上(shang)證(zheng)報中國證(zheng)券網訊（記者(zhe) 韓宋輝(hui)）近(jin)日，中國銀保(bao)(bao)監會(hui)打(da)擊(ji)非(fei)法(fa)金融活動局（下稱打(da)非(fei)局）在《保(bao)(bao)險(xian)(xian)業(ye)風險(xian)(xian)觀察》上(shang)撰文(wen)稱，近(jin)年來，經濟社會(hui)不斷發展和(he)保(bao)(bao)險(xian)(xian)需求持續釋放(fang)為保(bao)(bao)險(xian)(xian)市場帶來了新(xin)的發展機遇(yu)。與此同時(shi)，非(fei)法(fa)商業(ye)保(bao)(bao)險(xian)(xian)活動也借勢(shi)抬(tai)頭，出(chu)現(xian)了很多新(xin)情況、新(xin)問題，特別是互聯網化(hua)使得非(fei)法(fa)商業(ye)保(bao)(bao)險(xian)(xian)活動傳播范圍更(geng)(geng)(geng)廣、速度(du)更(geng)(geng)(geng)快、規制難度(du)更(geng)(geng)(geng)大。

　　打(da)非(fei)局調查發(fa)現，非(fei)法商業(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)活動主要(yao)涉及未經(jing)批準開展保(bao)(bao)(bao)(bao)險(xian)(xian)業(ye)務或設立保(bao)(bao)(bao)(bao)險(xian)(xian)機構、變相經(jing)營(ying)保(bao)(bao)(bao)(bao)險(xian)(xian)中介業(ye)務、以“保(bao)(bao)(bao)(bao)險(xian)(xian)”為名虛假(jia)宣傳銷(xiao)售、偽造銷(xiao)售假(jia)保(bao)(bao)(bao)(bao)險(xian)(xian)單(dan)證和非(fei)法銷(xiao)售境外保(bao)(bao)(bao)(bao)險(xian)(xian)產品等行為。此外，最近一段時(shi)期野蠻(man)生長(chang)的(de)(de)網絡互助(zhu)平臺，本質上具(ju)有(you)商業(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)的(de)(de)特征，但目前沒有(you)明確的(de)(de)監(jian)管(guan)(guan)主體(ti)和監(jian)管(guan)(guan)標準，處(chu)于無人監(jian)管(guan)(guan)的(de)(de)尷(gan)尬境地。面(mian)對新形勢(shi)、新要(yao)求，需(xu)要(yao)適時(shi)完(wan)善保(bao)(bao)(bao)(bao)險(xian)(xian)監(jian)管(guan)(guan)政策(ce)和監(jian)管(guan)(guan)技術，及時(shi)、準確打(da)擊非(fei)法商業(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)活動，保(bao)(bao)(bao)(bao)障保(bao)(bao)(bao)(bao)險(xian)(xian)市場健康穩定發(fa)展，切實維護保(bao)(bao)(bao)(bao)險(xian)(xian)消費者合法權益。

　　對此，打非局(ju)提出了四(si)點政策建議及工作措施。

　　一(yi)是建立健全(quan)打擊非法商(shang)業(ye)(ye)(ye)保(bao)險(xian)活(huo)動(dong)工作(zuo)聯系機制。非法商(shang)業(ye)(ye)(ye)保(bao)險(xian)活(huo)動(dong)涉及產(chan)險(xian)、壽險(xian)、中介各業(ye)(ye)(ye)務板塊，相互交織，跨行(xing)業(ye)(ye)(ye)、跨地(di)域，量大(da)面廣(guang)、專(zhuan)(zhuan)業(ye)(ye)(ye)性(xing)強，發現難、認定(ding)難、處(chu)(chu)置難，必須齊抓共管、協同聯動(dong)。地(di)方政府(fu)要(yao)發揮貼(tie)近一(yi)線(xian)、手段豐富等(deng)優勢，牽頭對轄區的非法商(shang)業(ye)(ye)(ye)保(bao)險(xian)活(huo)動(dong)進(jin)行(xing)打擊處(chu)(chu)置，切(qie)實維護社會穩定(ding)；行(xing)業(ye)(ye)(ye)金融(rong)監管部(bu)門派(pai)出機構要(yao)發揮業(ye)(ye)(ye)務專(zhuan)(zhuan)長(chang)，積極(ji)做好配合工作(zuo)，共同構建起監測預警、查(cha)處(chu)(chu)取(qu)締和(he)善(shan)后處(chu)(chu)置的工作(zuo)聯系機制。

