中保协发（2009）211号-保险从业人员行为准则实施细则

-1-中国保险行业协会文件中保协发〔2009〕211号关于印发《保险从业人员行为准则 实施细则 工程地质勘察监理实施细则公司办公室6S管理实施细则国家GSP实施细则房屋建筑工程监理实施细则大体积混凝土实施细则 》的通知各会员公司各省市自治区 计划 项目进度计划表范例计划下载计划下载计划下载课程教学计划下载 单列市保险行业协会现将《保险从业人员行为准则实施细则》印发给你们请结合本单位实际做好学习宣传和贯彻落实工作执行中请注意发现问题总结经验并及时报中国保险行业协会特此通知附件《保险从业人员行为准则实施细则》二○○九年九月七日-2-主题词行业自律行为准则实施细则通知编录郭晓函校对杨琼联系电话66290339中国保险行业协会2009年9月9日印发1附件保险从业人员行为准则实施细则保险从业人员行为准则实施细则保险从业人员行为准则实施细则保险从业人员行为准则实施细则第一章第一章第一章第一章总总总总则则则则第一条第一条第一条第一条根据中国保监会《保险从业人员行为准则》制定本细则第二条第二条第二条第二条本细则适用于经中国保监会及其派出机构以下简称保险监管机构批准在中国境内从事保险及其有关业务的各类保险机构和保险中介机构以下简称机构的员工及其代理制营销员银行邮政机动车销售及修理厂等兼业代理机构从事保险招揽介绍保险销售的人员适用本细则第三条第三条第三条第三条本细则是保险从业人员应当遵守的基本行为 规范 编程规范下载gsp规范下载钢格栅规范下载警徽规范下载建设厅规范下载 是机构和行业自律组织对保险从业人员进行奖励和处分的依据第二章第二章第二章第二章保险从业人员基本行为准则保险从业人员基本行为准则保险从业人员基本行为准则保险从业人员基本行为准则第四条第四条第四条第四条遵纪守法服从监管执行自律规则遵守所在机构规章制度不得违法违规不得损害保险业形象第五条第五条第五条第五条重 合同 劳动合同范本免费下载装修合同范本免费下载租赁合同免费下载房屋买卖合同下载劳务合同范本下载 守信用恪守最大诚信原则珍惜和维护保险从业人员职业声誉第六条第六条第六条第六条举止文明谦逊有礼坚持客户至上认真履2行保险监管机构行业自律组织所在机构制定的各项服务规范和承诺第七条第七条第七条第七条热爱工作竭诚服务维护所在机构利益和形象不得玩忽职守严禁参与承保欺诈骗赔多赔等活动第八条第八条第八条第八条勤于学习精通业务获得岗位所需要的资格认证积极参加保险监管机构行业自律组织所在机构组织的专业知识和职业操守培训提高专业胜任能力第九条第九条第九条第九条加强修养严于律己自觉执行廉洁从业各项规定不得利用职务和工作之便牟取不正当利益第十条第十条第十条第十条应保护所在机构商业秘密遵守与其签订的保密和竞业禁止 协议 离婚协议模板下载合伙人协议 下载渠道分销协议免费下载敬业协议下载授课协议下载 不得擅自披露业务信息及客户资料第三章第三章第三章第三章保险机构高级管理人员保险机构高级管理人员保险机构高级管理人员保险机构高级管理人员行为准则行为准则行为准则行为准则第十一条第十一条第十一条第十一条坚持科学发展防范化解风险维护客户利益统筹兼顾股东利益机构利益及员工利益第十二条第十二条第十二条第十二条不断提高管理能力避免决策和管理失误不得推卸对因本机构出现的问题应承担的管理责任第十三条第十三条第十三条第十三条倡导客户至上的经营理念鼓励开发适合人民群众需求的保险产品不得采用明示或暗示手段唆使或纵容从业人员从事有损投保人被保险人和受益人合法权益的行为第十四条第十四条第十四条第十四条高度重视保险理赔工作努力提高理赔服务3质量对属于保险责任的理赔案件应在规定时限内及时赔偿或给付对不属于保险责任的应在规定时间内及时通知不得刁难客户不得惜赔拖赔欠赔更不得应赔不赔无理拒赔第四章第四章第四章第四章保险销售理赔和客户服务人员行为准则保险销售理赔和客户服务人员行为准则保险销售理赔和客户服务人员行为准则保险销售理赔和客户服务人员行为准则第第第第十五十五十五十五条条条条主动出示《展业证》或《执业证书》等有效证件使用所在机构统一印制的宣传资料不得自行手写印制变更所在机构的宣传资料不得使用或传播其他不合规的宣传资料第第第第十六十六十六十六条条条条应根据客户的需求和经济承受能力推荐合适产品在客户明确拒绝投保的情况下不得强行继续向客户推销干扰客户的正常工作和生活第十七条第十七条第十七条第十七条客观全面准确地履行产品和服务的说明义务代理机构代理保险业务应明确说明销售产品的经营主体确保客户知晓其所购买保险产品的完整内容对分红保险投资连结保险万能保险等投资产品应明确说明其费用扣除情况和投资风险及收益的不确定性不得有虚假陈述隐瞒真相误导客户违规承诺等行为第十八条第十八条第十八条第十八条加强客户回访和跟踪服务协助客户进行客观公正及时理赔所在机构对客户提出赔偿或者给付保4险金请求作出拒赔决定的应将所在机构出具的拒绝赔偿或者拒绝给付保险金通知书及时送交客户并说明理由第五章第五章第五章第五章公平竞争准则公平竞争准则公平竞争准则公平竞争准则第十九条第十九条第十九条第十九条同业互尊同业互助增进交流不得以不正当手段招徕其他保险机构在职从业人员第二十条第二十条第二十条第二十条公平竞争严禁从业人员有下列不正当竞争行为一采用不实宣传或易引起误解方式自我夸大或者损害其他同业声誉二贬低或诋毁其他机构从业人员保险产品或利用保险监管机构的处罚决定攻击同业三向客户给予或承诺保险合同约定以外的保险费回扣或者其他利益四在未经保险监管机构核准的区域开展业务或采取其他不正当手段开展业务五以排挤竞争对手为目的擅自降低保险费率或高于行业自律标准支付手续费第六章第六章第六章第六章奖励与处分奖励与处分奖励与处分奖励与处分第二十一条第二十一条第二十一条第二十一条行业自律组织对表现优秀的从业人员可视情形给予以下奖励5一书面表扬二公开表彰三授予荣誉称号四其他合适形式的奖励前款所列的奖励可以单独适用也可以合并适用第二十二条第二十二条第二十二条第二十二条高级管理人员应以身作则率先垂范带头遵守并指导和监督从业人员遵守本细则对违反本细则的从业人员由其所在机构根据内部管理规定进行处分第二十三条第二十三条第二十三条第二十三条行业自律组织对违反本细则的从业人员可采取书面或口头形式进行提示或质询并可视情节轻重给予纪律处分从业人员违规情节严重的由行业自律组织提请保险监管机构依法采取有关监管措施第二十四条第二十四条第二十四条第二十四条行业自律组织对违规从业人员可以给予以下形式的纪律处分一警告二业内通报批评三通过媒体公开谴责四提请保险监管机构查处五从业禁止前款所列的纪律处分可以单独适用也可以合并适用6第第第第二十五二十五二十五二十五条条条条从业人员违反本细则情节轻微且没有造成严重后果的行业自律组织应予以警告限期整改警告由行业自律组织以信函形式向从业人员本人发出同时抄报其所在的上级机构和保险监管机构第二十六条第二十六条第二十六条第二十六条有下列情形之一的行业自律组织对负有主要责任的高级管理人员予以业内通报批评一机构经营管理不善造成突发事件未进行及时处理引发行业公共关系危机的二机构违规经营违反行业自律规则和服务承诺的三违反本细则第十四条规定理赔服务质量差的四违反本细则第十九条规定以不正当手段招徕从业人员的五违反本细则第二十条规定进行不正当竞争的第二十七条第二十七条第二十七条第二十七条从业人员有下列行为之一其所在机构应将其名单上报行业自律组织予以业内通报批评一代签名二代体检三伪造客户回访记录故意滞留客户保险合同四伪造机构和客户的公章印件五在资格考试中参与考试作弊冒名代考及伪造变造转让《资格

证书》《展业证》或《执业证书》六挪用侵占保费滞留保费私设帐户及公款私存7七与客户勾结故意隐瞒承保条件虚假理赔骗取保险金八擅自印制伪造变造隐匿保险单证违规制作宣传材料私自更改客户投保和保全信息九伪造销毁帐务指使违规操作十泄露所在机构和客户重大商业秘密十一盗取或恶意毁坏机构重要数据设备十二所在机构认为其他应该上报的行为前款所列行为涉嫌犯罪的应依法移交司法机关追究其刑事责任第二十八条第二十八条第二十八条第二十八条有下列情形之一情节严重的行业自律组织对负有主要责任的从业人员应通过媒体予以公开谴责一机构或个人严重损害保险业整体形象的二机构或个人严重损害投保人被保险人和受益人合法权益的第二十九条第二十九条第二十九条第二十九条高级管理人员严重违反本细则且符合行政处罚条件的行业自律组织可提请保险监管机构依法予以查处第三十条第三十条第三十条第三十条从业人员有下列情形之一的各机构均不得再行录用一违反本细则第二十七条规定的情形被业内通报批评的8二违反本细则第二十八条规定的情形被公开谴责的三严重违反所在机构管理规定导致重大经济损失且对行业造成恶劣影响的第第第第三十一三十一三十一三十一条条条条行业自律组织应建立从业人员信息管理制度详实记录从业人员奖励和处分情况对受到第二十四条第二项至第五项处分的信息应在其网站上予以公示以供查询对其中的高级管理人员应定期通报保险监管机构第三十二条第三十二条第三十二条第三十二条从业人员对所在机构执行本细则第二十二条有异议的可向行业自律组织申请复议对行业自律组织处分决定有异议的可向保险监管机构申请复议复议期间原处分决定继续执行第七章第七章第七章第七章附附附附则则则则第三十三条第三十三条第三十三条第三十三条中国保险行业协会应对保险机构执行本细则情况进行检查保险机构应如实记录其从业人员执行本细则情况建立报告制度年终向其加入的行业自律组织报告情况第三十四条第三十四条第三十四条第三十四条本细则由中国保险行业协会负责解释第三十五条第三十五条第三十五条第三十五条本细则自中国保险行业协会公布之日起正式施行中国保险行业协会文件中保协发〔2009〕211号关于印发《保险从业人员行为准则实施细则》的通知各会员公司各省市自治区计划单列市保险行业协会现将《保险从业人员行为准则实施细则》印发给你们请结合本单位实际做好学习宣传和贯彻落实工作执行中请注意发现问题总结经验并及时报中国保险行业协会特此通知附件《保险从业人员行为准则实施细则》二○○九年九月七日 