有你买的吗？90款被通报、4款被停售！涉中国人寿、上海人寿等！
<div class="wx_rich_media_content" id="jsWxContainer"><section style='text-align: center; line-height: 1.6em;' data-mpa-powered-by="yiban.io"><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; caret-color: red;'>11月18日</span></section><section data-role="outer" label="edit by 135editor"><section style='text-align: center; line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>中国银保监会人身险部发布</span></section><section style='text-align: center; line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'><strong style='caret-color: red;'><span style='background-color: rgb(55, 74, 174); color: rgb(255, 255, 255);'>《关于近期人身保险产品问题的通报》</span></strong></span></section><section style='text-align: center; line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>（以下简称《通报》）</span></section><section style='text-align: center; line-height: 1.6em;'><span style='color: rgb(0, 0, 0); caret-color: rgb(255, 0, 0); font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>就近期人身保险产品监管中</span></section><section style='text-align: center; line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'><strong><span style='caret-color: rgb(255, 0, 0); color: rgb(172, 29, 16);'>发现的典型问题进行通报</span></strong></span></section><section><section style='text-align: center; line-height: 1.6em;'><span class="wxart_image" wx-style='display:inline-block;vertical-align:inherit;'></span></section></section><section style='line-height: 1.6em;'><br></section><section style='line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>《通报》显示，共有24家人身险公司90款产品被点名通报，此次产品监管中，共有<strong><span style='color: rgb(172, 29, 16);'>3家公司的4款增额终身寿险</span></strong>被要求<strong><span style='color: rgb(172, 29, 16);'>立即停售</span></strong>，并进行<strong><span style='color: rgb(172, 29, 16);'>全面排查整改</span></strong>。</span></section><section style='line-height: 1.6em;'><br></section><section data-tools="135编辑器" data-id="120068"><section style='margin-right: auto; margin-left: auto; line-height: 1.6em;'><section style='display: flex;justify-content: center;'><section><section style='display: flex;justify-content: center;'><section style='flex-shrink: 0;display: flex;align-items: center;'><section style='box-sizing:border-box;width: 5px;height: 80%;background-color: #59c3f9;overflow: hidden;'><br></section></section><section style='border-width: 1px; border-style: solid; border-color: rgb(89, 195, 249); padding: 7px 15px; color: rgb(72, 140, 250); letter-spacing: 1.5px; box-sizing: border-box;'><span style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><strong data-brushtype="text">4款增额终身寿险产品停售</strong></span></section><section style='flex-shrink: 0;display: flex;align-items: center;'><section style='box-sizing:border-box;width: 5px;height: 80%;background-color: #59c3f9;overflow: hidden;'><br></section></section></section></section></section></section></section><section style='line-height: 1.6em;'><br></section><section><section style='line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>近期，随着增额终身寿险产品受到市场关注，<strong><span style='color: rgb(172, 29, 16);'>个别公司激进经营，行业恶性竞争现象有所抬头</span></strong>。</span></section><section style='line-height: 1.6em;'><br></section><section data-tools="135编辑器" data-id="119895"><section style='margin-right: auto; margin-left: auto; background-color: rgb(229, 248, 252); padding: 15px; box-sizing: border-box; line-height: 1.6em;'><section style='display: flex;align-items: center;'><section style='flex-shrink: 0;display: flex;'><section style='flex-shrink: 0;'><section style='box-sizing: border-box;width: 8px;height: 100%;background-color: rgb(43, 139, 207);overflow: hidden;'><br></section></section><section style='font-size: 16px;color: rgb(43, 139, 207);padding-right: 10px;padding-left: 10px;letter-spacing: 1.5px;box-sizing: border-box;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal;'><strong data-brushtype="text">《通报》显示</strong></span></section></section><section style='box-sizing:border-box;max-width: 100% !important;width: 100%;' data-width="100%"><section style='display: flex;justify-content: flex-end;margin-bottom: -8px;padding-right: 20px;box-sizing: border-box;'><section style='background-color: rgb(228, 248, 252);padding-right: 15px;padding-left: 15px;box-sizing: border-box;'><section style='box-sizing: border-box;width: 7px;height: 14px;border-left: 1px solid rgb(65, 151, 212);border-right: 1px solid rgb(65, 151, 212);overflow: hidden;transform: skew(-30deg);-webkit-transform: skew(-30deg);-moz-transform: skew(-30deg);-ms-transform: skew(-30deg);-o-transform: skew(-30deg);'><br></section></section></section><section style='box-sizing: border-box;width: 100%;border-top: 1px solid rgb(43, 139, 207);max-width: 100% !important;height: 1px;overflow: hidden;' data-width="100%"><br></section></section></section></section><section style='padding: 10px; margin-top: 10px; box-sizing: border-box;'><section data-autoskip="1" style='line-height: 1.75em; letter-spacing: 1.5px; color: rgb(68, 91, 106); background: transparent;'><section style='line-height: 1.6em;'><span style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><strong><span style='caret-color: red; background-color: rgb(68, 91, 106); color: rgb(255, 255, 255);'>弘康人寿</span></strong><span style='background-color: transparent; caret-color: red;'>、</span><strong><span style='caret-color: red; background-color: rgb(68, 91, 106); color: rgb(255, 255, 255);'>中华联合人寿</span></strong><span style='background-color: transparent; caret-color: red;'>共2款增额终身寿险，<strong><span style='background-color: transparent; caret-color: red; color: rgb(172, 29, 16);'>产品定价假设的附加费用率较实际销售费用显著偏低</span></strong>。</span></span></section><section style='line-height: 1.6em;'><br></section><section style='line-height: 1.6em;'><span style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><strong><span style='caret-color: red; background-color: rgb(68, 91, 106); color: rgb(255, 255, 255);'>小康人寿</span></strong>2款增额终身寿险，<strong><span style='color: rgb(172, 29, 16);'>利润测试的投资收益假设与经营实际情况存在较大偏差</span></strong>。</span></section><section style='line-height: 1.6em;'><br></section><section style='line-height: 1.6em;'><span style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'>银保监会人身险部已要求上述公司立即停止销售有关产品，并进行全面排查整改。</span></section></section></section></section></section><section style='text-align: center; line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>同时</span></section><section style='text-align: center; line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>银保监会人身险部要求</span></section><section style='text-align: center; line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>各公司自收到《通报》之日起</span></section><section style='text-align: center; line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'><strong><span style='color: rgb(172, 29, 16);'>立即开展增额终身寿险产品</span></strong></span></section><section style='text-align: center; line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'><strong><span style='color: rgb(172, 29, 16);'>专项风险排查工作</span></strong></span></section><section style='text-align: center; line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'><strong><span style='background-color: rgb(172, 29, 16); color: rgb(255, 255, 255);'>排查重点包括但不限于</span></strong></span></section><section style='letter-spacing: 2px;line-height: 1.5;box-sizing: border-box;'><section style='font-size: 18px;text-align: center;box-sizing: border-box;'><section style='box-sizing: border-box; line-height: 1.6em;'><span style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'></span></section></section></section><section data-tools="135编辑器" data-id="119902"><section style='margin-right: auto; margin-left: auto; line-height: 1.6em;'><section style='display: flex;justify-content: flex-end;margin-bottom: -8px;padding-right: 40px;box-sizing: border-box;'><section style='padding-right: 15px; padding-left: 15px; box-sizing: border-box;'><section style='box-sizing: border-box;width: 6px;height: 15px;border-left: 1px solid rgb(65, 151, 212);border-right: 1px solid rgb(65, 151, 212);overflow: hidden;transform: skew(30deg);-webkit-transform: skew(30deg);-moz-transform: skew(30deg);-ms-transform: skew(30deg);-o-transform: skew(30deg);'><br></section></section></section></section><section style='border-width: 1px;border-style: solid;border-color: rgb(43, 139, 207);padding: 10px;box-sizing: border-box;'><section data-autoskip="1" style='line-height: 1.75em; letter-spacing: 1.5px; color: rgb(68, 91, 106); background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;' data-role="list"><ul class="list-paddingleft-1" style='padding-left: 30px;'><li style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><section style='line-height: 1.6em;'>增额比例超过产品定价利率</section></li><li style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><section style='line-height: 1.6em;'>利润测试的投资收益假设超过公司近5年平均投资收益率水平</section></li><li style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><section style='line-height: 1.6em;'>产品定价的附加费用率假设明显低于实际销售费用等</section></li></ul></section></section><section><section style='box-sizing: border-box; width: 10%; height: 7px; background-color: rgb(229, 248, 252); overflow: hidden; line-height: 1.6em; max-width: 10% !important;'><br></section></section></section><section style='line-height: 1.6em;'><br></section><section style='line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>《通报》称，针对排查发现存在上述问题的产品，<strong><span style='color: rgb(172, 29, 16);'>应当立即停止销售</span></strong>，并按监管规定要求报送产品停售报告，并做好已销售保单的服务保障工作。此外，各公司应于2022年12月5日前报送增额终身寿险产品专项风险排查报告。</span></section><section style='line-height: 1.6em;'><br></section><section data-tools="135编辑器" data-id="120068"><section style='margin-right: auto; margin-left: auto; line-height: 1.6em;'><section style='display: flex;justify-content: center;'><section><section style='display: flex;justify-content: center;'><section style='flex-shrink: 0;display: flex;align-items: center;'><section style='box-sizing:border-box;width: 5px;height: 80%;background-color: #59c3f9;overflow: hidden;'><br></section></section><section style='border-width: 1px; border-style: solid; border-color: rgb(89, 195, 249); padding: 7px 15px; color: rgb(72, 140, 250); letter-spacing: 1.5px; box-sizing: border-box;'><span style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><strong data-brushtype="text">核查发现的主要问题</strong></span></section><section style='flex-shrink: 0;display: flex;align-items: center;'><section style='box-sizing:border-box;width: 5px;height: 80%;background-color: #59c3f9;overflow: hidden;'><br></section></section></section></section></section></section></section><section style='line-height: 1.6em;'><br></section><section style='line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>《通报》显示，<strong><span style='color: rgb(55, 74, 174);'>近期人身保险产品监管中发现的问题共涉及四大类</span></strong>，包括产品设计、产品条款表述、产品费率厘定及精算假设以及其他问题，多家公司被点名。</span></section><section style='line-height: 1.6em;'><br></section><section data-tools="135编辑器" data-id="120048"><section style='margin: 10px auto;'><section hm_fix="333:396"><section style='line-height: 1.6em;'><section style='display: flex;justify-content: space-between;align-items: flex-end;'><section style='display: flex;align-items: center;'><section style='background-color: #488cfa;'><section style='font-size: 16px;letter-spacing: 1.5px;color: #ffffff;padding: 6px 16px;box-sizing: border-box;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal;'><strong>1</strong></span></section></section><section style='font-size: 16px; color: rgb(72, 140, 250); padding-right: 6px; padding-left: 6px; box-sizing: border-box;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'><strong data-brushtype="text">产品设计问题主要有三类：</strong></span></section></section><section style='height: 0px;overflow: hidden;'><br></section></section></section><section style='padding-left: 15px;box-sizing: border-box;'><section style='background-color: #fafafa;padding: 25px 15px;box-sizing: border-box;'><section style='line-height: 1.75em; letter-spacing: 1.5px; background: transparent;'><section data-autoskip="1"><section data-role="list"><ul class="list-paddingleft-1" style='padding-left: 30px;'><li style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><section style='line-height: 1.6em;'>一是<strong><span style='color: rgb(72, 140, 250);'>保险责任范围不合理</span></strong>；如，<strong>国华人寿</strong>某意外伤害保险，保险责任包含急性病身故保险金，与意外伤害保险定义不符。<strong>中国人寿</strong>某医疗保险，保险责任免除条款包含慈善赠药，涉嫌加重投保人责任。<strong>渤海人寿</strong>某医疗保险，限定在指定医院完成全流程治疗且选用约定医疗材料才可获得赔付，涉嫌侵害消费者利益。</section><p><br></p></li><li style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><section style='line-height: 1.6em;'>二是<strong><span style='color: rgb(72, 140, 250);'>现金价值计算问题</span></strong>；如，<strong>华夏人寿</strong>某重大疾病保险，利润测试中退保率假设较高，存在长险短做风险。</section><p><br></p></li><li style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><section style='line-height: 1.6em;'>三是<strong><span style='color: rgb(72, 140, 250);'>产品设计异化</span></strong>；如，<strong>华夏人寿</strong>某重大疾病保险，利润测试中退保率假设较高，存在长险短做风险。</section></li></ul></section></section></section></section></section><section style='line-height: 1.6em;'><section style='display: flex;justify-content: space-between;align-items: flex-end;'><section style='display: flex;align-items: center;'><section style='background-color: #488cfa;'><section style='font-size: 16px;letter-spacing: 1.5px;color: #ffffff;padding: 6px 16px;box-sizing: border-box;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal;'><strong>2</strong></span></section></section><section style='font-size: 16px; color: rgb(72, 140, 250); padding-right: 6px; padding-left: 6px; box-sizing: border-box;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'><strong data-brushtype="text">产品条款表述问题主要包括：</strong></span></section></section><section style='height: 0px;overflow: hidden;'><br></section></section></section><section style='padding-left: 15px;box-sizing: border-box;'><section style='background-color: #fafafa;padding: 25px 15px;box-sizing: border-box;'><section style='line-height: 1.75em; letter-spacing: 1.5px; background: transparent;'><section data-autoskip="1"><section data-role="list"><ul class="list-paddingleft-1" style='padding-left: 30px;'><li style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><section style='line-height: 1.6em;'>一是<strong><span style='color: rgb(72, 140, 250);'>条款表述不合规</span></strong>；如，<strong>建信人寿</strong>某意外伤害保险，条款中的伤残程度评定标准缺少文号。<strong>东吴人寿</strong>8款意外伤害保险，条款中的伤残程度评定标准缺少发布机构和文号。<strong>华夏人寿</strong>某意外伤害保险，条款中关于具有管辖权的法院范围约定，与相关法律法规不符。<strong>幸福人寿</strong>2款产品，条款中关于犹豫期内解除合同的费用扣除相关表述不合规。<strong>上海人寿</strong>某终身寿险，条款中保额减保规则不明确。<strong>长城人寿</strong>某两全保险和3款增额终身寿险，条款中允许增加保额。</section><p><br></p></li><li style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><section style='line-height: 1.6em;'>二是<strong><span style='color: rgb(72, 140, 250);'>条款表述不合理</span></strong>；如，<strong>农银人寿</strong>某两全保险，条款中生存保险金申请材料包括生存证明，但未对生存证明的具体形式做出解释，涉嫌侵害消费者利益。<strong>和谐健康</strong>2款重大疾病保险，条款中等待期部分使用“疾病终末期阶段”描述；某医疗保险，条款中对“合理且必需”的注释不合理，易引发争议和理赔纠纷。<strong>弘康人寿</strong>某两全保险，条款中身故保险金申请材料要求不合理，涉嫌侵害消费者利益。<strong>长城人寿</strong>某两全保险和2款增额终身寿险，条款中允许变更被保险人，存在较大利率风险。<strong>泰康人寿</strong>某两全保险，条款中运用高等数学符号解释保险金额，不利于消费者阅读理解。</section><p><br></p></li><li style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><section style='line-height: 1.6em;'>三是<strong><span style='color: rgb(72, 140, 250);'>条款表述不严谨</span></strong>；如，<strong>长城人寿</strong>某两全保险，条款中满期保险金有类似利息表述,存在销售误导风险。</section></li></ul></section></section></section></section></section><section style='line-height: 1.6em;'><section style='display: flex;justify-content: space-between;align-items: flex-end;'><section style='display: flex;align-items: center;'><section style='background-color: #488cfa;'><section style='font-size: 16px;letter-spacing: 1.5px;color: #ffffff;padding: 6px 16px;box-sizing: border-box;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal;'><strong>3</strong></span></section></section><section style='font-size: 16px; color: rgb(72, 140, 250); padding-right: 6px; padding-left: 6px; box-sizing: border-box;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'><strong data-brushtype="text">产品费率厘定及精算假设问题主要包括：</strong></span></section></section><section><section style='box-sizing:border-box;width: 45px;height: 0px;overflow: hidden;'><br></section></section></section></section><section style='padding-left: 15px;box-sizing: border-box;'><section style='background-color: #fafafa;padding: 25px 15px;box-sizing: border-box;'><section style='line-height: 1.75em; letter-spacing: 1.5px; background: transparent;'><section data-autoskip="1"><section data-role="list"><ul class="list-paddingleft-1" style='padding-left: 30px;'><li style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><section style='line-height: 1.6em;'><strong><span style='color: rgb(72, 140, 250);'>产品定价不合理</span></strong>；如，<strong>合众人寿</strong>、<strong>中国人寿</strong>、<strong>农银人寿</strong>、<strong>民生人寿</strong>、<strong>和谐健康</strong>、<strong>长城人寿</strong>、<strong>信美相互人寿</strong>、<strong>渤海人寿</strong>共32款产品，利润测试的投资收益假设严重偏离公司投资能力和市场利率趋势，存在定价不足风险。</section><p><br></p></li><li style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><section style='line-height: 1.6em;'><strong><span style='color: rgb(72, 140, 250);'>费率厘定不合理</span></strong>；如，<strong>平安人寿</strong>、<strong>北大方正人寿</strong>共2款意外伤害保险，交费期包含2年交，存在假期交风险。<strong>信美相互人寿</strong>某养老年金保险，利润测试首年销售费用与定价假设差距较大。