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加强版互联网保险监管新规呼之欲出
2019-01-12

10月1日,实施三年的《互联网保险业务监管暂行办法》(以下简称《暂行办法》)已完成使命,互联网保险将面临新的监管政策。10月9日,北京商报记者从业内获悉,银保监会向业内发布通知称,正在加快《暂行办法》的修订工作。在新规出台以前,《暂行办法》继续有效。一位保险专家认为:“《暂行办法》很大程度上还是将互联网保险定位为新兴的销售渠道,因此需要修改,以进一步反映互联网保险的*新变化及其对监管的要求,为保险科技全面赋能保险业以及重塑新的保险生态创造良好的政策环境。”

新规已在路上

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,并已于近日向业内下发《关于继续加强互联网保险监管有关事项的通知》(以下简称《通知》)。

根据《通知》,银保监会正在积极推进互联网保险创新、改革和发展,促进互联网保险经营机构提高服务水平,继续提升监管能力,切实保护保险消费者合法权益。多位保险公司相关人士向北京商报记者表示:“公司已于近日收到相关通知,监管要求加强产品创新能力、风险管控能力、客户服务能力建设,认真落实互联网保险业务经营区域和信息披露有关要求,强化保险消费者合法权益保护,确保互联网保险业务合规经营。”

一位互联网保险中介相关负责人对北京商报记者称:“此文件并无特殊含义。只是因为2015年10月1日开始施行的《暂行办法》到期了,但新的规定仍在修订中,暂时没法出台,所以监管机构明确原来的《暂行办法》继续有效。”

自《暂行办法》发布以来,互联网保险业务持续健康发展,服务能力也不断增强。国务院发展研究中心金融研究所保险研究室副主任朱俊生认为:“《暂行办法》坚持发展与规范并重,支持和鼓励互联网保险创新,开展适度监管,并针对互联网业务各环节提出更为明确、具体的要求,为互联网保险行业的健康发展营造了良好的政策环境。”

经营资质成“香饽饽”

近年来,互联网保险快速发展,不仅让保费规模实现大的飞跃,监管对于经营互联网保险身份的明确也引来了资本介入,让互联网保险牌照成为资本争抢的对象。

数据显示,互联网保费收入2012年和2013年分别为110.7亿元、318.4亿元。2014年互联网保费收入达到859亿元,被称为互联网保险爆发前夜。2015-2016年,保费收入分别达到2234亿元、2347亿元。不过,由于保险行业整体保费下滑,2017年互联网保费出现下滑,同比下降21.83%,下滑至1835亿元。

在互联网保险保费规模快速做大的同时,互联网保险经营资质受到各路资本的青睐。这主要是原保监会在《暂行办法》中明确了第三方网络平台的业务边界,强化了其参与互联网保险业务的行为约束。如第三方网络平台可以为保险机构开展互联网业务提供辅助支持。若第三方网络平台参与了互联网业务的销售、承保、理赔等关键环节,则必须取得相应的保险业务经营资格。

监管政策的变化,给互联网保险中介带来机会。去年以来,互联网巨头蚂蚁、腾讯、百度先后进军保险中介领域,获得了经营互联网保险业务的资质。市场普遍认为,BAT将袭卷整个互联网保险市场。

“互联网保险已经发生了从渠道变革、场景创造到全面赋能的嬗变,并充分发挥技术的连接作用,开始构建产业体系为核心的生态化。” 朱俊生认为:互联网巨头积聚了大量的流量资源,拥有保险中介牌照有助于对已有资源再开发。实现增量服务与已有服务的融合,满足基于自身场景下的保险需求。通过保险中介,对接消费场景中客户的需求与保险公司的产品供给,从而有助于增加有效保险供给,使潜在的保险需求得到挖掘,可以进一步活跃保险市场。

网销产品有望进一步放闸

备受业内关注的是,《暂行办法》明确规定,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。此次银保监会在修订新的办法时,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。

北京商报记者注意到,在希望放开的险种中,业内呼声*高险种为“重疾险”。业内多认为,适时放开限制会使提供产品的主体更多,促进竞争以及相关险种的发展。但这也受到业内质疑的声音:“不建议放开重疾险和医疗险的区域限制。从客户服务能力上来说,客户在投保健康险类产品后会有较高的服务要求,需要保险公司为客户进行长期持续的服务,如放开在没有设立分公司的区域销售,在发生诸如理赔后的调查取证、投诉后的上门拜访等都无法保证服务品质和服务时效,容易引起客户不满,影响行业整体形象等问题。”

与此同时,普通型年金的销售区域也被期望放开。一位保险业内人士解释称:“因为普通型年金产品后期客户服务内容均可在线进行处理,如保全、年金领取、续期服务、退保等流程,国华人寿即已开发上线了全流程的在线客户服务系统,可满足年金类产品客户的后续服务需求,客户无须亲自到保险公司的分支机构办理。”

一位保险分析人士认为,普通型年金没有风险保额或风险保额极低,因此理赔调查流程可极为简化,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。普通型年金理赔频率较低,更降低了需要实地理赔调查的可能性。此外,普通型年金产品属于保障类产品,主要功能是财富积累和养老保障,充分体现了保险产品社会稳定器的功能,放开其销售区域限制有利于进一步提升互联网保险中保障类产品的比例,有利于保障类产品的长足发展,在互联网保险领域更好地体现“保险姓保”。(转载自搜狐财经网)


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