CBRC: financial management of funds of commercial banks can not play new stocks

Commercial banks can not finance capital investment in new shares of stock could be hit July 8, in order to further regulate the commercial banking business, personal finance investment management activities to promote healthy and orderly development of financial business, personal finance for commercial banks to the actual situation of business development, based on "commercial banks Interim Measures for the Administration of Personal Financial Services" (hereinafter referred to as "methods" such as regulatory laws and regulations, the China Banking Regulatory Commission today released, "the China Banking Regulatory Commission to further regulate the commercial banks on the Personal Financial Services Investment Management issues related to notification" (hereinafter referred to as "Notice"), which mentioned that the commercial banks financial management of funds shall be invested in the territory of the secondary market for publicly traded stock or related securities investment funds, but can participate in purchase of new shares. China Banking Regulatory Commission announced on the 8th, "the China Banking Regulatory Commission to further regulate the commercial banks on the Personal Financial Services Investment Management issues related to notification," "notice" a total of 22, requiring commercial banks to conduct personal financial business should be strict compliance with state laws and regulations, as well as "measures" the relevant provisions of careful due diligence on the sale of financial products to our pool of funds (hereinafter referred to as financial capital) to carry out scientific and effective investment management. "Notice" requirements of commercial banks should be in accordance with customer interests and the principle of risk-bearing capacity, and establish and improve the internal control and risk management system and check regularly or irregularly-related system and operating mechanism to protect the financial capital of the combined investment management and effectiveness of regulation. "Notice" that commercial banks should be in a full analysis of the macroeconomic and financial markets on the basis of the investment funds to determine the scope of financial management and investment ratio and reasonable to carry out asset allocation, risk diversification. "Notice" requirements of commercial banks should adhere to a prudent, sound financial management principles of the funds for investment management, shall not invest in a significant loss of principal may result in high-risk financial products, as well as the structure is too complex financial products. "Notice" section 5 of that commercial banks should carry out scientific and reasonable customer classification, according to the customer's risk tolerance and their ability to provide suitable financial products. Commercial banks should be classified as financial customers have the investment experience of customers and clients without investment experience, and document management products marked by the appropriate types of clients; only suitable for customers of financial management experience in the investment products may not be lower than the starting point for the amount of 100,000 yuan yuan (or its equivalent in foreign currency). "Notice" a specific reference to commercial banks to invest in financial capital may not be the territory of the secondary market for publicly traded stock or related securities investment funds. Financial capital to participate in purchase of new shares, shall be in accordance with state laws and regulations and regulatory requirements. In addition, the financial management of funds shall be invested in shares of unlisted companies and listed companies and trading of non-public offering of shares.

Insurance needs of different income families to buy insurance please big difference pigeon-holing

The economic situation of each family, staff composition, different expectations about the future, the demand for insurance will be very different. Ability to resist risks for the working group for the poor should be to get as much as possible花小钱protection; for high-income families, should be more from the financial point of view, to fully exploit the role of policy. Earners: Small investment big protection Working group of the family economic income mainly come from wage income, due to relatively weak economic base, the ability to resist risk is relatively poor, disease, accidents and other factors may be at any time to destroy their families. For such a family, insurance is particularly important function. Limited capital investment in the next (life insurance planners recommended that such families to the annual income of 5% ~ 10% of the insurance), to be large to protect small input, that is to buy pure consumer protection-type insurance, the return of type, investment type as a supplement in order to cover the event, unfortunately, occur during the funding shortfall. Insurance when such families if they do not have the guidance of professional planners, they most likely will not be fully taken into account their own economic situation and the funding gap will be the blind pursuit of dividends, the risk occurs when the lines to understand the importance of security. Luen Thai Metropolitan Life Insurance