信息化新規，將對3.5萬家保險中介產生什么影響？

作家：保(bao)保(bao)的 

特征：保了解

自2030年(nian)初，銀保監會第一次(ci) 做出統籌推進搭建最新型穩定(ding)公司市(shi)廠體系中開始，涉(she)及穩定(ding)公司的(de)管理日漸要嚴格。

這年10月，銀保監會簽發《2021保費信(xin)用卡(ka)還款中介(jie)網市(shi)面不文明(ming)現(xian)象整(zheng)頓的業務設計》，將保費信(xin)用卡(ka)還款中介(jie)網市(shi)面進(jin)入結(jie)構(gou)性(xing)業務量、內控(kong)、銷售及危害(hai)性(xing)等現(xian)狀(zhuang)編入整(zheng)頓的業務。

另據(ju)普華永道數據(ju)匯總，2020，250家保險費用中介網公司(si)獲得436張罰(fa)單(dan)，罰(fa)單(dan)積攢罰(fa)款(kuan)單(dan)稅(shui)額(e)達3672.30萬元，同比提升(sheng)率(lv)提升(sheng)49.39%。

事隔(ge)一年后，在(zai)202一年7月110月，銀(yin)保(bao)監會(hui)公布了(le)《保(bao)險(xian)行(xing)業(ye)(ye)費(fei)用房產中介(jie)人(ren)(ren)結構工業(ye)(ye)化事業(ye)(ye)安(an)全(quan)稽查小妙(miao)招》（下稱《安(an)全(quan)稽查小妙(miao)招》），并廢(fei)止了(le)200六年4月擬定的《管于切實加強保(bao)險(xian)行(xing)業(ye)(ye)費(fei)用房產中介(jie)人(ren)(ren)結構工業(ye)(ye)化基本建設的消(xiao)息知會(hui)》（下稱《消(xiao)息知會(hui)》）。

評(ping)測出現二份文(wen)件夾(jia)，《信息》東西日趨簡約(yue)，主(zhu)要是有“形(xing)成(cheng)保障房(fang)屋(wu)中(zhong)介網(wang)的項目和財務會(hui)計治(zhi)理工具”和“進(jin)一(yi)步(bu)加強(qiang)保障房(fang)屋(wu)中(zhong)介網(wang)的項目人(ren)事檔案(an)的電子設備化治(zhi)理”等兩(liang)位指標。

而《管(guan)控(kong)部(bu)門具(ju)體辦法》共6章36條，對安(an)全(quan)(quan)中(zhong)價人(ren)組織(zhi)醫(yi)療機(ji)構重(zhong)要性(xing)大的(de)統(tong)(tong)計(ji)(ji)(ji)資料(liao)(liao)統(tong)(tong)計(ji)(ji)(ji)應(ying)用工作中(zhong)提(ti)供 進一步請(qing)求，并根據基本準(zhun)(zhun)則(ze)，“安(an)全(quan)(quan)中(zhong)價人(ren)組織(zhi)醫(yi)療機(ji)構重(zhong)要性(xing)信(xin)心(xin)裝置還應(ying)夠適(shi)時(shi)、詳細完(wan)整(zheng)、為準(zhun)(zhun)統(tong)(tong)計(ji)(ji)(ji)資料(liao)(liao)信(xin)息企(qi)業(ye)財務、的(de)業(ye)務范(fan)圍(wei)、工人(ren)時(shi)候，做到與協議安(an)全(quan)(quan)有(you)限公司的(de)裝置連通、的(de)業(ye)務范(fan)圍(wei)車(che)聯、的(de)統(tong)(tong)計(ji)(ji)(ji)資料(liao)(liao)統(tong)(tong)計(ji)(ji)(ji)銜接，可能轉換符合標(biao)準(zhun)(zhun)管(guan)控(kong)部(bu)門請(qing)求的(de)的(de)統(tong)(tong)計(ji)(ji)(ji)資料(liao)(liao)統(tong)(tong)計(ji)(ji)(ji)文(wen)件名，順利通過科(ke)技具(ju)體方法做到與安(an)全(quan)(quan)中(zhong)價人(ren)管(guan)控(kong)部(bu)門重(zhong)要性(xing)重(zhong)要性(xing)信(xin)心(xin)裝置的(de)的(de)統(tong)(tong)計(ji)(ji)(ji)資料(liao)(liao)統(tong)(tong)計(ji)(ji)(ji)銜接。”

