独立个人保险代理人制度终于来了！
<div class="wx_rich_media_content" id="jsWxContainer"><section style='box-sizing: border-box;font-size: 16px;'><section style='text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;box-sizing: border-box;'></span></section></section><section style='opacity: 0.99;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;box-shadow: rgb(0, 0, 0) 0px 0px 0px;border-style: none;border-width: 0px;border-radius: 0px;border-top-color: rgb(170, 195, 255);padding-right: 10px;padding-left: 10px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgb(239, 244, 255);border-bottom: 0px none rgb(62, 62, 62);border-bottom-right-radius: 9px;border-left: 0px none rgb(62, 62, 62);border-bottom-left-radius: 9px;padding: 15px;border-top: 3px solid rgb(255, 255, 255);border-top-left-radius: 0px;box-sizing: border-box;'><section style='color: rgb(83, 83, 83);line-height: 2.5;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><p style='text-indent: 0em; box-sizing: border-box;'>为引导保险公司规范有序发展独立个人保险代理人队伍，提高保险销售专业化职业化水平，服务保险业高质量转型，中国银保监会中介部起草了《关于保险公司发展独立个人保险代理人有关事项的通知(征求意见稿》（以下简称《征求意见稿》）并于近日向业内征求意见。</p><p style='text-indent: 0em; box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='text-indent: 0em; box-sizing: border-box;'>《通知》分七部分共二十六条，从独立个人保险代理人定位、条件标准、甄选机制、支持举措、执业管理、行为规范、监督管理等方面提出具体的监管要求。</p></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-top: 0.5em;margin-bottom: 0.5em;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;vertical-align: top;width: 0px;margin-top: 0.4em;border-left: 0.8em solid rgb(95, 156, 239);border-top: 0.8em solid rgb(95, 156, 239);border-right: 0.8em solid transparent !important;border-bottom: 0.8em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='display: inline-block;vertical-align: top;max-width: 80% !important;box-sizing: border-box;'><section style='margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='letter-spacing: 2px;line-height: 1.8;box-sizing: border-box;'><p style='box-sizing: border-box;'><span style='font-size: 17px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>何为“独立个人保险代理人”</strong></span><br style='box-sizing: border-box;'></p></section></section></section><section style='display: inline-block;vertical-align: bottom;width: 0px;margin-bottom: 0.3em;border-right: 0.8em solid rgb(95, 156, 239);border-bottom: 0.8em solid rgb(95, 156, 239);border-left: 0.8em solid transparent !important;border-top: 0.8em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='line-height: 2.5;letter-spacing: 2px;padding-right: 5px;padding-left: 5px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>《征求意见稿》对独立个人保险代理人把握以下基本监管取向：<span style='color: rgb(55, 111, 188);box-sizing: border-box;'><strong style='box-sizing: border-box;'>市场定位上，</strong></span>一方面将独立个人保险代理人归属于个人保险代理人范畴；另一方面强调和突出其非团队属性，打破组织层级，以有别于传统的团队型个人保险代理人。<span style='color: rgb(55, 111, 188);box-sizing: border-box;'><strong style='box-sizing: border-box;'>从业形态上，</strong></span>鼓励独立个人保险代理人展业形式多样，“坐商”“行商”均可。<strong style='box-sizing: border-box;'><span style='color: rgb(55, 111, 188);box-sizing: border-box;'>管理机制上，</span></strong>强化保险公司的管控责任，以此为抓手落实对独立个人保险代理人市场行为的管控。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>根据《征求意见稿》，独立个人保险代理人是指与保险公司签订委托代理合同，不参加营销团队、自主独立开展保险销售的个人保险代理人。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>此次发展独立个人保险代理人，“独立”主要体现在以下三个方面：</p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; font-size: 19px; box-sizing: border-box;' powered-by="xiumi.us"><section style='width: 2em;height: 2em;display: inline-block;margin: auto;border-width: 1px;border-style: solid;border-color: transparent;border-radius: 100%;background-color: rgb(55, 111, 188);padding-top: 0.25em;box-sizing: border-box;'><section style='width: 1.8em;height: 1.8em;margin-left: -0.05em;border-radius: 100%;background-color: rgb(255, 255, 255);text-align: center;font-size: 15px;line-height: 1.8em;color: rgb(55, 111, 