Company Principal Planner LI Wen-qing, said he had met a customer, only the President three years ago a similar pension insurance products, premiums paid 20,000 years, the result in the insurance Unfortunately, Mr. the second year after suffering from brain death, the insurance just the return of the death of the insured amount of the premium has to pay 40,000 yuan, only less than a year to maintain the family's living expenses. As everyone knows, the same premiums if the purchase of pure protection products, the insured amount can be as high as hundreds of million Case: Peter, working-class, 31-year-old, the annual Income 10 million;吴太太27-year-old, the annual income 5 million; 2-year-old son, plans to prepare 500,000 yuan for their children's education payments, mortgage 400,000 yuan / 20 years, monthly living expenses for 5,000 families. After calculation, the cost of the family for the 2.10 million shortfall. According to income ratio in the Wu family to assume responsibility for 2 / 3,吴太太assume 1 / 3. High income: the role of weight management Mining Policy High-income group have a relatively strong economic strength, the ability to resist in general the relative strength of the risk. Risk comes a few hundred thousand dollars more than ten million or even the risk for such a family will not pose a great threat to the insured at the same time protect the owner should be more from the fiscal considerations, select the appropriate insurance. Such families, even if a few years ago bought insurance, the insured amount will not be too general, it is recommended drying drying their regular insurance policy, a timely adjustment of the insurance plan, to play a deeper role in the policy. Case: Mr. Zhang, the company boss, 35-year-old, the annual income of 1,000,000 yuan; Zhang his wife, 30-year-old wife, full-time; 5-year-old son, the family five million yuan of assets. This demand for high-income families and wage earners are not the same, their concern is not the mortgage, education costs, but the company cash flow, assets, risk, tax, inheritance, pension and so on. Proposals: the insurance program can be divided into life insurance assets and prepare for life insurance annuity insurance pension in two ways. (1) five million yuan for life insurance (protection of life, pay for 20 years, the annual premium to pay 119,500 yuan). Responsibility for child growth during the period, can circumvent the death of Mr. Zhang took place or the whole residue to his wife and children when the risks associated with; also can use the policy cash value (201, -0.21, -0.10%) value of 90% to insurance companies loans to cope with the liquidity of urgency; old age can get a part of the funds for personal use or the use of the insured amount of high policy loan; ensure the safety of family assets, the future can also circumvent the inheritance tax. (2) life insurance annuity dividend-based (60 years of age to receive for life, from 100,000 yuan in 20 years to pay annual premiums to pay 76,973 yuan), raise the standard of living of the elderly, supplementary pension. A total of 196,473 yuan in premiums to pay a total of 500 million and insurance 10 per year plus annual pension million dividend. Be used for other purposes the protection of old age, Mr. Zhang to live more at ease, more boldly carried out their own careers.

Knowledge of an article on auto insurance articles

1, vehicle insurance Category: Vehicle insurance, there are two, namely, loss of vehicle insurance and third party liability insurance. Mainly refers to the loss vehicle insurance vehicle itself (including the preparation of the vehicle parts and equipment) in the park or moving insurance. Third party liability insurance mainly refers to the insured person or his or her driving to allow the use of insurance in vehicle accidents, resulting in a third party (such as the pedestrian street, property, etc., and all drivers and vehicles are not the first three) suffered personal injury or property damage insurance directly. Two types of insurance, there are strict distinction, but not including the driver's own insurance. If drivers want to their own safety, insurance, the insured motor vehicle drivers need personal accident insurance or other personal insurance. In insurance, the driver and two insurance units can be insured and the insured can choose one of them. In order to enable individuals or units to be more complete financial security, two types of insurance can be the best insurance. 2, the procedures for handling insurance: Those who owned or collectively owned enterprises, state organs, institutions, people's organizations, individuals or households all together (or shared with others) vehicles, as long as牌证complete inspection by the vehicle management qualified, may apply to the National People's insurance companies. (1) personal insurance procedures: the vehicle to the insurance company designated location, accompanied带齐own work permits, identity cards, in a letter of recommendation, a driver's license, vehicle insurance card and magnetic magnetic document the vehicle, if it is engaged in individual operating the vehicle, but also bring a business license, and to the local insurance companies insured the Operations Section for procedures. Inspection by the insurance companies that the relevant documents that meet the insurance conditions, fill in