中證(zheng)(zheng)(zheng)網訊（記者 黃一(yi)靈）11月(yue)6日，記者從(cong)上海(hai)(hai)銀保(bao)監局獲(huo)悉， 為進一(yi)步提升上海(hai)(hai)地(di)區財產保(bao)險(xian)公司經營個(ge)人(ren)融資性保(bao)證(zheng)(zheng)(zheng)保(bao)險(xian)業務的風(feng)險(xian)管控水平，切(qie)實維(wei)護(hu)消費者合法權益，持續推動上海(hai)(hai)保(bao)險(xian)業高質量發展，近(jin)日，上海(hai)(hai)銀保(bao)監局印(yin)發《上海(hai)(hai)地(di)區個(ge)人(ren)融資性保(bao)證(zheng)(zheng)(zheng)保(bao)險(xian)催收業務實施細則》（以下簡稱《實施細則》）。

　　近年(nian)來(lai)，融資(zi)(zi)性(xing)保(bao)證保(bao)險(xian)(xian)(xian)(xian)作(zuo)(zuo)為(wei)一種增信手段，在破解融資(zi)(zi)難、助力多點消(xiao)費(fei)方面(mian)發揮了重要作(zuo)(zuo)用(yong)，逐(zhu)步成為(wei)部分保(bao)險(xian)(xian)(xian)(xian)公司重要的(de)業務(wu)(wu)(wu)增長點，但也(ye)出現了一些(xie)風險(xian)(xian)(xian)(xian)苗頭(tou)和問(wen)題。其中，各類(lei)違規(gui)催收(shou)行為(wei)引發的(de)投訴舉報日益增多，損(sun)害了消(xiao)費(fei)者的(de)合(he)法權(quan)益，也(ye)對保(bao)險(xian)(xian)(xian)(xian)行業聲譽造(zao)成負(fu)面(mian)影響。《實(shi)(shi)施(shi)細則》專項(xiang)規(gui)范(fan)了個人(ren)融資(zi)(zi)性(xing)保(bao)證保(bao)險(xian)(xian)(xian)(xian)業務(wu)(wu)(wu)的(de)催收(shou)業務(wu)(wu)(wu)環節(jie)，總體原則是“管(guan)住后端(duan)、倒逼前(qian)端(duan)”，通過建(jian)立標(biao)(biao)準化(hua)的(de)操作(zuo)(zuo)規(gui)范(fan)，督促保(bao)險(xian)(xian)(xian)(xian)公司提(ti)升客戶(hu)審查、風險(xian)(xian)(xian)(xian)識別、產品定價、保(bao)后管(guan)理(li)等經營能力，強化(hua)保(bao)險(xian)(xian)(xian)(xian)公司風險(xian)(xian)(xian)(xian)管(guan)控基(ji)礎(chu)。《實(shi)(shi)施(shi)細則》的(de)出臺，進一步夯實(shi)(shi)了個人(ren)融資(zi)(zi)性(xing)保(bao)證保(bao)險(xian)(xian)(xian)(xian)業務(wu)(wu)(wu)的(de)監(jian)管(guan)基(ji)礎(chu)，有利于實(shi)(shi)現“行業發展有標(biao)(biao)準、實(shi)(shi)施(shi)監(jian)管(guan)有抓手”的(de)目的(de)。

