He Xun. Com invites celebrities from all walks of life to open columns to provide readers with interesting stories and insights. Please pay attention to the update. Click to enter the Liu Chunhua column. At present, the insurance industry is carrying out vigorous actions to crack down on misleading sales under the strict requirements of the regulatory authorities. Insurance companies are conducting full-process and all-round self-examination and self-correction from the aspects of sales qualification management, sales training management, publicity materials management, sales behavior management, customer return visit management, sales quality management and customer complaint management. The reason why the regulatory authorities attach so much importance to combating misleading sales is that misleading sales have threatened the sustained and healthy development of the insurance industry. As industry practitioners, they agree with it very much and actively arrange for its implementation. However, in insurance companies, what we need to seriously consider is what is the source of misleading insurance sales. Personal opinion: First, our cultural tradition lacks the spirit of contract: the core of the spirit of contract is freedom, equality and honesty. And we are superstitious about authority, despise rules, and emphasize that the ego obeys the ego; We don't take contracts seriously in our bones. We will abide by it if it is beneficial to ourselves, and we will not abide by it if it is unfavorable to ourselves. It is also easy to go to two extremes: life is worse than death, and everything is tolerated; Or "I am the world" and smash all the old worlds. The lack of contract spirit makes it impossible for both sides of the insurance contract to face the possible consequences of the insurance contract with a peaceful attitude in line with the principle of equality and good faith. The second root is determined by the current stage of social development: China's current stage of development is officially defined as the primary stage of socialism, and it has not yet stepped out of the primitive accumulation stage of capitalism in essence. The essential feature of primitive accumulation of capitalism is naked exploitation and oppression. Western capitalist countries completed primitive accumulation by plundering colonies and squeezing black slaves; China's completion of this primitive accumulation depends on the redistribution of socialist construction accumulation in the 30 years after liberation; Exploitation of cheap labor in China. At this stage of development, because of its pursuit of interests, it will inevitably lead to moral decay and lack of integrity, so there have been incidents of melamine, Sudan Red and other people killing for money, which are manifested in misleading sales in the insurance industry. From the above analysis, only by speeding up development, ending the current development stage as soon as possible and fully respecting individual rights can China truly solve the misleading problem of insurance sales from the root.