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互联网保险监管释放哪些信号
2019-01-12

  现行《互联网保险业务监管暂行办法》(以下简称《暂行办法》)实施三年已经到期,政策修订工作正悄然展开。10月18日,北京商报记者从业内**获悉,银保监会近日向原保监会机关各部门、各保监局下发《互联网保险业务监管办法(草稿)》征求意见的函(以下简称《征求意见稿》)。在此次《征求意见稿》中,银行类保险兼业代理机构可在其自营网络平台开展互联网保险业务成为一大亮点,放开销售区域的经营险种也增加了除长期护理保险和报销型医疗保险外的健康险、养老年金保险、税延养老保险等。

  银行兼业代理机构资格或放开

  北京商报记者了解到,当前,银保监会正在积极推进互联网保险监管各项工作,并已于9月30日向业内下发《关于继续加强互联网保险监管有关事项的通知》,原保监会2015年7月发布的《暂行办法》继续有效。

  根据银保监会此次发布的《征求意见稿》,互联网保险业务是指保险公司、保险中介机构依托互联网和移动通信等技术,通过自营网络平台、第三方网络平台等订立保险合同、提供保险服务的业务。除了保险公司和保险中介机构外,其他机构或个人不得经营互联网保险业务。而保险公司、保险中介机构的从业人员也不得以个人名义经营互联网保险业务。

  北京商报记者注意到,在此次《征求意见稿》中,银行类保险兼业代理机构可在其自营网络平台开展互联网保险业务成为一大亮点。但不得借助第三方网络平台开展互联网保险业务。

  一位保险公司互联网保险业务部负责人对北京商报记者表示:“目前在实践中,工、农、中、建、招、邮储等大型银(邮)兼业代理机构已经大量地通过自身互联网平台——网银、手机银行、银行官方网站销售保险产品。所以将银(邮)兼业代理机构纳入本办法存在促进、规范互联网保险业务发展的合理性与必要性。”

  “银(邮)兼业代理机构与专业中介机构在监管分类中都同样由银保监会中介监管机构监管;银(邮)兼业代理机构与专业中介机构在代理保险业务过程中也实际开展同类型业务,即互联网保险业务,所以在同一个监管机构监管下,也事实上开展同类型业务应当适用同样的监管原则与规则。基于银(邮)兼业代理机构已经在开展互联网保险代理业务过程中,形成了符合监管规定的流程、运营规则等,将银(邮)兼业代理机构纳入本办法管理范畴可以形成互联网保险代理监管的有效‘闭环’。”上述负责人认为。

  税延养老险销售区域有望扩大

  根据此前发布的《暂行办法》,意外险、定期寿险和普通型终身寿险可以在互联网销售方面突破经营区域限制。而此次银保监会在修订《征求意见稿》时,是否会放开其他险种的经营资格成为业内探讨的一大话题。

  北京商报记者了解到,在互联网保险可经营的产品和区域方面,《征求意见稿》要求,保险公司在具有相应内控管理能力且能满足客户服务需求的情况下,可将人身意外伤害保险、定期寿险和普通型终身寿险、除长期护理保险和报销型医疗保险外的健康险、养老年金保险、税延养老保险可在未设立分公司的省、自治区、直辖市经营的险种范围。

  与《暂行办法》相比,除长期护理保险和报销型医疗保险外的健康险、养老年金保险、税延养老保险均为新增加险种。此外,“投保人或被保险人为个人的家庭财产保险、责任保险、信用保险和保证保险”、“能够独立、完整地通过互联网实现销售、承保和理赔全流程服务的财产保险业务”等互联网保险业务经营区域也可扩展至未设立分公司的省、自治区、直辖市。

  一位保险业内人士分析认为,此次有望放开的“除长期护理保险和报销型医疗保险外的健康险、养老年金保险、税延养老保险”三类险种后期客户服务内容均可在线进行处理。如养老金领取、续期服务、退保等流程,客户无须亲自到保险公司的分支机构办理即可办理。理赔调查流程也极为简化,并可以将整个理赔流程放到线上,与客户联系和寄送资料也可以通过电话及邮寄处理。此外,上述三类保险理赔频率较低,降低了需要实地理赔调查的可能性。

  在互联网保险产品方面,银保监会要求:“保险公司应加强管理,选择适合互联**性的保险产品开展经营。保险公司应用互联网技术、数据分析技术等开发适应互联网经济需求的新产品,在保险条款、费率等方面可以与传统保险有所差别,但不得违反社会公德、保险基本原理及相关监管规定。”

  违规经营将面临处罚

  事实上,在原保监会发布《暂行办法》以来,互联网保险业务持续健康发展,服务能力也不断增强。但经营中所涉及违规、“打擦边球”的问题并不少见。

  如10月18日,就有互联网保险公司因为信息披露不符合相关规定以及误导宣传被银保监会督促整改。如泰康在线就因经营的“大病无忧宝”保险产品在支付宝平台的宣传页面内容,包括“不限病种,突破医保限制”、“不限用药”、“不限治疗方式”等,存在与该险种备案条款《泰康在线财产保险股份有限公司个人中高端医疗保险(2017版)条款》不相符的情况,违反了《暂行办法》而被银保监会责令全面排查整改,整改完成前不得继续销售该保险产品。

  百年人寿2017年11月1日开始销售“百年尊易保费用补偿医疗保险”(以下简称“尊易保”)产品,但截至2018年3月20日,该公司仍未将“尊易保”产品信息放在官方网站“互联网保险信息披露专栏”中,违反了《暂行办法》第九条被监管机构要求全面排查整改,在整改完成前不得继续销售相关保险产品。

  在此次的《征求意见稿》中,银保监会就对信息披露与广告宣传管理做了详细规定,如开展互联网保险业务的保险公司、保险中介机构,应在其官方网站等显著位置建立互联网保险信息披露专栏。另外,保险广告宣传内容还要与保险合同条款保持一致,不得错误解读监管政策,不得使用或者变相使用监管机构及其工作人员的名义或形象作商业宣传。

中国经济网(来源)

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Major Chinese biopharmaceutical company Hansoh Pharmaceutical Group Company Limited (Hanmori Pharmaceutical Group Co., Ltd., Hanso Pharmaceutical) and AI ) Atomwise, Inc., a leader in the field, announced the collaboration. The purpose of the collaboration is to design and discover potential drug candidates for a total of 11 private target proteins in multiple therapeutic areas.Atomwise and Hansoh Pharma scientific teams work closely together in each program. The combination of complementary expertise and technology has the potential to dramatically increase success rates and shorten schedules in drug discovery and clinical development.Dr. Aifeng Lyu, President of Jiangsu Hansoh Pharmaceutical Group Co., Ltd., a subsidiary of Hansoh Pharma, said: “Atomwise is the best partner for Hansoh Pharma to use AI technology to innovate and create diverse small molecule pipelines in oncology and other therapeutic areas. I am very impressed with the team and I believe that working together will provide a special opportunity to develop first-in-class and best-in-class therapeutics. "Dr. Abraham Heifets, CEO of Atomwise, said: “It is a great pleasure for us to partner with Chinese biopharmaceutical giant Hansoh Pharma. Hansoh Pharma shares our strong commitment to innovation and our mission to influence patient health globally.”Atomwise's world-class AI platform for structure-based drug design leads the way in finding hit compounds, selecting lead compounds from hit compounds, and optimizing lead compounds. Hansoh Pharma will contribute in its capacity in biological assays and medicinal chemistry, and will lead the subsequent preclinical and clinical development.Subject to the terms of the collaboration, Atomwise will receive revenue based on private technology fees, option exercise fees, royalties, and sublicenses and sales of assets created under the collaboration. Based on historical average sales of small molecule drugs, the overall potential value of this transaction for Atomwise may exceed the potential value of a hit drug if all projects succeed. Hansoh Pharma receives development and commercialization rights in all fields and regions.2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/404716/ will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://www.zenseegroup.com/forms/view/22113/