single-vehicle insurance. Insurance companies correctly fill out the check after a single coverage, depending on the circumstances necessary for the inspection of vehicles, if the conditions in line with the insurance, we can determine from time security and nuclear premiums. Paul from the time a decision by the policyholder can begin immediately, it can be scheduled for the insured. Insurance companies in insurance alone indicate year, month, day, time until the points, respectively, by the insurance companies, and signed and sealed by the insured, the insurance policy entered into force with effect from the agreed date of 0:00 to start the day, to the agreed expiry date of the day 24 pm. Insurance is valid for 1 year is limited, can be more than 1 year but not less than 1 year. Expired can be renewable, but to re-processing. Insurance single in duplicate, respectively, from the custody of insurance companies and policyholders. If出险in the insurance period, the claim is based on a policy of insurance and insurance is paid receipt. (2) insurance procedures for collective units: In addition to bring the necessary documents, needed to open the models listed in the insured vehicle, brand, etc. No. traveling, insurance companies can process according to the specific circumstances of the insured or sent to processing units. At present, most provinces and cities have implemented the approach to the compulsory insurance of motor vehicles, insurance companies, usually in the vehicle inspection staff to send the vehicles to be tested at the same time, as a vehicle for direct insurance business. (3) third party liability insurance coverage procedures: essentially the same as the above can be lost with the vehicle insured at the same time. 3, the calculation of insurance premiums: the premium is the policyholder to the insurance company to pay the cost of insurance. In the calculation of insurance premiums, we should first find out the approved premium rate. China People's Insurance Company of motor vehicle insurance premium rates are clearly defined. Branch of the insurance provisions in the insured vehicle determined on the basis of the specific premium rates, in determining the number of standards should have the following: (1) If a vehicle doubles as a different purpose (for example, both cargo and passenger, or both for their own use and business ), at high rates; (2) If the rental vehicle and professional or other passenger transport vehicles loaded freight charge and rental of vehicles, business vehicles should be calculated in accordance with premium rates. In addition, the individual, the family transport business registration to the administrative department for industry and licensed vehicles, commercial vehicles should also approved premium rate. 4, loss of vehicles to determine insurance liability insurance: the insured risk of loss of vehicle moving or parked vehicles, if any of the following result in loss of vehicle insurance, insurance companies should bear the liability and responsibility for damages: (1) collisions, overturning, fire or explosion; (2) storms, tornadoes, lightning, floods, tsunamis, earthquakes, land subsidence, collapsing cliffs, sand storms, hail, mud-rock flows, the tunnel collapsed, the air movement of falling objects; (3) the entire car stolen more than three months; (4) to carry insurance of the vehicle ferry across the river the event of natural disasters or accidents have resulted in the vehicle the driver take care of the damage caused by vehicles. In addition, insurance of vehicles as a result of the above reasons and to protect, rescue measures for the reasonable costs incurred, the insurance company should pay compensation. 5, insurance stolen vehicles should be reported immediately to the public security departments, insurance companies and the record: the entire vehicle theft for more than 3 months have not yet found supporting sustainable claim to the insurance companies. If only part of the stolen parts, insurance companies will be liable. If, after the theft, car theft were caused from the loss of the vehicle itself, but also claims to insurance companies, but the car insurance to drive the vehicle caused by accidents, the economic loss in accordance with the relevant departments to determine the award. The entire car stolen three months later, the insurance company has paid and then found the vehicle, or return back to the whole car insurance Jinling, or the entire vehicle from the insurance companies dealt with by the two party consultation. 6, the insurance of vehicles in need of repair, when loss of how to deal with: insurance accident vehicles suffered losses, the scope of responsibility should be clear. If it is inside the insurance losses are in need of repair should report promptly to the insurance companies, and with the relevant departments to carry out inspection, repair a clear project scope and estimated cost of repairing the future with the insurance company agreed to carry out repairs. After the repair, with the cost of repairing listed documents (including materials and labor a few), to insurance companies to apply for compensation. 