</section><p><br></p></li><li style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><section style='line-height: 1.6em;'><strong><span style='color: rgb(72, 140, 250);'>以及费率厘定或精算假设不合规</span></strong>；如，<strong>建信人寿</strong>、<strong>和谐健康</strong>、<strong>农银人寿</strong>共4款产品，存在预定附加费用率超过监管规定上限或个别年龄点收益超过定价利率。<strong>泰康人寿</strong>9款产品，精算报告中法定责任准备金评估未明确所选用的生命表。<strong>北大方正人寿</strong>某终身寿险，精算报告中法定责任准备金评估采用的生命表与《中国保监会关于使用〈中国人身保险业经验生命表（2010-2013）〉有关事项的通知》中的要求不一致。</section></li></ul></section></section></section></section></section><section style='line-height: 1.6em;'><section style='display: flex;justify-content: space-between;align-items: flex-end;'><section style='display: flex;align-items: center;'><section style='background-color: #488cfa;'><section style='font-size: 16px;letter-spacing: 1.5px;color: #ffffff;padding: 6px 16px;box-sizing: border-box;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal;'><strong>4</strong></span></section></section><section style='font-size: 16px; color: rgb(72, 140, 250); padding-right: 6px; padding-left: 6px; box-sizing: border-box;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'><strong data-brushtype="text">其他问题：</strong></span></section></section></section></section><section style='padding-left: 15px;box-sizing: border-box;'><section style='background-color: #fafafa;padding: 25px 15px;box-sizing: border-box;'><section style='line-height: 1.75em; letter-spacing: 1.5px; background: transparent;'><section data-autoskip="1"><section style='line-height: 1.6em;'><span style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'>包括<strong><span style='color: rgb(72, 140, 250);'>产品名称不合规</span></strong>、<strong><span style='color: rgb(72, 140, 250);'>产品报送材料不规范</span></strong>、<strong><span style='color: rgb(72, 140, 250);'>产品存在利益调整和宣传问题</span></strong>等。如，<strong>建信人寿</strong>某意外伤害保险，产品名称未包含公司名称。<strong>珠江人寿</strong>某两全保险是一款变更备案产品，未报送已经审批或备案的条款，存在报送材料不全的问题。<strong>华夏人寿</strong>某意外伤害保险，变更备案报送材料清单表公司未盖章。<strong>国联人寿</strong>某重大疾病保险，保险条款要素表未完整填写保险责任。<strong>招商仁和人寿</strong>某养老年金保险，通过调整降低产品前期的身故利益来贴补增加后期生存给付的利益，并在产品宣传时承诺超定价利率的长期高回报。</span></section></section></section></section></section></section></section></section><section data-tools="135编辑器" data-id="120068"><section style='margin-right: auto; margin-left: auto; line-height: 1.6em;'><section style='display: flex;justify-content: center;'><section><section style='display: flex;justify-content: center;'><section style='flex-shrink: 0;display: flex;align-items: center;'><section style='box-sizing:border-box;width: 5px;height: 80%;background-color: #59c3f9;overflow: hidden;'><br></section></section><p style='text-align: center; border-width: 1px; border-style: solid; border-color: rgb(89, 195, 249); padding: 7px 15px; color: rgb(72, 140, 250); letter-spacing: 1.5px; box-sizing: border-box;'><span style='font-size: 16px;font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;'><strong>人身保险监管部<br>将进一步加大监管力度</strong></span></p><section style='flex-shrink: 0;display: flex;align-items: center;'><section style='box-sizing:border-box;width: 5px;height: 80%;background-color: #59c3f9;overflow: hidden;'><br></section></section></section></section></section></section></section><section><section style='line-height: 1.6em;'><br></section><section style='line-height: 1.6em;'><span style='font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;'>近期，部分人身保险公司结合市场形势制定并提前布局2023年业务发展计划。为规范人身保险市场秩序，防止行业出现无序竞争，侵害消费者合法权益，人身保险监管部将进一步<strong><span style='color: rgb(172, 29, 16);'>加大监管力度</span></strong>，对于少数公司的销售误导、实际费用与精算假设严重偏差等违法违规行为，一经发现，<strong><span style='color: rgb(172, 29, 16);'>将依法对公司采取监管措施或行政处罚，并严肃追究有关人员责任</span></strong>。</span></section></section><section style='line-height: 1.5;box-sizing: border-box;'><section style='box-sizing: border-box;'><section style='box-sizing: border-box; line-height: 1.6em; text-align: center;'><font color="#c0c0c0" style='' size="1" face="微软雅黑">（<span style='text-align: left;'>来源：中国银行保险监督管理委员会官网、央视财经、证券时报</span>）</font></section><section style='box-sizing: border-box; line-height: 1.6em; text-align: center;'><img src="https://www.yewn.cn/data/attachment/forum/202211/18/154913y9itpippwis0829y.jpg"></section></section></section></section><section style='line-height: 1.6em;'><section style='display: none;'><br></section></section><p style='display: none;'><mp-style-type data-value="3"></mp-style-type></p></div> 借我借我一双慧眼吧。 都是一群骗子。 我没买
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