论可回溯管理制度对保险消费者权益的促进

On Promotion of the Traceable Management System on the Consumers' Rights

近日我国保监会颁布了《保险销售行为可回溯管理暂行办法》。可回溯管理制度旨在确保保险业健康发展,规范保险业销售误导难题。该制度的价值基础在于保障消费者知情权与实现保险消费者意思自治。该制度功能在于规范保险业者缔约行为、提高保险消费者消费理性及促进保险纠纷有效解决。其实施重点在于明确保险人为主要实施机构、明确销售人员缔约行为以及确保信息收集的合法性和有效性。总之,可回溯管理制度的实施在完善缔约信息环境、明确缔约流程、提升销售人员违法成本、为保险消费纠纷保留证据材料等方面对保险消费者权益保护具有重要促进作用。

Recently China Insurance Regulatory Commission has made new regulations to establish the traceable management system of insurance sales behavior.The regulations are made to guarantee the healthy development of insurance industry and reduce the damage of Sales mislead to the minimum point.The value basis of the regulations is to protect the right to know and the autonomy of will of Insurance consumer.With the Traceable management system,we could rectify and standardize the insurance market to promote the sound development of the insurance industry.The implementation of the system could not only promote rational consumption,but also apply foundation for settlement of insurance dispute and guarding insurance sales mislead.The insurer is required to fulfill the obligations on salesmen management and the insurer should be mainly responsible for the implementation.In a word,the traceable management system of insurance sales behavior will have an important role to play in consumer protection.