188);box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>1</strong></p></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 16px;border-width: 0px;box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;border-left: 2px dashed rgb(160, 160, 160);border-bottom-left-radius: 0px;padding-left: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin: -30px 0% 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 15px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;font-size: 18px;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='margin-right: 0%;margin-bottom: 20px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='line-height: 2.5;letter-spacing: 2px;padding-right: 5px;padding-left: 5px;box-sizing: border-box;'><p style='box-sizing: border-box;'>独立个人保险代理人必须破除组织层级，不得隶属任何保险营销团队，也不得发展保险营销团队，仅可以聘请少数人员从事协助投保、出单、售后管理等辅助性工作；</p></section></section></section></section></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; font-size: 19px; box-sizing: border-box;' powered-by="xiumi.us"><section style='width: 2em;height: 2em;display: inline-block;margin: auto;border-width: 1px;border-style: solid;border-color: transparent;border-radius: 100%;background-color: rgb(55, 111, 188);padding-top: 0.25em;box-sizing: border-box;'><section style='width: 1.8em;height: 1.8em;margin-left: -0.05em;border-radius: 100%;background-color: rgb(255, 255, 255);text-align: center;font-size: 15px;line-height: 1.8em;color: rgb(55, 111, 188);box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>2</strong></p></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 16px;border-width: 0px;box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;border-left: 2px dashed rgb(160, 160, 160);border-bottom-left-radius: 0px;padding-left: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin: -30px 0% 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 15px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;font-size: 18px;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='margin-right: 0%;margin-bottom: 20px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='line-height: 2.5;letter-spacing: 2px;padding-right: 5px;padding-left: 5px;box-sizing: border-box;'><p style='box-sizing: border-box;'>独立个人保险代理人应按照代理销售的保险费直接计算佣金，不得给予组织增员利益等间接佣金；</p></section></section></section></section></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; font-size: 19px; box-sizing: border-box;' powered-by="xiumi.us"><section style='width: 2em;height: 2em;display: inline-block;margin: auto;border-width: 1px;border-style: solid;border-color: transparent;border-radius: 100%;background-color: rgb(55, 111, 188);padding-top: 0.25em;box-sizing: border-box;'><section style='width: 1.8em;height: 1.8em;margin-left: -0.05em;border-radius: 100%;background-color: rgb(255, 255, 255);text-align: center;font-size: 15px;line-height: 1.8em;color: rgb(55, 111, 188);box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>3</strong></p></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 16px;border-width: 0px;box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;border-left: 2px dashed rgb(160, 160, 160);border-bottom-left-radius: 0px;padding-left: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin: -30px 0% 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 15px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;font-size: 18px;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='margin-right: 0%;margin-bottom: 20px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='line-height: 2.5;letter-spacing: 2px;padding-right: 5px;padding-left: 5px;box-sizing: border-box;'><p style='box-sizing: border-box;'>独立个人保险代理人根据保险公司的授权代为办理业务的行为，由保险公司承担责任。独立个人保险代理人没有代理权、超越代理权或者代理权终止后以保险公司名义订立合同，使投保人有理由相信其有代理权的，该代理行为有效。