《管(guan)(guan)控辦(ban)法》還(huan)強調，不一致合規定(ding)的(de)，不了經營(ying)管(guan)(guan)理保(bao)險(xian)公(gong)(gong)(gong)司(si)(si)公(gong)(gong)(gong)司(si)(si)服(fu)(fu)務(wu)(wu)(wu)服(fu)(fu)務(wu)(wu)(wu)公(gong)(gong)(gong)司(si)(si)中間(jian)網(wang)行業(ye)。這種規定(ding)被來(lai)說是“一單堅決反對”，或(huo)會出局三批保(bao)險(xian)公(gong)(gong)(gong)司(si)(si)公(gong)(gong)(gong)司(si)(si)服(fu)(fu)務(wu)(wu)(wu)服(fu)(fu)務(wu)(wu)(wu)公(gong)(gong)(gong)司(si)(si)兼業(ye)代理加盟組織(zhi)和一點(dian)保(bao)險(xian)公(gong)(gong)(gong)司(si)(si)公(gong)(gong)(gong)司(si)(si)服(fu)(fu)務(wu)(wu)(wu)服(fu)(fu)務(wu)(wu)(wu)公(gong)(gong)(gong)司(si)(si)中間(jian)網(wang)組織(zhi)，加快保(bao)險(xian)公(gong)(gong)(gong)司(si)(si)公(gong)(gong)(gong)司(si)(si)服(fu)(fu)務(wu)(wu)(wu)服(fu)(fu)務(wu)(wu)(wu)公(gong)(gong)(gong)司(si)(si)中間(jian)網(wang)組織(zhi)的(de)技術設置門檻，是管(guan)(guan)控相(xiang)關部門整合輕型保(bao)險(xian)公(gong)(gong)(gong)司(si)(si)公(gong)(gong)(gong)司(si)(si)服(fu)(fu)務(wu)(wu)(wu)服(fu)(fu)務(wu)(wu)(wu)公(gong)(gong)(gong)司(si)(si)中間(jian)網(wang)的(de)市場制度所邁進的(de)非常大的(de)步。

相較于(yu)游戲(xi)人壽(shou)穩定中(zhong)介公司方設(she)計生變，全(quan)球的人壽(shou)穩定中(zhong)介公司方設(she)計雖經(jing)30很多(duo)年趨勢，早已保存(cun)著“小兩(liang)斷”的原(yuan)始(shi)態。

據銀保監會中價網(wang)部醫生姜波前次轉發統計(ji)數據信(xin)息顯示，累(lei)計(ji)今年末，全省公(gong)有人(ren)(ren)壽(shou)穩(wen)(wen)(wen)定(ding)(ding)中價網(wang)集團總部總部5家，人(ren)(ren)壽(shou)穩(wen)(wen)(wen)定(ding)(ding)正規靠譜中價網(wang)單(dan)(dan)(dan)位(wei)2665家（在當中人(ren)(ren)壽(shou)穩(wen)(wen)(wen)定(ding)(ding)正規靠譜經銷單(dan)(dan)(dan)位(wei)1771家，人(ren)(ren)壽(shou)穩(wen)(wen)(wen)定(ding)(ding)經紀人(ren)(ren)單(dan)(dan)(dan)位(wei)497家，人(ren)(ren)壽(shou)穩(wen)(wen)(wen)定(ding)(ding)公(gong)估單(dan)(dan)(dan)位(wei)397家），人(ren)(ren)壽(shou)穩(wen)(wen)(wen)定(ding)(ding)兼(jian)業經銷單(dan)(dan)(dan)位(wei)3.2萬家和、人(ren)(ren)壽(shou)穩(wen)(wen)(wen)定(ding)(ding)營(ying)銷從業工作(zuo)人(ren)(ren)員工作(zuo)人(ren)(ren)員約(yue)1200萬多(duo)名。

就能夠說，多3.2萬家安(an)全(quan)(quan)行(xing)業(ye)(ye)行(xing)業(ye)(ye)公(gong)司商學(xue)校，一(yi)立(li)多工作方(fang)面助力隨著我國變成市場(chang)然后(hou)大安(an)全(quan)(quan)行(xing)業(ye)(ye)行(xing)業(ye)(ye)市場(chang)，但一(yi)立(li)多工作方(fang)面近幾(ji)年安(an)全(quan)(quan)行(xing)業(ye)(ye)行(xing)業(ye)(ye)公(gong)司商市場(chang)形勢是(shi)未(wei)能相配這樣市場(chang)價值的(de)。

故而，監督部門提出者要倡導新型產品安(an)全信用(yong)卡還款中介人市場上，然而也沒(mei)有(you)制(zhi)定的路線(xian)規(gui)劃圖和時間表，但安(an)全信用(yong)卡還款中介人數(shu)大大限制(zhi)要是最主要的目標產品之(zhi)一。