　　首先，多渠(qu)道監(jian)(jian)測(ce)預(yu)(yu)警。地方(fang)(fang)政府在運用大(da)數據(ju)等(deng)(deng)信(xin)息技術手段(duan)建(jian)立健全非法(fa)金融活(huo)(huo)動(dong)監(jian)(jian)測(ce)預(yu)(yu)警體系的過程中(zhong)，應充(chong)分發揮(hui)網格化管理和基層(ceng)群(qun)眾(zhong)自治(zhi)的優(you)勢，把(ba)對非法(fa)商業保(bao)險活(huo)(huo)動(dong)的監(jian)(jian)測(ce)預(yu)(yu)警納入其(qi)中(zhong)。銀保(bao)監(jian)(jian)會系統(tong)以建(jian)設國家非法(fa)金融活(huo)(huo)動(dong)監(jian)(jian)測(ce)預(yu)(yu)警平臺為(wei)核心(xin)，要促(cu)進各(ge)地方(fang)(fang)、各(ge)部門實現信(xin)息資源(yuan)整合，加強(qiang)對非法(fa)商業保(bao)險活(huo)(huo)動(dong)的監(jian)(jian)測(ce)預(yu)(yu)警，同(tong)時(shi)利用投訴、信(xin)訪(fang)、舉報等(deng)(deng)方(fang)(fang)式多渠(qu)道獲(huo)取風險線索(suo)。

　　其次，依法查(cha)處(chu)(chu)取締(di)。地方金融監(jian)管(guan)局(ju)發揮牽頭作用，加強與(yu)銀(yin)保監(jian)、市場監(jian)管(guan)、公(gong)安(an)、網信(xin)、信(xin)訪等部(bu)門協(xie)作配合和(he)信(xin)息(xi)共享(xiang)，對涉嫌非(fei)法商業(ye)保險(xian)(xian)活(huo)動(dong)相關線索開展調(diao)查(cha)取證和(he)性(xing)質認定(ding)，對擅自設立保險(xian)(xian)機(ji)構、從事非(fei)法商業(ye)保險(xian)(xian)業(ye)務的，及時查(cha)處(chu)(chu)取締(di)。對跨(kua)業(ye)務跨(kua)地域(yu)的重大(da)非(fei)法商業(ye)保險(xian)(xian)活(huo)動(dong)風險(xian)(xian)或(huo)案件，在(zai)(zai)認定(ding)、查(cha)處(chu)(chu)中(zhong)存在(zai)(zai)困難的，地方金融監(jian)管(guan)局(ju)商屬(shu)地銀(yin)保監(jian)局(ju)等部(bu)門提(ti)出(chu)初步定(ding)性(xing)處(chu)(chu)理意見后(hou)，視(shi)情提(ti)交金融委(wei)辦(ban)公(gong)室地方協(xie)調(diao)機(ji)制協(xie)調(diao)處(chu)(chu)理。

　　最(zui)后(hou)(hou)，穩妥善(shan)后(hou)(hou)處置(zhi)。地(di)方政府(fu)應認真落(luo)實屬地(di)風(feng)險(xian)處置(zhi)責任，組織(zhi)轄內宣傳(chuan)、網信(xin)等部(bu)門積極(ji)做好(hao)輿情管控引導、資產處置(zhi)、信(xin)訪維穩等工(gong)作，切實維護社(she)會大(da)局穩定。