</p></section></section></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-top: 0.5em;margin-bottom: 0.5em;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;vertical-align: top;width: 0px;margin-top: 0.4em;border-left: 0.8em solid rgb(95, 156, 239);border-top: 0.8em solid rgb(95, 156, 239);border-right: 0.8em solid transparent !important;border-bottom: 0.8em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='display: inline-block;vertical-align: top;max-width: 80% !important;box-sizing: border-box;'><section style='margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='letter-spacing: 2px;line-height: 1.8;box-sizing: border-box;'><p style='box-sizing: border-box;'><span style='font-size: 17px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>怎样成为“独立个人保险代理人”</strong></span><br style='box-sizing: border-box;'></p></section></section></section><section style='display: inline-block;vertical-align: bottom;width: 0px;margin-bottom: 0.3em;border-right: 0.8em solid rgb(95, 156, 239);border-bottom: 0.8em solid rgb(95, 156, 239);border-left: 0.8em solid transparent !important;border-top: 0.8em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='line-height: 2.5;letter-spacing: 2px;padding-right: 5px;padding-left: 5px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>《征求意见稿》还对独立个人保险代理人应具备的基本条件标准及甄选机制做出规定。</p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: center;justify-content: center;margin: 10px 0%;display: flex;flex-flow: row nowrap;box-sizing: border-box;'><section style='display: inline-block;vertical-align: bottom;width: auto;min-width: 10%;max-width: 100%;flex: 0 0 auto;height: auto;align-self: flex-end;box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: right;color: rgb(55, 111, 188);font-size: 30px;line-height: 1;letter-spacing: 0px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>01</strong></p></section></section><section style='text-align: right;font-size: 0px;justify-content: flex-end;transform: translate3d(11px, 0px, 0px);-webkit-transform: translate3d(11px, 0px, 0px);-moz-transform: translate3d(11px, 0px, 0px);-o-transform: translate3d(11px, 0px, 0px);margin: -11px 0% -7px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 74%;height: 10px;vertical-align: top;overflow: hidden;background-color: rgba(29, 131, 255, 0.08);box-sizing: border-box;line-height: 0;'><br></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='display: flex;flex-flow: row nowrap;margin-top: 10px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: auto;flex: 44 44 0%;align-self: flex-start;height: auto;margin-right: 8px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgb(55, 111, 188);height: 2px;box-sizing: border-box;line-height: 0;'><br></section></section></section><section style='display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 100 100 0%;height: auto;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgb(55, 111, 188);height: 2px;box-sizing: border-box;line-height: 0;'><br></section></section></section></section></section></section><section style='display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 100 100 0%;height: auto;box-sizing: border-box;'><section style='text-align: right;justify-content: flex-end;margin-right: 0%;margin-left: 0%;font-size: 0px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 80%;vertical-align: top;height: auto;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgb(55, 111, 188);height: 1px;box-sizing: border-box;line-height: 0;'><br></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='display: flex;flex-flow: row nowrap;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: auto;min-width: 10%;max-width: 100%;flex: 0 0 auto;height: auto;align-self: stretch;box-sizing: border-box;'><section style='text-align: justify;color: rgb(55, 111, 188);padding-right: 7px;padding-left: 7px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>条件标准</strong></p></section></section><section style='display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 100 100 0%;height: auto;background-color: rgba(29, 131, 255, 0.05);margin-top: -7px;margin-bottom: 