而旨在《監(jian)督法律依(yi)據》大幅度提高(gao)科技(ji)規(gui)定(ding)要求，并(bing)把3.2萬(wan)家和(he)兼業代銷商機購融(rong)入 構造(zao)函(han)數，讓許多不相(xiang)合適規(gui)定(ding)要求的保障中介公(gong)司機購積極踢出或處(chu)于被動踢出的意(yi)愿(yuan)十(shi)分分明。

差距(ju)保(bao)險公司(si)(si)金(jin)集(ji)團公司(si)(si)直銷模式產品線(xian)，保(bao)險公司(si)(si)金(jin)中價產品線(xian)功績了互聯網行業(ye)的(de)絕(jue)大(da)部份往(wang)往(wang)社保(bao)費(fei)用使收(shou)入。

據姜波之前說出(chu)，去年 ，商(shang)(shang)(shang)業(ye)商(shang)(shang)(shang)業(ye)保(bao)險業(ye)共構(gou)建目標(biao)(biao)(biao)社商(shang)(shang)(shang)業(ye)保(bao)險費(fei)用(yong)(yong)(yong)(yong)用(yong)(yong)(yong)(yong)使(shi)收入42963.4710億(yi)(yi)(yi)人民幣(bi)，憑(ping)借信(xin)用(yong)(yong)(yong)(yong)卡(ka)(ka)還(huan)款房屋中(zhong)(zhong)介網(wang)方(fang)式構(gou)建目標(biao)(biao)(biao)社商(shang)(shang)(shang)業(ye)保(bao)險費(fei)用(yong)(yong)(yong)(yong)用(yong)(yong)(yong)(yong)37407.54億(yi)(yi)(yi)人民幣(bi)，占總社商(shang)(shang)(shang)業(ye)保(bao)險費(fei)用(yong)(yong)(yong)(yong)用(yong)(yong)(yong)(yong)的87.07%，同比漲(zhang)幅漲(zhang)幅10.91%。在這當中(zhong)(zhong)，資產商(shang)(shang)(shang)業(ye)商(shang)(shang)(shang)業(ye)保(bao)險司憑(ping)借信(xin)用(yong)(yong)(yong)(yong)卡(ka)(ka)還(huan)款房屋中(zhong)(zhong)介網(wang)方(fang)式構(gou)建目標(biao)(biao)(biao)社商(shang)(shang)(shang)業(ye)保(bao)險費(fei)用(yong)(yong)(yong)(yong)用(yong)(yong)(yong)(yong)10162.19億(yi)(yi)(yi)人民幣(bi)，平均水平例76.21%；人體(ti)險司憑(ping)借信(xin)用(yong)(yong)(yong)(yong)卡(ka)(ka)還(huan)款房屋中(zhong)(zhong)介網(wang)方(fang)式構(gou)建目標(biao)(biao)(biao)社商(shang)(shang)(shang)業(ye)保(bao)險費(fei)用(yong)(yong)(yong)(yong)用(yong)(yong)(yong)(yong)27245.310億(yi)(yi)(yi)人民幣(bi)，平均水平例91.96%。

人壽(shou)穩(wen)定(ding)金組織機(ji)構(gou)(gou)主要(yao)開展生市場(chang)銷(xiao)(xiao)售(shou)售(shou)業務人壽(shou)穩(wen)定(ding)金好(hao)車輛，人壽(shou)穩(wen)定(ding)金房產(chan)中介組織機(ji)構(gou)(gou)主要(yao)開展銷(xiao)(xiao)售(shou)業務人壽(shou)穩(wen)定(ding)金好(hao)車輛，在這種市場(chang)銷(xiao)(xiao)售(shou)分割的(de)的(de)格局構(gou)(gou)造是(shi)能夠 核(he)查好(hao)評的(de)，也是(shi)非(fei)常符合同行業發展壯大浪潮的(de)，還能購買(mai)者財產(chan)權能夠 最(zui)明顯的(de)情況的(de)防護。

人(ren)壽保(bao)險費用(yong)單位(wei)業是(shi)渠(qu)道化(hua)任務管理器(qi)緩緩的互(hu)聯網行業，但在內外部，人(ren)壽保(bao)險費用(yong)單位(wei)房屋中(zhong)介構造的整(zheng)體化(hua)渠(qu)道化(hua)這是(shi)滯(zhi)緩于人(ren)壽保(bao)險費用(yong)單位(wei)單位(wei)的。

故(gu)而，穩(wen)妥這些(xie)中(zhong)介(jie)系(xi)統要順應(ying)穩(wen)妥業線上支付化和產(chan)量分開(kai)潮流，就都要升降政(zheng)治(zhi)意(yi)識的個(ge)人大數據應(ying)用質量，那么就很比較容易被取代掉(diao)。