7, except for vehicles liability insurance to determine: that is, except for liability insurance of vehicles is not the loss suffered by the insurance company of liability. Responsibility belongs to, except: (1) due to war, military operations, hostilities or armed conflict, damage to vehicles, including the acquisition of vehicles, detention, seizure, confiscation, closures, etc., directly or indirectly caused by losses and costs; (2) imposed on the insured person or the intentional acts or offenses; (3) competition, test speed, without a formal driver's license, drink-driving, drug driving under anesthesia, resulting in loss of vehicle insurance; (4) the vehicle normal wear and tear, corrosion as well as their own child burst, the normal vehicle repair, maintenance and painting costs as well as non-disaster losses caused by the accident; (5) damaged vehicles without the necessary repair and continue to be used, resulting in loss of part of the expansion; (6) occurred in vehicles disasters and accidents, resulting in the closure, such as suspended indirect losses; (7) other matters outside the scope of insurance losses and expenses. 8, third party liability insurance, except insurance liability and responsibility to determine: the insured person or his or her driving to allow the use of insurance in vehicle accidents, resulting in a third party personal injury suffered directly or property damage, in the law by the insurance burden of the financial liability. However, the resulting insurance companies are not responsible for remedial work, and shall be borne by the insurer to deal with. Third party liability insurance for the determination of the distinction between the following criteria: (1) insurance for all vehicles (including the driver, conductor, half of workers, passengers and passengers, etc.) do not belong to a third party, but the public vehicles in terms of insurance, in addition to the driver as long as other people outside the car, it becomes a third party; (2) private insurance of vehicles insured and their family members, whether in the car or in the car, the do not belong to the first three; (3) property insurance on the vehicle, the insured person or the driver or the escrow of all property, not belonging to a third party, but planning for larger units insured, the interpretation of the property be decided through mutual consultation by the insured . Therefore vehicle accident insurance, the following personnel casualties or property damage will not be a third party insurance coverage: A. all of the vehicles and property; B. The driver of the vehicle; C. insured people of all or a financial escrow, insurance and the types of vehicles: vehicle insurance, there are two, namely, loss of vehicle insurance and third party liability insurance. Mainly refers to the loss vehicle insurance vehicle itself (including the preparation of the vehicle parts and equipment) in the park or moving insurance. Third party liability insurance mainly refers to the insured person or his or her driving to allow the use of insurance in vehicle accidents, resulting in a third party (such as the pedestrian street, property, etc., and all drivers and vehicles are not the first three) suffered personal injury or property damage insurance directly. Two types of insurance, there are strict distinction, but not including the driver's own insurance. If drivers want to their own safety, insurance, the insured motor vehicle drivers need personal accident insurance or other personal insurance. In insurance, the driver and two insurance units can be insured and the insured can choose one of them. In order to enable individuals or units to be more complete financial security, two types of insurance can be the best insurance. 2, the procedures for handling insurance: Those who owned or collectively owned enterprises, state organs, institutions, people's organizations, individuals or households all together (or shared with others) vehicles, as long as牌证complete inspection by the vehicle management qualified, may apply to the National People's insurance companies. (1) personal insurance procedures: the vehicle to the insurance company designated location, accompanied带齐own work permits, identity cards, in a letter of recommendation, a driver's license, vehicle insurance card and magnetic magnetic document the vehicle, if it is engaged in individual operating the vehicle, but also bring a business license, and to the local insurance companies insured the Operations Section for procedures. Inspection by the insurance companies that the relevant documents that meet the insurance conditions, fill in single-vehicle insurance. Insurance companies correctly fill out the check after a single coverage, depending on the circumstances necessary for the inspection of vehicles, if the conditions in line with the insurance, we can determine from time security and nuclear premiums. Paul from the time a decision by the policyholder can begin immediately, it can be scheduled for the insured. Insurance companies in insurance alone indicate year, month, day, time until the points, respectively, by the insurance companies, and signed and sealed by the insured, the insurance policy entered into force with effect from the agreed date of 0:00 to start the day, to the agreed expiry date of the day 24 pm. Insurance is valid for 1 year is limited, can be more than 1 year but not less than 1 year. Expired can be renewable, but to re-processing. Insurance single in duplicate, respectively, from the custody of insurance companies and policyholders. If出险in