5px;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section></section></section></section></section><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgba(29, 131, 255, 0.05);box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding: 10px 7px;box-sizing: border-box;'><section style='letter-spacing: 2px;line-height: 2.5;padding-right: 5px;padding-left: 5px;color: rgb(99, 99, 99);box-sizing: border-box;' powered-by="xiumi.us"><ol class="list-paddingleft-2"><li style='box-sizing: border-box;'><p style='box-sizing: border-box;'>拟招用人员应诚实守信，具有良好品行和社会征信记录，未曾因贪污、受贿、侵占财产、挪用财产或者破坏社会主义市场秩序被判处刑罚，未曾因严重失信行为被国家有关单位确定为失信联合惩戒对象，最近三年内未曾被金融监管机构行政处罚；</p><p style='box-sizing: border-box;'><br></p></li><li style='box-sizing: border-box;'><p style='box-sizing: border-box;'>拟招用人员应具备大专以上学历，通过保险基本理论和保险产品知识专门培训及测试，从事保险工作<strong style='box-sizing: border-box;'><span style='color: rgb(55, 111, 188);box-sizing: border-box;'>5年以上</span></strong>者可放宽至高中学历；</p><p style='box-sizing: border-box;'><br></p></li><li style='box-sizing: border-box;'><p style='box-sizing: border-box;'>拟招用人员应有创业意愿和事业心，具有承担经营风险的意识和业务拓展能力。</p></li></ol></section></section></section></section><section style='text-align: right;justify-content: flex-end;font-size: 0px;margin: -3px 0% 5px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 60%;vertical-align: top;height: auto;box-sizing: border-box;'><section style='margin-top: 2px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgba(29, 131, 255, 0.57);height: 1px;box-sizing: border-box;line-height: 0;'><br></section></section></section></section><section style='margin: 2px 0% 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgba(29, 131, 255, 0.57);height: 1px;box-sizing: border-box;line-height: 0;'><br></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: center;justify-content: center;margin: 10px 0%;display: flex;flex-flow: row nowrap;box-sizing: border-box;'><section style='display: inline-block;vertical-align: bottom;width: auto;min-width: 10%;max-width: 100%;flex: 0 0 auto;height: auto;align-self: flex-end;box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: right;color: rgb(55, 111, 188);font-size: 30px;line-height: 1;letter-spacing: 0px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'></strong></p><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>02</strong></p></section></section><section style='text-align: right;font-size: 0px;justify-content: flex-end;transform: translate3d(11px, 0px, 0px);-webkit-transform: translate3d(11px, 0px, 0px);-moz-transform: translate3d(11px, 0px, 0px);-o-transform: translate3d(11px, 0px, 0px);margin: -11px 0% -7px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 74%;height: 10px;vertical-align: top;overflow: hidden;background-color: rgba(29, 131, 255, 0.08);box-sizing: border-box;line-height: 0;'><br></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='display: flex;flex-flow: row nowrap;margin-top: 10px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: auto;flex: 44 44 0%;align-self: flex-start;height: auto;margin-right: 8px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgb(55, 111, 188);height: 2px;box-sizing: border-box;line-height: 0;'><br></section></section></section><section style='display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 100 100 0%;height: auto;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgb(55, 111, 188);height: 2px;box-sizing: border-box;line-height: 0;'><br></section></section></section></section></section></section><section style='display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 100 100 0%;height: auto;box-sizing: border-box;'><section style='text-align: right;justify-content: flex-end;margin-right: 0%;margin-left: 0%;font-size: 0px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 80%;vertical-align: top;height: auto;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgb(55, 111, 188);height: 1px;box-sizing: border-box;line-height: 0;'><br></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='display: flex;flex-flow: row nowrap;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: auto;min-width: 10%;max-width: 100%;flex: 0 0 auto;height: auto;align-self: stretch;box-sizing: border-box;'><section style='text-align: justify;color: rgb(55, 111, 188);padding-right: 7px;padding-left: 7px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>甄选机制</strong></p></section></section><section style='display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 100 100 0%;height: auto;background-color: rgba(29, 131, 255, 0.05);margin-top: -7px;margin-bottom: 5px;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section></section></section></section></section><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgba(29, 131, 255, 0.05);box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding: 10px 7px;box-sizing: border-box;'><section style='letter-spacing: 2px;line-height: 2.5;padding-right: 5px;padding-left: 5px;color: rgb(99, 99, 99);box-sizing: border-box;' powered-by="xiumi.us"><ol class="list-paddingleft-2"><li style='box-sizing: border-box;'><p style='box-sizing: border-box;'>建立严格的道德品行、社会信用、学历水平、专业知识、工作经历、业务能力等方面的考察标准；</p><p style='box-sizing: border-box;'><br></p></li><li style='box-sizing: border-box;'><p style='box-sizing: border-box;'>建立清晰有序的甄选流程，至少设置基本信息审核、从业经历与诚信状况调查、职业性向测试、面试、岗前专业知识培训与合规教育、入职综合测评等环节，形成综合多元的评价体系；</p><p style='box-sizing: border-box;'><br></p></li><li style='box-sizing: border-box;'><p style='box-sizing: border-box;'>建立上下联动的筛选机制，采取多层面试、多轮面试、下级推荐上级决定等多种行之有效的方式，既充分发挥基层机构贴近熟悉市场的优势，又体现上级公司统一标准、严格筛选的要求；</p><p style='box-sizing: border-box;'><br></p></li><li style='box-sizing: border-box;'><p style='box-sizing: border-box;'>搭建由人力、业务、法务等多部门人员组成的综合性面试队伍，挑选既有专业知识能力、又有阅历资历的人员担任面试考官。<br style='box-sizing: border-box;'></p></li></ol></section></section></section></section><section style='text-align: right;justify-content: flex-end;font-size: 0px;margin: -3px 0% 5px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 60%;vertical-align: top;height: auto;box-sizing: border-box;'><section style='margin-top: 2px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgba(29, 131, 255, 0.57);height: 1px;box-sizing: border-box;line-height: 0;'><br></section></section></section></section><section style='margin: 2px 0% 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgba(29, 131, 255, 0.57);height: 1px;box-sizing: border-box;line-height: 0;'><br></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-top: 0.5em;margin-bottom: 0.5em;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;vertical-align: top;width: 0px;margin-top: 0.4em;border-left: 0.8em solid rgb(95, 156, 239);border-top: 0.8em solid rgb(95, 156, 239);border-right: 0.8em solid transparent !important;border-bottom: 0.8em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='display: inline-block;vertical-align: top;max-width: 80% !important;box-sizing: border-box;'><section style='margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='letter-spacing: 2px;line-height: 1.8;box-sizing: border-box;'><p style='box-sizing: border-box;'><span style='font-size: 17px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>险企应从4方面支持展业</strong></span><br style='box-sizing: border-box;'></p></section></section></section><section style='display: inline-block;vertical-align: bottom;width: 0px;margin-bottom: 0.3em;border-right: 0.8em solid rgb(95, 156, 239);border-bottom: 0.8em solid rgb(95, 156, 239);border-left: 0.8em solid transparent !important;border-top: 0.8em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='line-height: 2.5;letter-spacing: 2px;padding-right: 5px;padding-left: 5px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>《征求意见稿》还要求保险公司要从四方面支持“独立代理人”展业：</p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; font-size: 19px; box-sizing: border-box;' powered-by="xiumi.us"><section style='width: 2em;height: 2em;display: inline-block;margin: auto;border-width: 