摘要
提升保险产品适合性是保险学界关注的重要问题,保险公司的产品开发管理直接影响保险消费者能否购买到合适产品。针对保险产品开发管理,我国《保险法》要求保险公司建立精算报告和合规报告制度,并由监管机构审批保险公司设计的保险条款和保险费率。然而保险产品开发过程复杂,现有的监管制度不足以保证保险消费者购买到合适的保险产品。结合域外法律规制的经验,我国保险公司应该通过建立科学有效的产品开发管理机制,对适合该保险产品的客户以及销售方式统筹安排,以书面文件形式提交监管部门统一审批。
Improving the suitability of insurance products is an important issue which needs to be solved.The ability of insurance companies to manage the product directly affects suitability of products.As for insurance product management,Chinese Insurance Law requires insurance companies to establish an efficient reporting systems.The authority needs to approve terms and rates of the insurance contract which are designed by insurance companies before products entering into the market.However,the process of insurance product development is complex,and the existing governance system cannot ensure that consumers purchase the insurance products they need.In light of overseas legislation,Chinese insurance companies should establish a scientific and effective product governance arrangement mechanism and submit a written document which includes the key information to authority for approval in order to help customers getting suitable insurance products.
作者
胡雅心
Hu Yaxin(Zhongnan University of Economics and Law,Wuhan 430073,China)
出处
《湖北警官学院学报》
2022年第6期150-159,共10页
Journal of Hubei University of Police
关键词
保险产品适合性
消费者保护
风险评级
产品开发管理
重要信息文件审批
Suitability
Consumer Protection
Risk Evaluation
Product Governance Arrangement
Approval of Key Information Documents