the insurance period, the claim is based on a policy of insurance and insurance is paid receipt. (2) insurance procedures for collective units: In addition to bring the necessary documents, needed to open the models listed in the insured vehicle, brand, etc. No. traveling, insurance companies can process according to the specific circumstances of the insured or sent to processing units. At present, most provinces and cities have implemented the approach to the compulsory insurance of motor vehicles, insurance companies, usually in the vehicle inspection staff to send the vehicles to be tested at the same time, as a vehicle for direct insurance business. (3) third party liability insurance coverage procedures: essentially the same as the above can be lost with the vehicle insured at the same time. 3, the calculation of insurance premiums: the premium is the policyholder to the insurance company to pay the cost of insurance. In the calculation of insurance premiums, we should first find out the approved premium rate. China People's Insurance Company of motor vehicle insurance premium rates are clearly defined. Branch of the insurance provisions in the insured vehicle determined on the basis of the specific premium rates, in determining the number of standards should have the following: (1) If a vehicle doubles as a different purpose (for example, both cargo and passenger, or both for their own use and business ), at high rates; (2) If the rental vehicle and professional or other passenger transport vehicles loaded freight charge and rental of vehicles, business vehicles should be calculated in accordance with premium rates. In addition, the individual, the family transport business registration to the administrative department for industry and licensed vehicles, commercial vehicles should also approved premium rate. 4, loss of vehicles to determine insurance liability insurance: the insured risk of loss of vehicle moving or parked vehicles, if any of the following result in loss of vehicle insurance, insurance companies should bear the liability and responsibility for damages: (1) collisions, overturning, fire or explosion; (2) storms, tornadoes, lightning, floods, tsunamis, earthquakes, land subsidence, collapsing cliffs, sand storms, hail, mud-rock flows, the tunnel collapsed, the air movement of falling objects; (3) the entire car stolen more than three months; (4) to carry insurance of the vehicle ferry across the river the event of natural disasters or accidents have resulted in the vehicle the driver take care of the damage caused by vehicles. In addition, insurance of vehicles as a result of the above reasons and to protect, rescue measures for the reasonable costs incurred, the insurance company should pay compensation. 5, insurance stolen vehicles should be reported immediately to the public security departments, insurance companies and the record: the entire vehicle theft for more than 3 months have not yet found supporting sustainable claim to the insurance companies. If only part of the stolen parts, insurance companies will be liable. If, after the theft, car theft were caused from the loss of the vehicle itself, but also claims to insurance companies, but the car insurance to drive the vehicle caused by accidents, the economic loss in accordance with the relevant departments to determine the award. The entire car stolen three months later, the insurance company has paid and then found the vehicle, or return back to the whole car insurance Jinling, or the entire vehicle from the insurance companies dealt with by the two party consultation. 6, the insurance of vehicles in need of repair, when loss of how to deal with: insurance accident vehicles suffered losses, the scope of responsibility should be clear. If it is inside the insurance losses are in need of repair should report promptly to the insurance companies, and with the relevant departments to carry out inspection, repair a clear project scope and estimated cost of repairing the future with the insurance company agreed to carry out repairs. After the repair, with the cost of repairing listed documents (including materials and labor a few), to insurance companies to apply for compensation. 7, except for vehicles liability insurance to determine: that is, except for liability insurance of vehicles is not the loss suffered by the insurance company of liability. Responsibility belongs to, except: (1) due to war, military operations, hostilities or armed conflict, damage to vehicles, including the acquisition of vehicles, detention, seizure, confiscation, closures, etc., directly or indirectly caused by losses and costs; (2) imposed on the insured person or the intentional acts or offenses; (3) competition, test speed, without a formal driver's license, drink-driving, drug driving under anesthesia, resulting in loss of vehicle insurance; (4) the vehicle normal wear and tear, corrosion as well as their own child burst, the normal vehicle repair, maintenance and painting costs as well as non-disaster losses caused by the accident; (5) damaged vehicles without the necessary repair and continue to be used, resulting in loss of part of the expansion; (6) occurred in vehicles disasters and accidents, resulting in the closure, such as suspended indirect losses; (7) other matters outside the scope of insurance losses and expenses. 