1px;border-style: solid;border-color: transparent;border-radius: 100%;background-color: rgb(55, 111, 188);padding-top: 0.25em;box-sizing: border-box;'><section style='width: 1.8em;height: 1.8em;margin-left: -0.05em;border-radius: 100%;background-color: rgb(255, 255, 255);text-align: center;font-size: 15px;line-height: 1.8em;color: rgb(55, 111, 188);box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>1</strong></p></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 16px;border-width: 0px;box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;border-left: 2px dashed rgb(160, 160, 160);border-bottom-left-radius: 0px;padding-left: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin: -30px 0% 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 15px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;font-size: 18px;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='margin-right: 0%;margin-bottom: 20px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='line-height: 2.5;letter-spacing: 2px;padding-right: 5px;padding-left: 5px;box-sizing: border-box;'><p style='box-sizing: border-box;'>杜绝层级利益，严格以业务品质和服务质量为根本建立佣金体系和考核制度。开发符合独立个人保险代理人特点的保险产品，科学设置首年佣金分配比例；</p></section></section></section></section></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; font-size: 19px; box-sizing: border-box;' powered-by="xiumi.us"><section style='width: 2em;height: 2em;display: inline-block;margin: auto;border-width: 1px;border-style: solid;border-color: transparent;border-radius: 100%;background-color: rgb(55, 111, 188);padding-top: 0.25em;box-sizing: border-box;'><section style='width: 1.8em;height: 1.8em;margin-left: -0.05em;border-radius: 100%;background-color: rgb(255, 255, 255);text-align: center;font-size: 15px;line-height: 1.8em;color: rgb(55, 111, 188);box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>2</strong></p></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 16px;border-width: 0px;box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;border-left: 2px dashed rgb(160, 160, 160);border-bottom-left-radius: 0px;padding-left: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin: -30px 0% 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 15px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;font-size: 18px;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='margin-right: 0%;margin-bottom: 20px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='line-height: 2.5;letter-spacing: 2px;padding-right: 5px;padding-left: 5px;box-sizing: border-box;'><p style='box-sizing: border-box;'>可以依法授权独立个人保险代理人从事保险产品销售、协助保险勘查和理赔等活动；有兼营代理其他保险公司保险业务资质的，可以授权独立个人保险代理代为办理；</p></section></section></section></section></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; font-size: 19px; box-sizing: border-box;' powered-by="xiumi.us"><section style='width: 2em;height: 2em;display: inline-block;margin: auto;border-width: 1px;border-style: solid;border-color: transparent;border-radius: 100%;background-color: rgb(55, 111, 188);padding-top: 0.25em;box-sizing: border-box;'><section style='width: 1.8em;height: 1.8em;margin-left: -0.05em;border-radius: 100%;background-color: rgb(255, 255, 255);text-align: center;font-size: 15px;line-height: 1.8em;color: rgb(55, 111, 188);box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>3</strong></p></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 16px;border-width: 0px;box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;border-left: 2px dashed rgb(160, 160, 160);border-bottom-left-radius: 0px;padding-left: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin: -30px 0% 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 15px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;font-size: 18px;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='margin-right: 0%;margin-bottom: 20px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='line-height: 2.5;letter-spacing: 2px;padding-right: 5px;padding-left: 