The main reason why insurance companies often use insurance intermediaries to obtain funds is that insurance intermediaries have loopholes to drill. Taking the above-mentioned xx agent as an example, the regulatory authorities said that there were some problems in its financial management, such as using invoices inconsistent with the actual situation to offset expenses, using invoices from other units for reimbursement, incomplete financial vouchers, statements inconsistent with the real business situation of the company, and untrue data. In the name of exhibition expenses and operating expenses, the company pays related expenses to the personal accounts of insurance company staff by transfer, which is mainly used to pay the insured, business introducer and unqualified agency, with a cumulative amount of XX million yuan.
Insiders pointed out that although insurance regulators have intensified their crackdown in recent years, illegal acts between insurance companies and insurance intermediaries have been repeatedly banned, and the "firewall" has repeatedly failed. The main reason is that some institutions or individuals are driven by interests. For their own self-interest, they try their best to exploit the loopholes in supervision. There are indeed loopholes in the policies and internal control of insurance companies, making individual personnel profitable.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.