Fake intermediary business-that is, the business originally from other sales channels, mainly direct sales group business, is transferred to an intermediary agency (insurance agency or brokerage company), and the insurance company pays the intermediary company the handling fee that the direct sales business cannot pay by means of transfer, and the intermediary company issues an invoice for the handling fee of intermediary business to the insurance company. Then the intermediary company will return the handling fee to the insurance company in cash after deducting a certain fee, and the insurance company will pay the returned fee to the relevant personnel engaged in direct selling business of the insured unit in cash. The business of fake salesmen is similar to this.

Unrealized expenses-that is, expenses incurred in fictitious business activities, and expenses incurred in a training in 500 yuan are paid to objects that cannot be paid through normal channels. The imaginary person is similar to this.

The reason why insurance companies do this is to win business through commercial bribery under the pressure of market competition. This practice is a serious violation of discipline and discipline, and it is the object of severe investigation and crackdown by the China Insurance Regulatory Commission.