Many overseas insurance insured purge of illegal CIRC thoroughly illegal sales of Hongkong insurance-havd707

Many overseas insurance insurance CIRC purge of illegal illegal sales of Hongkong insurance We want you thoroughly! The first 2016 Chinese Potter Rockefeller award officially started! Fund, insurance, securities and other financial institutions ability to manage information, which is better? Please click on the vote to select the strongest organization in your mind! UnionPay international made a speech twice last weekend, reaffirming the importance of the use of UnionPay cards in overseas insurance businesses. At the same time, the insurance regulatory authorities are also involved in the thorough investigation and research work. Many overseas insurance against illegal insurance purge action is continuous. In recent years, the amount of foreign insurance purchased by mainland consumers, especially Hongkong insurance, has risen sharply, which has attracted much attention. According to the data from the insurance supervision department of Hongkong, the gross premium of the insurance industry in Hongkong was 207 billion 500 million Hong Kong dollars in the first half of 2016, an increase of 12.2% over the same period last year. Among them, the first half of 2016, Hongkong individual new single premium of 81 billion 500 million Hong Kong dollars. In the new individual premium of 81 billion 500 million Hong Kong dollars, the new single premium from mainland visitors amounted to HK $30 billion 100 million, the contribution ratio was as high as 36.9%, while the contribution ratio at the end of 2015, the end of 2014 and the end of 2013 was 24.2%, 21.4% and 16.1% respectively. According to China’s foreign exchange management system, mainland residents purchase overseas investment dividends insurance, belong to the financial and capital transactions, is not yet open project. In accordance with the requirements of regulatory policy, China UnionPay cards issued outside only for personal travel, consumer payment, shall not be used for the capital and financial account transactions, therefore, UnionPay cards can only be used in overseas travel accident and illness and other consumer related projects often can not buy insurance, with capital investment properties of life insurance. However, the recent UnionPay monitoring through merchant transactions, but found that some overseas insurance merchants exist single card, single merchant multi pen transaction volume surge. In order to further standardize the overseas insurance businesses accept domestic UnionPay card, recently, the International Union issued a "overseas insurance businesses accept UnionPay cards in compliance guidelines" (hereinafter referred to as the "guide" "), reiterated that the relevant regulatory requirements and business rules, ensure compliance within the territory of China UnionPay cards in overseas use. The International Union of interpretation of the relevant responsible person said, the "guide" of the current trial in the Hongkong area, suitable for the overseas insurance businesses accept domestic UnionPay card in the POS terminal, Internet, mobile payment and all other channels, the main contents include: first, domestic residents in the purchase of overseas travel accident, and consumer related diseases often project insurance you can use UnionPay card payment, insurance, other items prohibited the use of UnionPay card payment; two is the amount of consumption of overseas insurance businesses to strictly implement the provisions of the foreign exchange policy in a single transaction does not exceed $5000 or equivalent in other foreign currency restrictions; three is to strengthen the overseas acquiring institutions of insurance business management, including accurate set merchant category code to strengthen the business training and abnormal transaction monitoring, strengthen business inspection etc.. Prior to this, the China Insurance Regulatory Commission issued a notice on strengthening the supervision over illegal sale of insurance products in May this year, requiring both domestic consultation, financial management and protection

多方整肃违规投保境外保险 保监会摸底非法销售香港保险 We want you!2016首届中国波特菲勒奖评选正式开始!基金、保险、券商等金融机构资管能力孰优孰强?请点击【投票】,选出你心中的最强机构!   银联国际在上周末两度发声,重申境内银联卡在境外保险类商户合规使用的重要性。与此同时,保险监管部门也在进行相关摸底与调研工作。多方针对违规投保境外保险的整肃行动正在持续进行。   近年来,内地消费者购买境外保险尤其是香港保险的金额大幅攀升,引起多方关注。来自香港保险业监理处的数据显示,2016年上半年,香港保险业的毛保费总额为2075亿港元,同比上升了12.2%。其中,2016年上半年香港个人新单保费为815亿港元。在这815亿港元的个人新单保费中,来自内地访客的新单保费达301亿港元,贡献比高达36.9%,而2015年末、2014年末、2013年末的贡献比分别为24.2%、21.4%、16.1%。   按照我国外汇管理制度,内地居民购买境外投资分红类保险,属于金融和资本项下的交易,是尚未开放的项目。按照监管政策要求,境内发行的银联卡在境外仅可进行个人旅游、消费类支付,不得用于资本和金融项目交易,因此,银联卡在境外仅可用于与意外、疾病等旅游消费相关的经常项目保险,不能购买具有资本项目投资性质的人寿险。   但近期银联通过商户交易监测后却发现,部分境外保险类商户存在单卡单商户多笔交易量激增的情况。为进一步规范境外保险类商户受理境内银联卡,近日,银联国际发布了《境外保险类商户受理境内银联卡合规指引》(以下简称“《指引》”),重申相关监管要求及业务规则,保证境内银联卡在境外的合规使用。   银联国际相关负责人解读称,《指引》目前在香港地区试行,适用于境外保险类商户在POS终端、互联网、移动支付等所有渠道受理境内银联卡的情况,主要内容包括:一是境内居民在境外购买与意外、疾病等旅游消费相关的经常项目保险,可以使用银联卡支付,其他保险项目严禁使用银联卡支付;二是严格落实外汇政策规定的境外保险类商户单笔交易不超过5000美元或其他等值外币的消费金额限制;三是强化境外收单机构对保险类商户管理要求,包括准确设置商户类别码、加强商户培训及异常交易监控、强化商户检查等。   在此之前,保监会于今年5月发布《关于加强对非法销售境外保险产品行为监管工作的通知》,要求无论是境内咨询、理财、保险中介等机构还是个人,收受境外机构利益,在境内以产品说明会、理财高峰会、理财知识讲座等名义宣传、推介境外保险机构保险产品的行为,或者安排有意投保境外保险产品者赴境外投保的行为,构成促成交易而开展宣传、招徕的销售境外保险产品的行为,各保监局应依法予以查实、取缔和处罚。   为掌握非法推介、销售境外保险产品情况,保监会稽查局联合北京保监局近期实地走访了北京地区多家外资寿险公司和中介机构,摸底调研非法销售香港保险产品的相关情况。   从上海证券报独家获悉的摸底结果来看,保监部门在此次调研中发现,非法销售香港保险产品的参与主体鱼龙混杂,营销手法花样翻新;而且由于参与机构和人员构成复杂,大部分不具备保险中介经营资格,在一定程度上已扰乱了内地保险市场。 进入【新浪财经股吧】讨论相关的主题文章: