Industry self-discipline to punish illegal acts does not violate national laws. The purpose of industry self-discipline is to implement self-discipline management and self-discipline punishment for member units, so as to urge and promote members to operate in compliance with the law. Its core is self-discipline and self-regulation. From the source of rights, industry self-regulatory organizations (mostly trade associations or trade associations) manage and punish their members from the transfer of their own rights; If there is no transfer of membership rights, there is no room for self-discipline. As for who to transfer, what kind of rights to transfer and how many rights to transfer, as long as it is within the scope permitted by law, it is ok. In a society ruled by law, it is the right of any social subject to exclude the interference of non-statutory institutions. Specific to the insurance industry, insurance companies have the right to exclude organizations other than statutory institutions from punishing their illegal acts. However, insurance companies can transfer this exclusion right to self-regulatory organizations and accept the management and punishment of industry self-regulatory organizations. This transfer is a free act of the subject of private law, which does not exclude the jurisdiction of public law; Respecting the autonomy of the subject of private law is the basic criterion for a society ruled by law to deal with the interactive relationship between political state and civil society, so it is not illegal for the industry to punish illegal acts by self-discipline. Gao Wen believes that the insurance industry in Jiangsu regards acts prohibited by law as violations of the self-discipline convention and allows these illegal acts to escape sanctions, which is a misunderstanding of industry self-discipline.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.