　　二是充分(fen)發(fa)(fa)揮保(bao)(bao)(bao)(bao)(bao)險(xian)行(xing)(xing)(xing)業(ye)(ye)(ye)協(xie)(xie)會和保(bao)(bao)(bao)(bao)(bao)險(xian)機構的作(zuo)用(yong)。要充分(fen)發(fa)(fa)揮保(bao)(bao)(bao)(bao)(bao)險(xian)行(xing)(xing)(xing)業(ye)(ye)(ye)協(xie)(xie)會服務行(xing)(xing)(xing)業(ye)(ye)(ye)、教育宣(xuan)傳和行(xing)(xing)(xing)業(ye)(ye)(ye)自律等優勢，進一步規范保(bao)(bao)(bao)(bao)(bao)險(xian)市場(chang)行(xing)(xing)(xing)為。在打擊非法(fa)商業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)活動(dong)中，保(bao)(bao)(bao)(bao)(bao)險(xian)行(xing)(xing)(xing)業(ye)(ye)(ye)協(xie)(xie)會要組(zu)織會員(yuan)公司(si)開展全方位、多角度的風險(xian)排查，及(ji)時發(fa)(fa)現(xian)、及(ji)時報告；積極(ji)與地方金融監(jian)管、公安司(si)法(fa)、工商網監(jian)等部門加(jia)強溝通(tong)協(xie)(xie)作(zuo)，獲取對打擊工作(zuo)的支持幫助；加(jia)大資源投入，協(xie)(xie)助研究建立(li)行(xing)(xing)(xing)業(ye)(ye)(ye)高(gao)風險(xian)客戶(hu)信息數據庫及(ji)高(gao)風險(xian)從業(ye)(ye)(ye)人員(yuan)信息數據庫，加(jia)強與監(jian)管部門、公安機關的信息共享(xiang)；建立(li)專項資金，用(yong)于舉報獎勵、專業(ye)(ye)(ye)培訓、警示宣(xuan)傳等活動(dong)。

　　保險(xian)(xian)(xian)公司作(zuo)為保險(xian)(xian)(xian)活(huo)動(dong)的參與主(zhu)(zhu)體，必(bi)須落實自身風(feng)險(xian)(xian)(xian)防控(kong)主(zhu)(zhu)體責(ze)任(ren)，積極(ji)主(zhu)(zhu)動(dong)開(kai)(kai)展非(fei)法商業保險(xian)(xian)(xian)活(huo)動(dong)風(feng)險(xian)(xian)(xian)識別研判(pan)。一方(fang)面(mian)梳理經營管(guan)理風(feng)險(xian)(xian)(xian)點，完(wan)善內控(kong)制度，加強責(ze)任(ren)追究(jiu)，堅決杜(du)絕與各類非(fei)持(chi)牌(pai)機構或個(ge)人合(he)作(zuo)開(kai)(kai)展任(ren)何(he)保險(xian)(xian)(xian)業務，斬斷非(fei)法商業保險(xian)(xian)(xian)活(huo)動(dong)風(feng)險(xian)(xian)(xian)向(xiang)持(chi)牌(pai)機構的傳(chuan)遞。另一方(fang)面(mian)充分發揮專(zhuan)業判(pan)斷能(neng)力，及時(shi)發現并向(xiang)監(jian)管(guan)部門(men)報(bao)告損害行業利(li)益(yi)、危害行業聲譽(yu)的一切非(fei)法商業保險(xian)(xian)(xian)活(huo)動(dong)，涉嫌違(wei)法犯罪(zui)線(xian)索及時(shi)向(xiang)公安機關(guan)報(bao)告，并積極(ji)配合(he)監(jian)管(guan)部門(men)或公安機關(guan)開(kai)(kai)展調查取(qu)證和案件偵(zhen)辦。

　　三是努力提(ti)升宣傳(chuan)(chuan)(chuan)教(jiao)育的針對性有效性。首(shou)先，宣傳(chuan)(chuan)(chuan)工作(zuo)(zuo)常態化(hua)，將打擊(ji)非法商業保(bao)險(xian)(xian)活動宣傳(chuan)(chuan)(chuan)工作(zuo)(zuo)納(na)入(ru)銀(yin)保(bao)監(jian)局、行(xing)業協會(hui)、保(bao)險(xian)(xian)機(ji)構的日(ri)常工作(zuo)(zuo)，利(li)用各種(zhong)宣傳(chuan)(chuan)(chuan)平臺(tai)，不間(jian)斷發(fa)布(bu)警(jing)示信(xin)息，做到警(jing)鐘長鳴，強化(hua)保(bao)險(xian)(xian)消費(fei)者(zhe)和從業人員的風(feng)險(xian)(xian)防范意識。其次，宣傳(chuan)(chuan)(chuan)手段多樣化(hua)，利(li)用電(dian)(dian)臺(tai)、報紙(zhi)、電(dian)(dian)視等傳(chuan)(chuan)(chuan)統(tong)媒體，網(wang)絡、微博、微信(xin)等新(xin)媒體，海(hai)報、專欄、電(dian)(dian)子屏(ping)等窗口平臺(tai)，擴大宣傳(chuan)(chuan)(chuan)工作(zuo)(zuo)的覆(fu)蓋(gai)面。最后，宣傳(chuan)(chuan)(chuan)內容(rong)通(tong)俗(su)化(hua)，持續發(fa)布(bu)通(tong)俗(su)易懂的宣傳(chuan)(chuan)(chuan)信(xin)息，講述老百(bai)姓(xing)身邊的風(feng)險(xian)(xian)案例，提(ti)高保(bao)險(xian)(xian)消費(fei)者(zhe)和保(bao)險(xian)(xian)從業人員的認知度和識別度。

