上證報中(zhong)國證券網訊 據銀保監會(hui)8月25日(ri)消息，北京(jing)銀保監局辦公(gong)室發布關于專(zhuan)項整治北京(jing)地區互(hu)聯網保險營銷宣傳有關問題(ti)的通知(zhi)。

　　通(tong)知指出，近期，部(bu)分保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司、保(bao)(bao)(bao)險(xian)(xian)(xian)專(zhuan)業中介(jie)機構的互(hu)(hu)聯(lian)網(wang)保(bao)(bao)(bao)險(xian)(xian)(xian)營銷宣傳廣告存在過度營銷、誘導消(xiao)費(fei)等(deng)突出問題，導致大量保(bao)(bao)(bao)險(xian)(xian)(xian)消(xiao)費(fei)糾紛。為(wei)深入貫徹銀保(bao)(bao)(bao)監會關于互(hu)(hu)聯(lian)網(wang)保(bao)(bao)(bao)險(xian)(xian)(xian)亂象(xiang)專(zhuan)項(xiang)整治工作精(jing)神，規范互(hu)(hu)聯(lian)網(wang)保(bao)(bao)(bao)險(xian)(xian)(xian)營銷宣傳活動，切實保(bao)(bao)(bao)護保(bao)(bao)(bao)險(xian)(xian)(xian)消(xiao)費(fei)者合法權益，現就有關要求通(tong)知如(ru)下：

　　一(yi)、本通知所(suo)指(zhi)北(bei)京(jing)地(di)區互聯(lian)網(wang)保(bao)(bao)險(xian)(xian)營銷宣(xuan)傳，是指(zhi)保(bao)(bao)險(xian)(xian)公司、保(bao)(bao)險(xian)(xian)專業中介(jie)機構在自營網(wang)絡平臺以(yi)外，通過網(wang)站、網(wang)頁、應用程序、通信短信息(xi)等媒介(jie)，以(yi)文字、圖片、音頻(pin)、視頻(pin)或其他形式，面(mian)向北(bei)京(jing)地(di)區消費(fei)者開展的保(bao)(bao)險(xian)(xian)產品(pin)和(he)服(fu)務商業宣(xuan)傳推廣活動。

　　二、保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司、保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)專(zhuan)業(ye)中(zhong)介機(ji)構開展互聯網(wang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)營(ying)銷宣傳應當符(fu)合《互聯網(wang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)業(ye)務(wu)監管辦(ban)法(fa)》的有關(guan)規定，營(ying)銷宣傳內容(rong)(rong)應當由保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司、保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)專(zhuan)業(ye)中(zhong)介機(ji)構統(tong)一制作，清晰準確，營(ying)銷宣傳內容(rong)(rong)應當與保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合同條款保(bao)(bao)(bao)持一致(zhi)。

　　三、本(ben)通(tong)知下(xia)發(fa)之日起，保險公司、保險專業中介機構應全面停(ting)止在(zai)(zai)(zai)北京地區(qu)發(fa)布存(cun)在(zai)(zai)(zai)過度營銷、誘導消(xiao)費問題(ti)(ti)的互聯網(wang)保險營銷宣傳廣(guang)告，包(bao)括但不(bu)限(xian)于“首月1元(yuan)”、“1元(yuan)升級”、“免費贈險”、“實物(wu)抽獎”、“限(xian)時停(ting)售(shou)”等(deng)誘導、誤(wu)導性的內容，以及存(cun)在(zai)(zai)(zai)廣(guang)告標識不(bu)清晰、關(guan)閉按鈕(niu)不(bu)顯著、整屏(ping)誘導點擊等(deng)問題(ti)(ti)的廣(guang)告。

　　四、保(bao)險(xian)公(gong)(gong)司(si)、保(bao)險(xian)專業中介機構或經授權(quan)的省級分公(gong)(gong)司(si)應當統一管理(li)(li)(li)北京地(di)區(qu)互聯(lian)網保(bao)險(xian)營銷宣(xuan)傳活動(dong)，建立(li)營銷宣(xuan)傳內容制作、審核、發布(bu)、效(xiao)果評估(gu)相關管理(li)(li)(li)制度(du)，并根據本通知要求建立(li)北京地(di)區(qu)互聯(lian)網保(bao)險(xian)營銷宣(xuan)傳管理(li)(li)(li)臺(tai)(tai)賬（以下簡稱管理(li)(li)(li)臺(tai)(tai)賬），未(wei)納入管理(li)(li)(li)臺(tai)(tai)賬進行管理(li)(li)(li)的營銷宣(xuan)傳廣告不得發布(bu)。

　　五、保(bao)險(xian)(xian)(xian)公司、保(bao)險(xian)(xian)(xian)專業中介機構應當(dang)結合(he)(he)此次互聯網保(bao)險(xian)(xian)(xian)亂象(xiang)專項整治(zhi)工作和本通知要求，全面評估在京發布的互聯網保(bao)險(xian)(xian)(xian)營銷宣傳廣告合(he)(he)規性，明確整改(gai)處理(li)措施(shi)，逐一登記(ji)至管(guan)(guan)理(li)臺賬(zhang)，并(bing)于(yu)2021年9月10日前報(bao)(bao)告北(bei)京銀保(bao)監(jian)(jian)局，相關(guan)管(guan)(guan)理(li)制度(du)一并(bing)報(bao)(bao)告。自2022年1季度(du)起，各(ge)機構應于(yu)每季度(du)前10日內向北(bei)京銀保(bao)監(jian)(jian)局報(bao)(bao)告上季度(du)管(guan)(guan)理(li)臺賬(zhang)。

　　六、北京銀保(bao)監(jian)局(ju)將結合各機(ji)構管理(li)臺賬，持續加強(qiang)北京地區互聯網保(bao)險營銷(xiao)宣(xuan)傳活(huo)動(dong)的日常監(jian)測，對(dui)存在誤導(dao)風險隱患(huan)、投訴率較高、違反(fan)保(bao)險監(jian)管法(fa)律法(fa)規等問題的營銷(xiao)宣(xuan)傳活(huo)動(dong)，依法(fa)采(cai)取限期改正等監(jian)管措(cuo)施或實施行政處罰。