How to punish the false expenses of insurance?

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.

Measures of China Insurance Regulatory Commission on Punishment of Illegal Intermediary Business of Insurance Companies

Article 18 An insurance company and its staff shall not fabricate false intermediary business, personal insurance agent information, allocate intermediary business expenses falsely, and prepare or provide false intermediary business reports, statements, documents and materials in other ways.

Article 21 If an insurance company commits one of the acts specified in Article 18 of these Measures, it shall be ordered by the China Insurance Regulatory Commission to make corrections, and be fined between 654.38 million yuan and 500,000 yuan; If the circumstances are serious, its business scope may be restricted, and it may be ordered to stop accepting new business or revoke its business license. The directly responsible person in charge and other directly responsible personnel shall be given a warning by the China Insurance Regulatory Commission, and a fine of 65,438+10,000 yuan or more and 65,438+10,000 yuan or less shall be imposed; If the circumstances are serious, the post-holding qualification or employment qualification shall be revoked, and the relevant responsible personnel shall be prohibited from engaging in the insurance industry for a certain period of time until life.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.