　　《實施細則》共(gong)五章二(er)十六條，適用于所有在上(shang)海地區(qu)經營(ying)個(ge)人融資性保(bao)(bao)證保(bao)(bao)險(xian)業務(wu)(wu)的(de)(de)(de)保(bao)(bao)險(xian)公(gong)司，明確(que)(que)了公(gong)司內控管理(li)要(yao)(yao)求(qiu)，涵蓋制度建設、崗位設置、人員管理(li)以及投(tou)訴處理(li)等(deng)(deng)重要(yao)(yao)環節(jie)；要(yao)(yao)求(qiu)保(bao)(bao)險(xian)公(gong)司健全(quan)委外(wai)催(cui)(cui)收(shou)(shou)(shou)(shou)(shou)(shou)管理(li)制度、優化合(he)作(zuo)機構(gou)選擇、加強委外(wai)機構(gou)質檢考核并(bing)引入(ru)清(qing)退(tui)機制；規(gui)范(fan)細化保(bao)(bao)險(xian)公(gong)司催(cui)(cui)收(shou)(shou)(shou)(shou)(shou)(shou)行(xing)為，提(ti)出(chu)(chu)9項(xiang)禁止(zhi)性行(xing)為，加強隱私(si)保(bao)(bao)護、檔案管理(li)等(deng)(deng)要(yao)(yao)求(qiu)。同時(shi)，針對當前(qian)矛盾(dun)比(bi)較突出(chu)(chu)的(de)(de)(de)關(guan)鍵環節(jie)進(jin)行(xing)重點規(gui)范(fan)：一是提(ti)高(gao)催(cui)(cui)收(shou)(shou)(shou)(shou)(shou)(shou)過(guo)程(cheng)記錄(lu)要(yao)(yao)求(qiu)，包括(kuo)外(wai)呼(hu)(hu)催(cui)(cui)收(shou)(shou)(shou)(shou)(shou)(shou)電話必(bi)須全(quan)程(cheng)錄(lu)音(yin)，面談催(cui)(cui)收(shou)(shou)(shou)(shou)(shou)(shou)安排不少于兩(liang)名(ming)人員且必(bi)須錄(lu)音(yin)錄(lu)像，同時(shi)還明確(que)(que)了外(wai)呼(hu)(hu)頻率、禁呼(hu)(hu)時(shi)間、外(wai)呼(hu)(hu)對象、面談要(yao)(yao)求(qiu)等(deng)(deng)催(cui)(cui)收(shou)(shou)(shou)(shou)(shou)(shou)行(xing)為規(gui)范(fan)，嚴禁暴力催(cui)(cui)收(shou)(shou)(shou)(shou)(shou)(shou)。二(er)是明確(que)(que)提(ti)出(chu)(chu)保(bao)(bao)險(xian)公(gong)司省級(ji)分支機構(gou)應在委外(wai)催(cui)(cui)收(shou)(shou)(shou)(shou)(shou)(shou)協議(yi)簽(qian)(qian)訂、支付服務(wu)(wu)費(fei)(fei)比(bi)例兩(liang)個(ge)風(feng)險(xian)聚焦的(de)(de)(de)領域(yu)落實管理(li)責(ze)任(ren)，避(bi)免出(chu)(chu)現總公(gong)司與(yu)地方分公(gong)司權利責(ze)任(ren)的(de)(de)(de)不匹(pi)配(pei)。三是明確(que)(que)保(bao)(bao)險(xian)公(gong)司對外(wai)部催(cui)(cui)收(shou)(shou)(shou)(shou)(shou)(shou)機構(gou)的(de)(de)(de)風(feng)險(xian)管理(li)主體責(ze)任(ren)，對其合(he)作(zuo)對手選擇、協議(yi)簽(qian)(qian)署(shu)、業務(wu)(wu)質檢、考核清(qing)退(tui)、費(fei)(fei)用定價(jia)、禁止(zhi)轉委托等(deng)(deng)方面均提(ti)出(chu)(chu)明確(que)(que)的(de)(de)(de)監(jian)管要(yao)(yao)求(qiu)，防止(zhi)保(bao)(bao)險(xian)公(gong)司與(yu)外(wai)部催(cui)(cui)收(shou)(shou)(shou)(shou)(shou)(shou)機構(gou)推(tui)諉扯皮。

　　下一步，上(shang)海銀保(bao)監(jian)局(ju)將指導轄內保(bao)險機(ji)構持續完善管理制度(du)、強化內部(bu)管控、提升(sheng)服務(wu)(wu)水平、防范化解(jie)風(feng)險，促(cu)進上(shang)海地(di)區個(ge)人融資性保(bao)證(zheng)保(bao)險業(ye)務(wu)(wu)依法(fa)、合規、穩健發展。