The core of the Notice of the General Office of the China Banking Regulatory Commission on Doing a Good Job in Rectifying the Banking Insurance Agency Business is to encourage the banking insurance agency to explore the remote dual-recording system. Specifically, if a bank insurance agency sells life insurance products through online and offline integration, it can explore the implementation of remote synchronous audio and video recording. The Consumer Protection Committee is a part-time insurance institution of the bank, which will be responsible for guiding the establishment of the bank's remote double-recording system and supervising the effectiveness of the system implementation.
Remote double recording should meet the following requirements: in principle, it should meet the regulatory requirements of on-site synchronous recording and video recording, and strengthen quality inspection to ensure the quality of audio-visual materials; The requirement that the salesperson and the insured are displayed in the same frame in the on-site synchronous audio and video recording can be temporarily exempted; When the applicant transcribes the risk warning statement of the insurance application and signs it for many times, he can click to confirm that he has read the risk warning statement of the insurance application. The first signature is handwritten, and the rest are handwritten. Sales personnel should implement long-distance double recording in the bank business premises. If the bank insurance agency fails to meet the above conditions, it shall not carry out remote double recording.
Banking insurance institutions and insurance companies should attach great importance to the standardized operation of insurance agency business, improve the system and mechanism, increase technical input, effectively standardize sales behavior and protect the legitimate rights and interests of consumers.
laws and regulations
Article 2 of the Interim Provisions on the Administration of Audio and Video Recordings in Sales Areas of Banking Financial Institutions (hereinafter referred to as "double recording" in these Provisions) means that banking financial institutions should implement the management of "double recording" in special areas when they sell their own wealth management products (hereinafter referred to as their own wealth management products) and wealth management products issued by cooperative institutions (hereinafter referred to as consignment products) in their business premises, that is, they should set up sales areas and install electronic systems in the sales areas.
Banking financial institutions can decide whether to be included in the "double record" management of the special zone according to the actual situation.