8, third party liability insurance, except insurance liability and responsibility to determine: the insured person or his or her driving to allow the use of insurance in vehicle accidents, resulting in a third party personal injury suffered directly or property damage, in the law by the insurance burden of the financial liability. However, the resulting insurance companies are not responsible for remedial work, and shall be borne by the insurer to deal with. Third party liability insurance for the determination of the distinction between the following criteria: (1) insurance for all vehicles (including the driver, conductor, half of workers, passengers and passengers, etc.) do not belong to a third party, but the public vehicles in terms of insurance, in addition to the driver as long as other people outside the car, it becomes a third party; (2) private insurance of vehicles insured and their family members, whether in the car or in the car, the do not belong to the first three; (3) property insurance on the vehicle, the insured person or the driver or the escrow of all property, not belonging to a third party, but planning for larger units insured, the interpretation of the property be decided through mutual consultation by the insured . Therefore vehicle accident insurance, the following personnel casualties or property damage will not be a third party insurance coverage: A. all of the vehicles and property; B. The driver of the vehicle; C. insured escrow person or the property of all; D. private insurance of vehicles insured and their family members, in addition, the insurance vehicle accidents, resulting in a third party power, production, business and other indirect losses, not the insurance company compensable. 9, insurance vehicles to deal with the accident: vehicle insurance after the accident, the driver in addition to emergency treatment in accordance with the relevant provisions of the wounded and property and to report on traffic management department should immediately report to the insurance companies. Insurance companies will be sent to the scene of the accident situation in the survey, or to the traffic management departments to understand the situation to determine issues of liability. The driver should reflect the risk of seeking truth from facts, the insurance companies do a good job with the work. If it is at the same time retain third-party vehicle liability insurance, insurance companies will be on the injured and properly handle the same. If the incident is not the responsibility of insurance companies or insurance units failed to meet its obligations under, the insurance company will not take responsibility, and issued a written notice twelve. 10, the insured obligations: the driver once the insurance contract, the insured person has become, at the same time, fulfill the following obligations: (1) when the signing of a policy of insurance premiums paid (with the special compliance agreement may be introduced in phases about payment); (2) to comply with traffic rules and drive safely, and do a good job in vehicle maintenance, maintenance work, inspection and repair schedule, so that the insurance of the vehicles are maintained in proper working condition; (3) vehicle liability insurance within the scope of losses, should take measures to prevent the loss of the expansion of the ambulance, a timely manner to public security, traffic reports, and notify the insurance company; (4) shall not use the insurance of vehicles and operators to engage in illegal activities; (5) seeking truth from facts, not to conceal the truth, with the insurance companies good work. 11, to apply for compensation: the insured person being within the scope of liability for loss 5 days after 1 year should apply for compensation to the insurance company, or punished for voluntarily giving up the rights and interests of the future, it may not be applying for compensation. Applying for compensation, the insured company to provide insurance to the original file to prove the accident, accident closed mediation book list and the cost of loss of documents, as well as other necessary credentials. The insured person should be reasonable, accurate, and each document are well-founded, especially for third party liability and claims should be in compliance. Upon receipt of insurance applications for compensation, in accordance with traffic management departments to deal with the provisions of the incident is examined and verified, the vehicle for the agreed compensation for loss, third-party liability insurance for the amount of compensation determined in accordance with the law. Once established, the insurance company within 10 days of delivery of compensation. Compensation should be in 1 year to receive, or to abandon punished. Production; D. private insurance of vehicles insured and their family members, in addition, the insurance vehicle accidents, resulting in a third party power, production, business and other indirect losses, the insurance company is not compensable. 