有限公司于2006年10月经北京市保险监督管理局审查批准正式在京成立。公司的核心团队其有多年的保险从业经历及保险中介管理经验．专业化的保险业务团队可根据客户个性化的需要将众多保险公司的保险产品进行最佳优势组合．从而使客户能以最小的投资获取最大的保险保障。     

中关村党员亮出“信用证”

前不久，记者到中关村海淀园采访。在一家金融网站从事销售工作的小孙兴奋地说，他当天就售出了近十万元的保险产品。一些客户还给他留言说，原先上网交易，总担心被黑网店欺诈。后来，他们发现小孙在网上亮出了“党员信用证”，小孙的产品不仅好，人还特诚实守信，于是大家就“锁定”了他。     

浅论保险法的最大诚信原则的必要性

本文从保险行业特征、保险合同特征、保险产品功能、保险行业及保险法的发展四个方面论证了保险法中最大诚信原则的必要性。     

Insuring Growth

ING is among the top three foreign companies in China's life insurance market. But the firm has bigger ambitions, says Patrick Poon, the avuncular Hong Kong finance guru who was until recently charged with heading up the firm's expansion in the Mainland. ING has been spending big recently to ensure "sustainable development in its various businesses which span the insurance, banking, and asset management sectors," explains Poon. Some of those expansionary yuan went on buying a stake in Bank of Beijing, one of the country's better-regarded lenders. In southern China, the Dutch-based multinational operates through Pacific Antai Life headquartered in Shanghai - a joint venture with China Pacific Holdings - with operations in Dongguan, Guangzhou, Nanhai and Shunde. In the North, the firm operates through ING Capital Life, a Dalian-headquartered joint venture which operates branches in Beijing, Shenyang and Jinan in a link up with the Chinese-owned Capital Group.     

保险公司法律责任人的明天

法律责任人在保险公司有名无实、有责无权的现状期待着改变＂法律责任人＂一职,源自保监会的有关规定,即《人身保险产品审批和备案管理办法》与《财产保险公司保险条款和保险费率管理办法》,这两个部门规章性质的规范文件分别要求寿险公司和产险公司指定一名法律责任人。在保监会网站上，也经常见到法律责任人的任职许可。因此，可以说法律责任入师出“有名”。     

保险客户价格心理与产品定价问题的研究

本文通过对保险产品的价格所具有的心理功能，以及保户价格心理等问题的分析。试图发现保险客户价格心理与保险产品定价的关系，并找出其中的某些规律，为保险企业对产品的定价与营销提供帮助。     

IDENTIFYING THE CHARACTER OF THE SEPARATE ACCOUNT OF THE INVESTMENT-LINKED INSURANCE PRODUCTS IN CHINA FROM THEORETICAL AND COMPARATIVE LAW PERSPECTIVES--A PERMANENT SOLUTION FOR ISSUES OF PRESENT LAWS AND REGULATIONS REGARDING THE ADMINISTRATION OF SUCH PRODUCTS

A brand new life insurance product, which is known as investment- linked insurance （ILl）, was first introduced in China in 2000 by the China Ping, an insurance company in Shanghai after the ILl was approved by the China Insurance Regulatory Commission （CIRC）. Due to the reduction of the interest rate on ordinary term deposits that began in 2000, ILI products spread quickly nationwide over a two-to-three year period. ILIs became popular with insurers, because they shift asset management risks to the insured and provide relief for the reverse spread problem facing the insurance companies. They became popular with insureds, because they offer an alternative to investments with a potentially higher yield. Although the market share of investment-linked insurance products in China has been noticeably increasing, laws and regulations regarding the administration of the ILI did not seem to correspond to the rapid growth of sales. In addition to the very limited number of articles in insurance law, the only two existing regulations that address the related supervisory issues are the ＂Tentative measures for the Administration of Investment-Linked Insurance＂ announced by the CIRC in 2000, and the ＂Measures Regulating the Information Disclosure of New Types of Insurance Products＂ enacted by the CIRC in 2009. Unfortunately, both Measures are inadequate to resolve complex supervisory problems such as asymmetry of information, suitability, or other standard settings for the conduct of ILl business. This paper argues that the root of their inadequacy lies in the failure of these measures to identify the character of the separate account in each ILl policy and its distinction from the life insurance policy to which it attaches. Without distinguishing the nature of the separate account from traditional ＂insurance ＂, it is virtually impossible to ascertain the category of the contract formed between each policyholder and insurer with respect to each such account and to determine which laws and regulations. On t     

《互联网保险业务监管办法》施行

2021年2月1日起,《互联网保险业务监管办法》(以下简称《办法》)正式施行。《办法》共5章83条。中国银行保险监督管理委员会(以下简称银保监会)相关人士指出,银保监会将根据互联网保险业务发展阶段、不同保险产品的服务保障需要,另行规定保险机构通过互联网销售保险产品的险种范围和相关条件,银保监会将及时颁布相关政策,保障政策有效衔接。     

商业保险服务浙江海洋经济建设研究

海洋灾害等因素造成的各种风险是发展海洋经济不可回避的问题。因此,面对部分新型产业将实现突破性发展,以及传统产业将迎来"井喷式"发展的新机遇,来研究商业保险如何为浙江海洋经济建设保驾护航是非常有意义的。本课题在比较了国内外主要涉海商业保险,并分析了浙江涉海商业保险现状之后,围绕政保合作、服务水平、人才及产品的方面提出建议,以促进商业保险更好地服务于浙江海洋经济建设。