　　四是營(ying)造嚴(yan)厲打(da)(da)擊(ji)非法(fa)(fa)(fa)商(shang)(shang)業(ye)保(bao)(bao)險(xian)(xian)(xian)活(huo)(huo)動(dong)(dong)的高(gao)壓態(tai)(tai)勢(shi)。堅(jian)持(chi)對(dui)所有(you)保(bao)(bao)險(xian)(xian)(xian)活(huo)(huo)動(dong)(dong)實(shi)(shi)行嚴(yan)格準(zhun)入、持(chi)牌經營(ying)，嚴(yan)禁無(wu)照(zhao)駕(jia)駛行為，嚴(yan)厲打(da)(da)擊(ji)各(ge)類非法(fa)(fa)(fa)商(shang)(shang)業(ye)保(bao)(bao)險(xian)(xian)(xian)活(huo)(huo)動(dong)(dong)。一(yi)方面要對(dui)非法(fa)(fa)(fa)設立(li)保(bao)(bao)險(xian)(xian)(xian)機構及經營(ying)保(bao)(bao)險(xian)(xian)(xian)業(ye)務(wu)、非法(fa)(fa)(fa)銷售境外保(bao)(bao)險(xian)(xian)(xian)、制售虛假保(bao)(bao)險(xian)(xian)(xian)單(dan)證(zheng)等(deng)傳統非法(fa)(fa)(fa)商(shang)(shang)業(ye)保(bao)(bao)險(xian)(xian)(xian)活(huo)(huo)動(dong)(dong)持(chi)續保(bao)(bao)持(chi)嚴(yan)厲打(da)(da)擊(ji)態(tai)(tai)勢(shi)，加大(da)(da)違法(fa)(fa)(fa)成(cheng)本。另一(yi)方面要加大(da)(da)對(dui)借(jie)(jie)助互(hu)聯(lian)網手段開展的新(xin)型非法(fa)(fa)(fa)商(shang)(shang)業(ye)保(bao)(bao)險(xian)(xian)(xian)活(huo)(huo)動(dong)(dong)的打(da)(da)擊(ji)力度(du)，要把網絡互(hu)助平臺(tai)納入監(jian)管，盡快研(yan)究準(zhun)入標(biao)準(zhun)，實(shi)(shi)現(xian)持(chi)牌經營(ying)和合法(fa)(fa)(fa)經營(ying)。加強同工信(xin)等(deng)部門(men)信(xin)息共享，對(dui)擅自在APP平臺(tai)開展各(ge)類保(bao)(bao)險(xian)(xian)(xian)業(ye)務(wu)、借(jie)(jie)助網絡技術手段實(shi)(shi)施(shi)保(bao)(bao)險(xian)(xian)(xian)詐(zha)騙等(deng)非法(fa)(fa)(fa)商(shang)(shang)業(ye)保(bao)(bao)險(xian)(xian)(xian)活(huo)(huo)動(dong)(dong)，情節嚴(yan)重的要移送司(si)法(fa)(fa)(fa)機關立(li)案查處。此(ci)外，對(dui)涉及保(bao)(bao)險(xian)(xian)(xian)創(chuang)新(xin)的新(xin)業(ye)態(tai)(tai)，要在準(zhun)確定性的基(ji)礎上，實(shi)(shi)施(shi)監(jian)管沙盒試點，鼓勵支(zhi)持(chi)創(chuang)新(xin)發展，保(bao)(bao)持(chi)監(jian)管與創(chuang)新(xin)同步，將創(chuang)新(xin)始終(zhong)置于監(jian)管之下，確保(bao)(bao)風(feng)險(xian)(xian)(xian)不失控，堅(jian)決(jue)守住不發生系統性金融風(feng)險(xian)(xian)(xian)的底線。