5px;box-sizing: border-box;'><p style='box-sizing: border-box;'>有销售非保险金融产品资质的，可以授权独立个人保险代理人销售该非保险金融产品，但应符合监管部门相关规定；</p></section></section></section></section></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;'><section style='margin-right: 0%; margin-left: 0%; font-size: 19px; box-sizing: border-box;' powered-by="xiumi.us"><section style='width: 2em;height: 2em;display: inline-block;margin: auto;border-width: 1px;border-style: solid;border-color: transparent;border-radius: 100%;background-color: rgb(55, 111, 188);padding-top: 0.25em;box-sizing: border-box;'><section style='width: 1.8em;height: 1.8em;margin-left: -0.05em;border-radius: 100%;background-color: rgb(255, 255, 255);text-align: center;font-size: 15px;line-height: 1.8em;color: rgb(55, 111, 188);box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>4</strong></p></section></section></section><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 16px;border-width: 0px;box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;border-left: 2px dashed rgb(160, 160, 160);border-bottom-left-radius: 0px;padding-left: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin: -30px 0% 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 15px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;text-align: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;font-size: 18px;box-sizing: border-box;'><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section></section></section><section style='margin-right: 0%;margin-bottom: 20px;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='line-height: 2.5;letter-spacing: 2px;padding-right: 5px;padding-left: 5px;box-sizing: border-box;'><p style='box-sizing: border-box;'>帮助独立个人保险代理人办理个体工商户或个人独资企业工商登记，可以通过统一使用公司标识、统一对外命名或给予房租补助等方式支持独立个人保险代理人在社区商圈等地开设门店（工作室），并帮助争取享受个体工商户或小微企业等方面的税优政策。</p></section></section></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='line-height: 2.5;letter-spacing: 2px;padding-right: 5px;padding-left: 5px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>此外，《征求意见稿》还要求保险公司依法承担对独立个人保险代理人在授权范围内办理业务行为的法律责任，全面落实执业登记、销售能力资质分级、培训教育等监管要求，履行好系列管理职责。</p><p style='box-sizing: border-box;'><br></p><p style='box-sizing: border-box;'>以下为《征求意见稿》全文：<br></p><p style='box-sizing: border-box;'><br></p></section></section><p style='text-align: center;margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'><strong>关于保险公司发展</strong></span></p><p style='text-align: center;margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'><strong>独立个人保险代理人有关事项的通知</strong></span></p><p style='text-align: center;margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'><strong>（征求意见稿）</strong></span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'> </span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>各银保监局，各保险公司：</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>近年来，保险公司探索发展独立个人保险代理人取得积极成效。该模式着眼提高保险一线销售人员收入及稳定性、激发创新创业热情，着力破除组织层级、引导扎根社区乡镇，有利于推动保险营销体制变革和保险业高质量转型发展，有助于推动国家“大众创业、万众创新”及稳就业保就业工作。为引导保险公司规范有序发展独立个人保险代理人，经银保监会批准，现就有关事项通知如下：</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'><strong>一、保险公司要把握独立个人保险代理人定位</strong></span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（一）独立个人保险代理人是指与保险公司签订委托代理合同，不参加营销团队、自主独立开展保险销售的个人保险代理人。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（二）独立个人保险代理人必须破除组织层级，不得隶属任何保险营销团队，也不得发展保险营销团队，仅可以聘请少数人员从事协助投保、出单、售后管理等辅助性工作。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（三）独立个人保险代理人应按照代理销售的保险费直接计算佣金，不得给予组织增员利益等间接佣金。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（四） 独立个人保险代理人根据保险公司的授权代为办理业务的行为，由保险公司承担责任。独立个人保险代理人没有代理权、超越代理权或者代理权终止后以保险公司名义订立合同，使投保人有理由相信其有代理权的，该代理行为有效。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'><strong>二、保险公司要严格独立个人保险代理人条件标准</strong></span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（五）拟招用人员应诚实守信，具有良好品行和社会征信记录，未曾因贪污、受贿、侵占财产、挪用财产或者破坏社会主义市场秩序被判处刑罚，未曾因严重失信行为被国家有关单位确定为失信联合惩戒对象，最近三年内未曾被金融监管机构行政处罚。