Akari Therapeutics, Plc, a biopharmaceutical company focused on innovative therapeutics to treat orphan autoimmune and inflammatory diseases where the complement (C5) and/or leukotriene (LTB4) systems are implicated, today announced that the U.S. Food and Drug Administration (FDA) has granted orphan drug designation for nomacopan for the treatment of bullous pemphigoid (BP).“BP, a severe blistering skin condition with no approved treatments, is an exciting therapeutic target for our lead drug candidate, nomacopan. It is also a disease of increasing prevalence due to an aging population and improving diagnosis,” said Clive Richardson, Chief Executive Officer of Akari Therapeutics. “Orphan drug designation for nomacopan is a major step forward for the program, positioning nomacopan for eligibility for an additional seven years of marketing exclusivity in BP if nomacopan is approved by the FDA. This news is in addition to the recent orphan drug designation received for our HSCT-TMA program.”The Company plans to release new safety and efficacy data from an ongoing Phase II trial with nomacopan in patients with BP at an oral presentation by Dr. Christian Sadik at the 28th European Academy of Dermatology and Venereology (EADV) Congress on October 10, 2019. In August, the Company announced new data demonstrating the synergistic benefits of nomacopan’s dual C5 and LTB4 inhibitory activity in pemphigoid disease, generated by Dr. Christian Sadik’s group at University of Lubeck, Germany, and published in the August 2019 edition of JCI Insight [link].Orphan drug designation by the FDA is granted to promote the development of drugs that target conditions affecting 200,000 or fewer U.S. patients annually and that are expected to provide significant therapeutic advantage over existing treatments. Orphan designation qualifies Akari for various benefits, including seven years of market exclusivity following marketing approval, tax credits on U.S. clinical trials, eligibility for orphan drug grants, and a waiver of certain administrative fees.2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/404716/ will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://www.zenseegroup.com/forms/view/22113/

China's leading biopharmaceutical company Hansoh Pharmaceutical Group Company Limited (" Hansen Pharmaceutical ") and drug discovery artificial intelligence (AI) Atomwise, Inc. (" Atomwise ") , a leader in the field, announced a collaborative design and discovery of potential drug candidates for up to 11 unexposed target proteins in a variety of therapeutic areas.Atomwise and Hansen Pharmaceutical's scientific team will work closely together in these projects. The combination of complementary expertise and technology is expected to significantly increase success and reduce timelines for drug discovery and clinical development.Dr. Lu Aifeng, President of Jiangsu Hansoh Pharmaceutical Group Co., Ltd., said: Hansen Pharmaceutical is committed to using AI technology to innovate and develop diverse small molecules in the field of cancer and other therapeutics. Atomwise is the right partner for Hansen Pharmaceuticals. We are very impressed with Atomwise's AI platform, capabilities and team. We believe that the two companies will have an excellent opportunity to develop similar and best-in-class therapeutic drugs. ."Dr. Abraham Heifets, CEO of Atomwise, said: "We are very excited to work with Hansen Pharmaceutical, China's leading biopharmaceutical company. Hansen Pharmaceuticals and we all have strong commitment to innovation and a common mission to influence the health of patients worldwide. ."The world-class AI platform for Atomwise structured drug design will guide efforts in hit discovery, accidental discovery to hit-to-lead selection, and optimization of lead compounds. Hansen Pharmaceuticals is committed to biological testing and pharmaceutical chemistry, as well as leading subsequent preclinical and clinical development activities.Under the terms of the partnership, Atomwise will receive undisclosed technology royalties, optional royalties, royalties, and subcontracting authorizations or revenue generated from the sale of the derivative assets. Based on the historical average turnover of small molecule drugs, the potential total value of all successful projects with Atomwise's transaction may exceed potential selling drugs. Hanson Pharmaceuticals will receive development and commercialization rights in all fields and geographies.2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/404716/ will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://www.zenseegroup.com/forms/view/22113/