主题词行业自律行为准则实施细则通知 编录郭晓函 校对杨琼 联系电话66290339 中国保险行业协会 2009年9月9日印发 -2--1-ASCII85EncodePagesfalseAllowTransparencyfalseAutoPositionEPSFilestrueAutoRotatePagesAllBindingLeftCalGrayProfileDotGain20CalRGBProfilesRGBIEC61966-21CalCMYKProfileUSWebCoated050SWOP051v2sRGBProfilesRGBIEC61966-21CannotEmbedFontPolicyWarningCompatibilityLevel14CompressObjectsTagsCompressPagestrueConvertImagesToIndexedtruePassThroughJPEGImagestrueCreateJDFFilefalseCreateJobTicketfalseDefaultRenderingIntentDefaultDetectBlendstrueDetectCurves00000ColorConversionStrategyLeaveColorUnchangedDoThumbnailsfalseEmbedAllFontstrueEmbedOpenTypefalseParseICCProfilesInCommentstrueEmbedJobOptionstrueDSCReportingLevel0EmitDSCWarningsfalseEndPage-1ImageMemory1048576LockDistillerParamsfalseMaxSubsetPct100OptimizetrueOPM1ParseDSCCommentstrueParseDSCCommentsForDocInfotruePreserveCopyPagetruePreserveDICMYKValuestruePreserveEPSInfotruePreserveFlatnesstruePreserveHalftoneInfofalsePreserveOPICommentsfalsePreserveOverprintSettingstrueStartPage1SubsetFontstrueTransferFunctionInfoApplyUCRandBGInfoPreserveUseProloguefalseColorSettingsFileAlwaysEmbed[true]NeverEmbed[true]AntiAliasColorImagesfalseCropColorImagestrueColorImageMinResolution300ColorImageMinResolutionPolicyOKDownsampleColorImagestrueColorImageDownsampleTypeBicubicColorImageResolution300ColorImageDepth-1ColorImageMinDownsampleDepth1ColorImageDownsampleThreshold150000EncodeColorImagestrueColorImageFilterDCTEncodeAutoFilterColorImagestrueColorImageAutoFilterStrategyJPEGColorACSImageDictQFactor015HSamples[1111]VSamples[1111]ColorImageDictQFactor015HSamples[1111]VSamples[1111]JPEG2000ColorACSImageDictTileWidth256TileHeight256Quality30JPEG2000ColorImageDictTileWidth256TileHeight256Quality30AntiAliasGrayImagesfalseCropGrayImagestrueGrayImageMinResolution300GrayImageMinResolutionPolicyOKDownsampleGrayImagestrueGrayImageDownsampleTypeBicubicGrayImageResolution300GrayI

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