保险业适当性义务规范之明晰

The Necessity of Clarifying the Insurance Industry’s Suitability Obligation

适当性义务是金融消费者保护的重要制度。目前与保险业适当性义务有关的法律规范缺乏体系、内容零散,法律适用过程中大前提要素不明、小前提事实认定存有问题,不利于保险业适当性义务的实现。保险业是金融系统重要且特殊的组成部分,亟需对保险业适当性义务规范予以明晰。保险业中,投资型保险最早引入适当性义务的规定。投资型保险虽然具有证券性质,但考虑其本质,应将投资型保险划分至保险法范畴规范其适当性义务。结合适当性义务的立法目的、传统型保险的特点,传统型保险也亟需引入并明晰适当性义务的规范。应从了解客户、了解产品、推荐适当产品三个角度厘清保险业适当性义务的具体内涵,为法条适用提供参酌。

The suitability obligation is a crucial consumer protection law in the financial sector.The legal framework governing the insurance industry’s suitability obligation is currently fragmented and devoid of a system.The primary aspects of the requirement are not obvious in the application of law,and there are issues with determining minor premises,which are not favorable to the accomplishment.The insurance industry is a significant and unique component of the financial system,and it is critical to clarify the insurance industry’s suitability obligation.Investment-oriented insurance was the first to implement the suitability obligation in the insurance industry.Although investment-oriented insurance has the characteristics of securities,given its nature,investment-oriented insurance should be classified into the scope of insurance law to regulate its suitability obligation.Traditional insurance also needs to introduce and define the suitability obligation standards,given the legislative objective of the suitability obligation and the characteristics of traditional insurance.To provide discretion for the application of the law,the specific connotation of the insurance industry’s suitability obligation should be clarified from three perspectives:knowing your customer,knowing your product,and recommending appropriate products.