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（六）拟招用人员应具备大专以上学历，通过保险基本理论和保险产品知识专门培训及测试，从事保险工作5年以上者可放宽至高中学历。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（七）拟招用人员应有创业意愿和事业心，具有承担经营风险的意识和业务拓展能力。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'><strong>三、保险公司要规范独立个人保险代理人甄选机制</strong></span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（八）建立严格的道德品行、社会信用、学历水平、专业知识、工作经历、业务能力等方面的考察标准。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（九）建立清晰有序的甄选流程，至少设置基本信息审核、从业经历与诚信状况调查、职业性向测试、面试、岗前专业知识培训与合规教育、入职综合测评等环节，形成综合多元的评价体系。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（十）建立上下联动的筛选机制，采取多层面试、多轮面试、下级推荐上级决定等多种行之有效的方式，既充分发挥基层机构贴近熟悉市场的优势，又体现上级公司统一标准、严格筛选的要求。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（十一）搭建由人力、业务、法务等多部门人员组成的综合性面试队伍，挑选既有专业知识能力、又有阅历资历的人员担任面试考官。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'><strong>四、保险公司要支持独立个人保险代理人展业</strong></span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（十二）杜绝层级利益，严格以业务品质和服务质量为根本建立佣金体系和考核制度。开发符合独立个人保险代理人特点的保险产品，科学设置首年佣金分配比例。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（十三）可以依法授权独立个人保险代理人从事保险产品销售、协助保险勘查和理赔等活动；有兼营代理其他保险公司保险业务资质的，可以授权独立个人保险代理人代为办理。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（十四）有销售非保险金融产品资质的，可以授权独立个人保险代理人销售该非保险金融产品，但应符合监管部门相关规定。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（十五）帮助独立个人保险代理人办理个体工商户或个人独资企业工商登记，可以通过统一使用公司标识、统一对外命名或给予房租补助等方式支持独立个人保险代理人在社区商圈等地开设门店（工作室），并帮助争取享受个体工商户或小微企业等方面的税优政策。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'><strong>五、保险公司要加强独立个人保险代理人执业管理</strong></span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（十六）为独立个人保险代理人及时办理执业登记，对开设门店（工作室）等固定经营场所的人员，应在银保监会保险中介监管信息系统-独立个人保险代理人模块登记规定事项，规定事项发生变更的,应在5 个工作日内做好变更登记；对解除代理合同人员应及时注销执业登记，并督促注销工商营业执照、清除门店（工作室）的保险公司标识，及时做好保险服务转续。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（十七）严格执行销售能力资质分级要求，区分独立个人保险代理人销售能力资质，并综合考察独立个人保险代理人从业年限、业务能力、专业知识、学历状况、诚信记录等情况实行差别授权；授权不得超出公司的业务范围和经营区域。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（十八）建立专管员制度，定期对独立个人保险代理人门店（工作室）加强业务指导、开展常态化排查，切实防范异常行为和案件风险；制定独立个人保险代理人参与非法集资等不法活动的应急处置预案，加强风险管控能力。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'><strong>六、保险公司要督促独立个人保险代理人遵守业务行为规范</strong></span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（十九）制止独立个人保险代理人组建销售团队、变相成为保险专业中介机构、保险兼业代理机构或者保险公司分支机构。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（二十）引导独立个人保险代理人合理聘请辅助人员。聘请辅助人员不得超过5人，不得从事保险销售活动，不得设定保费业务标准和考核要求。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（二十一）建立独立个人保险代理人保险销售服务标准及日常行为规范，督促遵纪守法、合规展业，防范出现《中华人民共和国保险法》第一百三十一条、《保险代理人监管规定》第七十一至七十六条所列违法违规行为。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（二十二）管控独立个人保险代理人非保险金融产品销售行为，督促严格遵守《中国保监会关于严格规范非保险金融产品销售的通知》相关监管要求。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'><strong>七、切实加强监督管理</strong></span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（二十三）保险公司应在独立个人保险代理人事项正式启动后两个月内向银保监会书面报告；保险省级分公司应在发展首批独立个人保险代理人（15人以上）后20个工作日内，向当地银保监局书面报告。此后，保险总公司及保险省级分公司应在每月结束后10个工作日内，通过银保监会保险中介监管信息系统分别填报独立个人保险代理人业务数据。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（二十四）银保监会依托保险中介监管信息系统建立完善独立个人保险代理人从业信息公众查询服务体系，加强信息披露，对失信或者严重违法违规独立个人保险代理人强化社会公开。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（二十五）银保监会严查保险公司以独立个人保险代理人门店（工作室）方式变相设立分支机构、不履行独立个人保险代理人管控职责、虚假提供或者不按照要求提供业务报告文件资料等违法违规行为，依法追究保险公司及管理人员责任，并进一步采取相应监管措施。独立个人保险代理人引发群访群诉事件的，依法追究保险公司管控责任。</span></p><p style='margin: 5px 8px;line-height: 2em;'><span style='font-size: 16px;letter-spacing: 2px;'>（二十六）银保监会着力加强独立个人保险代理人执业行为监管，查实独立个人保险代理人违反法律法规和有关监管规定的，依法实行行业禁入等行政处罚和加强失信惩戒等监管措施；涉嫌犯罪的，依法移交公安机关查处。</span></p><section style='box-sizing: border-box;font-size: 16px;'><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='text-align: right;line-height: 2.5;letter-spacing: 2px;padding-right: 5px;padding-left: 5px;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>编辑 李梦溪</p></section></section><p>转载声明：本文转载自「中国银行保险报」，搜索「cbin-news」即可关注，[<a target="_blank" href="https://mp.weixin.qq.com/s/R_dXKV9qu7vmpwfTvpkWOg">阅读原文</a>]。</p></div><p></p>
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