9, insurance vehicles to deal with the accident: vehicle insurance after the accident, the driver in addition to emergency treatment in accordance with the relevant provisions of the wounded and property and to report on traffic management department should immediately report to the insurance companies. Insurance companies will be sent to the scene of the accident situation in the survey, or to the traffic management departments to understand the situation to determine issues of liability. The driver should reflect the risk of seeking truth from facts, the insurance companies do a good job with the work. If it is at the same time retain third-party vehicle liability insurance, insurance companies will be on the injured and properly handle the same. If the incident is not the responsibility of insurance companies or insurance units failed to meet its obligations under, the insurance company will not take responsibility, and issued a written notice twelve. 10, the insured obligations: the driver once the insurance contract, the insured person has become, at the same time, fulfill the following obligations: (1) when the signing of a policy of insurance premiums paid (with the special compliance agreement may be introduced in phases about payment); (2) to comply with traffic rules and drive safely, and do a good job in vehicle maintenance, maintenance work, inspection and repair schedule, so that the insurance of the vehicles are maintained in proper working condition; (3) vehicle liability insurance within the scope of losses, should take measures to prevent the loss of the expansion of the ambulance, a timely manner to public security, traffic reports, and notify the insurance company; (4) shall not use the insurance of vehicles and operators to engage in illegal activities; (5) seeking truth from facts, not to conceal the truth, with the insurance companies good work. 11, to apply for compensation: the insured person being within the scope of liability for loss 5 days after 1 year should apply for compensation to the insurance company, or punished for voluntarily giving up the rights and interests of the future, it may not be applying for compensation. Applying for compensation, the insured company to provide insurance to the original file to prove the accident, accident closed mediation book list and the cost of loss of documents, as well as other necessary credentials. The insured person should be reasonable, accurate, and each document are well-founded, especially for third party liability and claims should be in compliance. Upon receipt of insurance applications for compensation, in accordance with traffic management departments to deal with the provisions of the incident is examined and verified, the vehicle for the agreed compensation for loss, third-party liability insurance for the amount of compensation determined in accordance with the law. Once established, the insurance company within 10 days of delivery of compensation. Compensation should be in 1 year to receive, or to abandon punished.

China's insurance industry, the real bottleneck in development: claims difficult to

China's insurance industry is starting from the beginning in 1949, after the reform and opening up a very good development, insurance companies have also developed dozens of current, the size of the assets of the insurance industry has more than trillion yuan, the development of the industry as a whole not that unhappy; but after the start of reform, with the entry of foreign insurance companies, the introduction of the concept of insurance agents, insurance industry played a significant role in promoting, but the insurance agent system should be the negative effects caused by far greater than that of the positive side, insurance agents need in order to performance, there has been deceiving the insured, privately insured embezzle money is not such a serious incident of good faith; later state qualifying examination for insurance agents, the adverse events reduction, but the insurance industry's public image has been greatly reduced, with the financial sector are banking, securities, compared to a far cry from the. The author is located in Guangzhou as an example: "in 2005 in Guangzhou Economic and Social Development Statistical Communique", Guangzhou GDP is 511.575 billion yuan, finance and insurance industries, the city's financial institutions to 1173.41 billion yuan deposits, then add 1289.30 billion; in the insurance industry, the annual premium income of 15.863 billion yuan is only in the proportion of GDP is 3.1 percent, the bank deposits was added 12.3%, far lower than the banks and the securities industry; can be seen from At present, the insurance industry in the financial industry in the awkward position of. I have worked in China's Ping An Life Insurance Company, China Pacific Insurance Company and American International Assurance Company Claims Department for many years, claims the status quo of the insurance industry also have their own personal experience to form their own judgments: the development of the insurance industry should be the real bottleneck claims difficult, rather than in marketing to promote the above. At present, the insurance company is not in the marketing efforts is not a year many of the various competitions, but the amount of the high surrender, claims litigation cases has increased year by year. By the China Insurance Regulatory Commission published the "Blue Book of China's insurance industry (2004-2005)" in the record: in 2005 the amount of life insurance surrender industry 48.69 billion yuan, representing an increase of 56.18 percent last year. As the largest province of the insurance in Guangdong, the province's premium