中證網(wang)訊（記者 歐陽(yang)劍環）銀保(bao)(bao)(bao)監(jian)會(hui)網(wang)站12月25日消息，為進一步(bu)規(gui)范責任(ren)保(bao)(bao)(bao)險經營(ying)行(xing)為，保(bao)(bao)(bao)護責任(ren)保(bao)(bao)(bao)險活(huo)動當事人合法(fa)權益，更好(hao)服務(wu)經濟社會(hui)發展(zhan)全局，促進責任(ren)保(bao)(bao)(bao)險業務(wu)持續(xu)健康發展(zhan)，近日，銀保(bao)(bao)(bao)監(jian)會(hui)發布《責任(ren)保(bao)(bao)(bao)險業務(wu)監(jian)管(guan)辦法(fa)》（以下簡稱《辦法(fa)》）。

　　《辦法(fa)》共五(wu)章三(san)十(shi)五(wu)條(tiao)，主(zhu)要(yao)內容有(you)四大(da)方(fang)面(mian)：一(yi)是(shi)(shi)規(gui)(gui)(gui)范(fan)責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)承(cheng)(cheng)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)邊(bian)界(jie)。針對(dui)責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)邊(bian)界(jie)不(bu)(bu)斷(duan)擴(kuo)大(da)，一(yi)方(fang)面(mian)嚴(yan)格(ge)責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)承(cheng)(cheng)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)范(fan)圍(wei)，明(ming)確責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)應當(dang)承(cheng)(cheng)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)被保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人給第三(san)者造成(cheng)損害依法(fa)應負的(de)(de)賠償責(ze)(ze)(ze)任(ren)(ren)，不(bu)(bu)得承(cheng)(cheng)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)故意(yi)(yi)行(xing)為(wei)(wei)、罰金罰款、履約信(xin)用風(feng)險(xian)(xian)(xian)(xian)(xian)、確定(ding)損失(shi)、投機風(feng)險(xian)(xian)(xian)(xian)(xian)等(deng)(deng)風(feng)險(xian)(xian)(xian)(xian)(xian)或(huo)損失(shi)，另一(yi)方(fang)面(mian)要(yao)求(qiu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)司(si)(si)厘清責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)與財產損失(shi)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、保(bao)(bao)(bao)(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、意(yi)(yi)外傷害保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)等(deng)(deng)險(xian)(xian)(xian)(xian)(xian)種的(de)(de)關系(xi)(xi)，合理(li)(li)確定(ding)承(cheng)(cheng)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)種。二是(shi)(shi)規(gui)(gui)(gui)范(fan)市(shi)場經營行(xing)為(wei)(wei)。針對(dui)當(dang)前不(bu)(bu)規(gui)(gui)(gui)范(fan)競爭(zheng)行(xing)為(wei)(wei)，明(ming)確不(bu)(bu)得存在未按規(gui)(gui)(gui)定(ding)使用經批(pi)準(zhun)(zhun)或(huo)備案的(de)(de)條(tiao)款費率、銷售(shou)誤導、不(bu)(bu)正當(dang)競爭(zheng)、違規(gui)(gui)(gui)承(cheng)(cheng)諾等(deng)(deng)行(xing)為(wei)(wei)，不(bu)(bu)得以(yi)承(cheng)(cheng)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)擔保(bao)(bao)(bao)(bao)(bao)(bao)(bao)機構責(ze)(ze)(ze)任(ren)(ren)等(deng)(deng)形(xing)式實質承(cheng)(cheng)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)融資性信(xin)用風(feng)險(xian)(xian)(xian)(xian)(xian)，不(bu)(bu)得以(yi)機動(dong)車(che)輛保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)以(yi)外的(de)(de)責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)主(zhu)險(xian)(xian)(xian)(xian)(xian)或(huo)附(fu)加險(xian)(xian)(xian)(xian)(xian)承(cheng)(cheng)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)機動(dong)車(che)第三(san)者責(ze)(ze)(ze)任(ren)(ren)。三(san)是(shi)(shi)規(gui)(gui)(gui)范(fan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)服(fu)務(wu)(wu)(wu)。明(ming)確保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)司(si)(si)提供保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)服(fu)務(wu)(wu)(wu)，應當(dang)遵循合理(li)(li)性、必要(yao)性原則，以(yi)降低賠付風(feng)險(xian)(xian)(xian)(xian)(xian)為(wei)(wei)主(zhu)要(yao)目的(de)(de)，不(bu)(bu)得隨意(yi)(yi)擴(kuo)大(da)服(fu)務(wu)(wu)(wu)范(fan)圍(wei)、服(fu)務(wu)(wu)(wu)內容。要(yao)求(qiu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)司(si)(si)制(zhi)定(ding)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)服(fu)務(wu)(wu)(wu)相關制(zhi)度(du)，嚴(yan)格(ge)按照會計(ji)準(zhun)(zhun)則進(jin)行(xing)賬務(wu)(wu)(wu)處理(li)(li)，確保(bao)(bao)(bao)(bao)(bao)(bao)(bao)數據(ju)真實準(zhun)(zhun)確。四是(shi)(shi)強(qiang)化內控管理(li)(li)。進(jin)一(yi)步強(qiang)化保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)司(si)(si)開展責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)業務(wu)(wu)(wu)的(de)(de)業務(wu)(wu)(wu)管理(li)(li)、授(shou)權體系(xi)(xi)、隊伍建設、業務(wu)(wu)(wu)核算、信(xin)息系(xi)(xi)統、數據(ju)統計(ji)、風(feng)險(xian)(xian)(xian)(xian)(xian)管控等(deng)(deng)方(fang)面(mian)的(de)(de)要(yao)求(qiu)。

　　《辦(ban)法》的發(fa)(fa)布，是銀(yin)保(bao)(bao)(bao)監會(hui)進一(yi)步規范責(ze)任(ren)保(bao)(bao)(bao)險(xian)(xian)經營行為、促進責(ze)任(ren)保(bao)(bao)(bao)險(xian)(xian)業務持續健康發(fa)(fa)展的重要舉措。下一(yi)步，銀(yin)保(bao)(bao)(bao)監會(hui)將做好《辦(ban)法》貫徹落實工作，密切關注執行效果，加大監管(guan)力度(du)，指(zhi)導保(bao)(bao)(bao)險(xian)(xian)業更好服務經濟(ji)社會(hui)發(fa)(fa)展全(quan)局。