WEDNESDAY, SEPTEMBER 11, 2019I-Mab Biopharma (I-Mab), a China and U.S.-based clinical stage biopharmaceutical company exclusively focused on the discovery and development of potential first-in-class and best-in-class biologics in immuno-oncology and autoimmune diseases announces the signing of a collaboration agreement with Shanghai Junshi Biosciences Co., Ltd (Junshi Biosciences), an innovation-driven biopharmaceutical company to evaluate the combination therapy of I-Mab's TJD5, a proprietary innovative CD73 antibody with Junshi Biosciences' Toripalimab (Trade name: Tuoyi), a recombinant humanized anti-PD-1 monoclonal antibody in patients with cancers in China.Dr. Jingwu Zang, Founder and Chairman of I-Mab, commented, "TJD5 is an innovative CD73 antibody with best-in-class potential that has entered into Phase I trial in the US. We are very pleased to collaborate with Junshi to explore the clinical synergies with Toripalimab which is an innovative drug with distinctive treatment advantages. We are looking forward to bringing more clinical benefits to patients across various cancer types."Dr. Ning Li, CEO of Junshi Biosciences, commented, "As an anti multi-tumor drug, toripalimab has shown good safety and efficacy in clinical trials with mono and combination therapy. We believe, through the cooperation with I-Mab, we could continue to explore the combination potential of toripalimab and innovative drugs to improve the outcomes of immune-oncology therapy, lightening hope for more patients.2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/404716/ will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://www.zenseegroup.com/forms/view/22113/

TUESDAY, SEPTEMBER 10, 2019ProBioGen AG, a premier service and technology provider for complex therapeutic antibodies and glycoproteins, today announced the closing of a license agreement with Bayer AG for the  GlymaxX® Technology. Under the terms of the agreement, Bayer will leverage the technology to further increase the potency of an undisclosed antibody candidate for oncological indications.ProBioGen’s proven antibody-dependent cellular cytotoxicity (ADCC) enhancing technology GlymaxX® will be applied during cell line development.“We are glad to add Bayer to our list of licensees”, says ProBioGen’s Chief Executive Officer Dr. Wieland Wolf. “The GlymaxX® technology is clinically proven and is a very flexible technology which is liked by all cell lines.”About ProBioGen AGProBioGen is a premier, Berlin-based specialist for developing and manufacturing complex therapeutic antibodies and glycoproteins. Combining both state-of-the-art development services, based on ProBioGen’s CHO.RiGHT™ expression and manufacturing platform, together with intelligent product-specific technologies yields biologics with optimized properties.Rapid and integrated cell line and process development, comprehensive analytical development and following reliable GMP manufacturing is performed by a highly skilled and experienced team.All services and technologies are embedded in a total quality management system to assure compliance with international ISO and GMP standards (EMA/FDA).ProBioGen was founded 1994, is privately owned, and located in Berlin, Germany.About GlymaxX®The GlymaxX® technology, developed by ProBioGen, prevents the cellular synthesis of the sugar “fucose” and hence, in antibody-producing cells, its addition to the N-linked carbohydrate part of the antibody. The absence of fucose is known to greatly enhance ADCC. The GlymaxX® technology is based on the stable introduction of a gene for an enzyme which blocks the producer cells’ fucose biosynthesis pathway. As a unique feature, differentiating it from other approaches, GlymaxX® can be applied to both novel or already existing antibody producer cell lines, and entire antibody expression and discovery platforms, without negatively affecting their productivity or other product characteristics.Furthermore, a single GlymaxX® cell line can be flexibly used to produce differently fucosylated products, depending on the upstream process: In fucose-free medium the antibody is quantitatively afucosylated. The same GlymaxX® cell line grown in fucose-containing medium however, uses the provided fucose and produces fully fucosylated antibody. Thus, a GlymaxX® cell line can by employed to produce different products: For instance ADCC-enhanced GlymaxX® antibodies or wildtype-like, fully fucosylated mAbs, for a parallel Antibody-Drug-Conjugate (ADC) project.Finally, GlymaxX® has been used by biosimilar-developing companies to adjust a specific content of fucose in order to match the originators glycoprofile. Overall, GlymaxX® is simple, rapid, potent, and universally applicable to different CHO hosts and all other eukaryotic cell species.ProBioGen offers its GlymaxX® technology royalty-free and non-exclusively as a service or as an individual license.2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/404716/ will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://www.zenseegroup.com/forms/view/22113/

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