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There is a fraudulent policyholder’s behavior in electric sales. China Merchants Insurance’s life insurance leads four tickets.

2017-12-06 11:30:42 Author: Source: "Daily Economic News" commented:0  Click:


There is a fraudulent policyholder’s behavior in electric sales. China Merchants Insurance’s life insurance leads four tickets.
Recently, the China Insurance Regulatory Commission issued five administrative penalties consecutively, of which four were punished by China Merchants Xinnuo Life Insurance Co., Ltd. (hereinafter referred to as China Merchants Xinnuo) and its subordinate Wuhan, Shenzhen, and Beijing sales centers. The reasons for the punishment are all “illegal behaviors of fraudulent policyholders who have telephone sales”, which mainly include providing false market information to customers and exaggerating or falsely stating the company’s products. The administrative punishment book shows that China Merchants Xinnuo, its subordinate home electronics sales center and relevant responsible persons were fined 1.07 million yuan.
All along, telemarketing channels are the focus of the CIRC's regulation and supervision. According to incomplete statistics from Daily Economic News, this year, the China Insurance Regulatory Commission has disclosed a total of 47 administrative penalties, of which 26 penalties involve problems in the telephone sales process. In addition, many insurance companies such as Sunshine Life Insurance have been issued supervision letters by the China Insurance Regulatory Commission because of the imperfect internal control of the telemarketing business this year. It is worth noting that, in addition to being required to strictly implement the responsibility for rectification, some insurers who receive regulatory letters also need to hold accountable persons responsible for violations of laws and regulations.
While increasing inspections, the China Insurance Regulatory Commission is also constantly improving its policies and regulations related to electrical sales. Starting from November 1st this year, the "Provisional Measures for the Retroactive Management of Insurance Sales Acts" has been officially implemented, which stipulates that "insurance companies and insurance intermediary agencies should implement the entire process of recording the whole insurance business to carry out telephone sales business."
China Merchants Xinnuo illegally "eat" ticket
According to the China Insurance Regulatory Commission, during the inspection of the telemarketing policy of China Merchants-Cinna Signature in 2015, the China Insurance Regulatory Commission made random checks on three self-built telesales centers. All of them discovered that there was illegal sale of fraudulent policy-holders by telemarketing, and illegal policies accounted for Relatively high. Specifically, the three home appliance sales centers are located in Wuhan, Shenzhen, and Beijing respectively. The main violations are: providing false market information to customers, exaggerating or falsely stating the company’s products, and making laws, regulations, and policies related to insurance business. Inaccurate propaganda, false marketing of product sales thresholds and price changes, avoidance of customer issues or failure to correctly describe insurance product attributes, etc.
The administrative punishment book shows that China Merchants Xinnuo Corporation is responsible for the quality management of telesales business and establishes a telephone sales quality inspection system. After inspection, it found that the head office had many problems in the internal control of sales business quality management. Therefore, the China Insurance Regulatory Commission believes that China Merchants Xinnuo has direct responsibility for the fraudulent policyholders that are common in many telemarketing centers.
In view of the above, China Insurance Regulatory Commission decided to impose a fine of 250,000 yuan on China Merchants Xinnuo Corporation; Beijing Electric Marketing Center was fined 200,000 yuan; Shenzhen and Wuhan Electric Center were fined 150,000 yuan.
In addition, Yang Hongliang, general manager of the marketing department of China Merchants Group SinoCom, and Chen Zhisong, the executive deputy general manager of China Merchants CIGNA and chief marketing officer of the company’s chief network, and Feng Hui, who was the head of the Beijing CIMC Marketing Center At the time, Hou Juan, who was the head of China Merchants Xinnuo Telemarketing Center, and Wenyu, who was the general manager of Wuhan Commercial Center of China Merchants Group, had direct responsibility for the above illegal activities. The China Insurance Regulatory Commission imposed fines on five people, and the total amount reached 32 million.
"Daily Economic News" reporter combed and found that this is not the first time that China Merchants has promised to be punished for problems in the phone sales process. In 2009, when sampling the 57 telemarketing records of China Merchants-Cinnamon from January to October 2008, the Shenzhen Insurance Regulatory Commission found that there were 16 problems with irregular or misleading speech. Because it constituted a fraud to policyholders, the China Insurance Regulatory Commission (CIRC) imposed a 100,000 yuan administrative penalty on China Merchants Xinxin.
Half of the punishment book in the year involved "electricity sales"
In the same batch of public administrative penalties, there were CITIC Bank’s (6.440,-0.07,-1.08%) credit card center, which was also a fraudulent policy-holder, and it was also fined 120,000 yuan, plus investment promotion. CIGNA's 1.07 million yuan, the five fines issued by the China Insurance Regulatory Commission this time involved a total fine of 1.19 million yuan.
In fact, the telephone sales channels have always been the focus of the regulatory and supervisory regulations of the China Insurance Regulatory Commission. According to incomplete statistics from Daily Economic News, this year, the CIRC has disclosed a total of 47 administrative penalties, of which 26 penalties involve telephone sales.
Specifically, the illegal acts of insurance companies in the distribution channels are concentrated in the following categories: staff use statements that are inconsistent with the facts to sell insurance policies to policyholders; hide important information related to insurance contracts from policyholders; The business system and returning system record customer information is not true. For these illegal activities, the CIRC’s penalties are mostly fines.
In addition to the administrative penalty, the CIRC will also issue a regulatory letter in response to the issues that the insurance company exposed during the telephone sales process. Since the beginning of this year, due to the imperfect internal control of the telephone sales business, a number of insurance companies have received regulatory letters and are required to make corrections. Taking Sunshine Life as an example, in the on-site inspection conducted from October to November last year, China Insurance Regulatory Commission found that the company had incomplete telemarketing, inaccurate telemarketing ban management, incomplete telemarketing recordings and training files, and did not strictly follow the complaints. There are seven issues, including the accountability of the system, and the phenomenon of return visits during the hesitation period. In this regard, in addition to requiring that it strictly implement the rectification responsibility, the CIRC also explicitly pointed out: "We must strengthen the investigation of responsibility and take serious responsibility for those responsible for violation of laws and regulations."
It is worth noting that, while intensified inspections, the CIRC is also constantly improving its policies and regulations related to electrical sales. From November 1st this year, the "Provisional Measures for the Retrospective Management of Insurance Sales Acts" was formally implemented, which requires that "insurance companies and insurance intermediary agencies should implement the entire process of recording the whole insurance product for telephone sales business" and stipulate that "insurance companies and insurance Intermediary agencies shall strictly strengthen the protection of personal information of applicants and insured persons in strict accordance with the relevant laws and regulations, and shall strictly maintain the confidentiality of audiovisual content such as audio and video recordings and electronic data, and shall not use external data or unauthorized copying. The use of data as other materials is strictly forbidden. business use."
A person involved in insurance sales told the Daily Economic News reporter that at present, his company has clearly required that sales personnel not mislead consumers. At the same time, they must pay attention to the protection of customer privacy. She pointed out: "Now confidentiality is particularly strong, and marketers can't talk to customers' information freely."
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