商业银行代理保险业务风险防范刍议

Discussion on Prevention of Risks in Insurance Agency Service Provided by Commercial Banks

近年来,受利益驱动影响,保险业与银行业的合作关系日趋密切,银行代理保险业务呈井喷式增长,在代理保险业务发展过程中,商业银行还存在经营机构不具备资格、欺诈误导、强制投保以及账外收付手续费等违规行为。分析商业银行代理保险业务在法律、产品、管理、操作等方面存在的风险,可以有针对性地提出风险防范的措施。

In recent years, the cooperation between insurance industry and banking industry is getting increasingly close driven by the pursuit of profits. The banks are providing more insurance agency service to customers. In this process there exist many infringments, for example, some banks providing the service are unqualified, they cheat or misguide customers, force customers to buy unnecessary insurance, or overcharge the service charge. This paper analyzes the possible risks in the aspects of law, product, management, operation, etc. in the insurance agency service provided by commercial banks and advances countermeasures in light of these risks.