income last year, only about 55 billion yuan. This explains the vast number of people do not trust insurance is very serious; resolve difficult claims to solve the people's trust in insurance. Surrender and insurance claims litigation and other cases can be better containment. The author claims that there are several reasons (in life insurance as an example): (1) insurance claims involving multi-professional disciplines, including clinical medicine, pharmacy laws and regulations, insurance, science, actuarial science and other professional disciplines, which involves medical must have the most knowledge, such as accident compensation assessed disability, payment of hospital fees, the payment of major diseases, such as insurance, will require substantial knowledge of Chinese medicine, and the general public is apparently not so much energy and time to master these things of; (2) the insurance company's own reasons: for example, obscure clause in the insurance policy, the author of medical workers to join the insurance company claims departments of insurance claims刚接触time, also feels that the terms of the contract confusing, not to mention the medical little knowledge of the general public; another example, at present much hubbub of Shanghai, Shenzhen, Guangzhou, customer surrender a major American insurance companies arising from sickness insurance litigation, there is reason in this regard. Moreover, the insurance agent's assessment is based on "performance论英雄" and a direct result of insurance agents in order to better performance, in order to have more of the commission, either intentionally or unintentionally mislead or deceive customers; and insurance companies in dealing with customer claims when, due to an uneven level of claims personnel objective and subjective factors, such as, leakage compensation, less compensation, such as improper twelve occurred from time to time, which has led to expected customers obviously do not trust the insurance companies; high surrender the amount of litigation claims many cases, it is that the problems in this area; (3) insurance regulatory authorities failed to fulfill their duties: Xinhuanet November 27, 2005: The Japanese Financial Services Agency to identify leakage compensation insurance industry in Japan, twelve problem is serious, the amount of money involved up to ¥ 8,400,000,000; and engaged in life insurance business in which the Meiji Yasuda Life Insurance Company in the past 5 years the amount of improper twelve 52 billion yen. See this message, we will ask: China Insurance Regulatory Commission to identify the annual compensation of the leak, what is the amount of improper twelve? ? Leakage of various insurance companies pay, what is the amount of improper twelve? ? May even do not know the China Insurance Regulatory Commission. (4) the reasons for customers: Customers buy the insurance when the insurance agent unilateral believe exaggerated; in an insurance policy, the terms of the contract of insurance do not take the initiative to understand and are familiar with. "Insurance Law", "Contract Law" and other insurance claims and related legal instruments on the little, resulting in insurance claims, more than a simple claim for the period of twelve cases, such as occur from time to time; added to the "difficult claims" misunderstanding. "Insurance easy, difficult claims," has now become a public summary of the insurance industry, profoundly out of the vast number of people dissatisfied with the insurance companies, but also hinder the entire development and expansion of the insurance industry; The good news is: the insurance companies have also taken a certain measures to solve the "difficult claims" this problem, for example, claims the amount of 500 yuan in the following summary赔案, the insurance company to pay compensation on the spot. However, in terms of the current large, these changes are pay car glass, far from people's expectations, more people did not return the trust of insurance companies, so the general public can only take the surrender, litigation and other extreme ways to to resolve insurance disputes, came to light through the media, the more heightened awareness of the difficult claims. Would be better to enlarge and strengthen the insurance industry, as well as on a par with the banking sector, on the urgent need to address the current prevalence of the insurance industry's "settlement difficult," this problem, we need to make more effort; which insurance companies should do more efforts, and even to sacrifice some immediate interests and to return people's confidence in the insurance industry. Policy of regulation, supervision of insurance claims should also be some stronger. For example, requiring the company claims the current rules for appropriate adjustments; such as "may lose some may not pay compensation" to "can not pay part of compensation paid to" strengthen the supervision of the twelve cases; focus on the current still in the marketing of insurance companies, requiring the company to enhance the ability of claims personnel training, to strengthen the claims of the agent training and moral education; at the same time people should be encouraged to trust the professional strength of the emergence of third-party together to solve the "difficult claims "The problem; to promote the healthy growth of the insurance industry.