China News Service, Beijing, January 12 (Reporter Wang Enbo) The China Banking and Insurance Regulatory Commission announced on the 12th "Measures for the Supervision of Informatization of Insurance Intermediaries."
According to the official, this move will promote insurance intermediary agencies to strengthen informatization construction, improve their management level, and provide an effective starting point for strengthening interim and ex-post supervision in the insurance intermediary field and building a new insurance intermediary market system.
In recent years, the insurance industry has continued to develop healthily. The scale of insurance intermediaries has continued to increase, and the market position has continued to improve. However, the level of operation and management and compliance of insurance intermediaries are relatively lagging. Some insurance intermediaries have incomplete information governance and information. The system construction is not standardized, the information security mechanism is not perfect, and the informatization capability and level have become shortcomings that affect the compliance operation and healthy development of insurance intermediary institutions.
To this end, the China Banking and Insurance Regulatory Commission plans to formulate and issue the "Measures" to put forward requirements for the informatization of insurance intermediaries in terms of information governance, information system construction, information security mechanisms, and branch management.
The "Measures" stipulate that the informatization construction of insurance intermediary institutions shall comply with the requirements of laws, administrative regulations and the supervision system of the China Banking and Insurance Regulatory Commission, and shall comply with the unity of safety, reliability and effectiveness, technical routes consistent with business development directions, information systems and management requirements The basic principle of matching.
The information system of an insurance intermediary institution should be able to record financial, business, and personnel information in a timely, complete and accurate manner, realize system interoperability, business interconnection, and data docking with cooperative insurance companies, and be able to generate data files that meet regulatory requirements, and realize insurance through technical means. Intermediary supervision related information system data docking.
The "Measures" also require insurance intermediary institutions to communicate with cooperative insurance companies in terms of system interoperability, business interconnection, data docking, and data docking with insurance intermediary supervision related information systems.
What is the reason for this request?
The person in charge of the relevant department of the China Banking and Insurance Regulatory Commission responded that at present, the business information interaction between some insurance intermediaries and cooperative insurance companies is not standardized and transparent, business processes are difficult to trace, and regulatory data submission is inaccurate and untimely.
From the perspective of consolidating the foundation for industry development, the "Measures" put forward requirements for data connection between insurance intermediaries, insurance companies, and supervisory authorities, and regulate the information interaction between insurance intermediaries, insurance companies, and supervisory authorities, so that insurance companies and insurance intermediaries Institutional business information exchange is standardized, transparent, and traceable, promotes insurance intermediaries to improve their management level, enhances the operating efficiency of insurance intermediary markets, improves the quality and timeliness of insurance intermediary supervision data, and enhances supervision efficiency.
During the drafting process of the Measures, the actual situation of small and medium insurance intermediaries was fully considered, and it was clarified that insurance intermediaries could adopt independent development, cooperative development, customized development, outsourcing development, and purchase of cloud services to build information systems.
The above-mentioned person in charge stated that the costs of several construction methods are gradually decreasing, and insurance intermediaries can choose appropriate construction methods according to their actual conditions, but they should fully understand and effectively control the risks related to information construction, no matter what method is used to build information systems, All insurance intermediaries shall abide by the "Measures" and assume responsibility for information security management.
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