為加(jia)強(qiang)(qiang)財(cai)產保(bao)(bao)險(xian)公司非(fei)車(che)(che)險(xian)業(ye)(ye)務(wu)(wu)(wu)監(jian)管(guan)(guan)，推動非(fei)車(che)(che)險(xian)業(ye)(ye)務(wu)(wu)(wu)理性競爭、降本增(zeng)效(xiao)、提(ti)質擴面(mian)，維護保(bao)(bao)險(xian)消費者合法(fa)權益，促進非(fei)車(che)(che)險(xian)業(ye)(ye)務(wu)(wu)(wu)高質量發展，近(jin)日，金(jin)融監(jian)管(guan)(guan)總局(ju)發布《關于加(jia)強(qiang)(qiang)非(fei)車(che)(che)險(xian)業(ye)(ye)務(wu)(wu)(wu)監(jian)管(guan)(guan)有關事項的通(tong)知》（以下簡稱《通(tong)知》）。

《通知》按照(zhao)防風(feng)險(xian)(xian)(xian)(xian)強(qiang)監管(guan)(guan)(guan)促高質量發展(zhan)的(de)(de)(de)工作思路，堅持(chi)問題導(dao)(dao)向、目標導(dao)(dao)向，聚焦(jiao)非車(che)險(xian)(xian)(xian)(xian)領域經(jing)(jing)營不規范(fan)、非理性競爭等問題，重點在六方面強(qiang)化(hua)要(yao)求(qiu)。一是優化(hua)考核機(ji)制(zhi)，推(tui)動(dong)財產(chan)保(bao)險(xian)(xian)(xian)(xian)公(gong)司非車(che)險(xian)(xian)(xian)(xian)業務(wu)經(jing)(jing)營理念，由追求(qiu)規模、速度(du)向追求(qiu)質量、效(xiao)益轉(zhuan)變(bian)。二是規范(fan)產(chan)品(pin)(pin)開發使(shi)用(yong)，強(qiang)化(hua)保(bao)險(xian)(xian)(xian)(xian)費(fei)率管(guan)(guan)(guan)理，嚴(yan)格(ge)執(zhi)行經(jing)(jing)備(bei)(bei)案(an)的(de)(de)(de)保(bao)險(xian)(xian)(xian)(xian)產(chan)品(pin)(pin)，推(tui)動(dong)非車(che)險(xian)(xian)(xian)(xian)產(chan)品(pin)(pin)的(de)(de)(de)使(shi)用(yong)符合(he)備(bei)(bei)案(an)內(nei)容(rong)。三是規范(fan)保(bao)費(fei)收入(ru)管(guan)(guan)(guan)理，要(yao)求(qiu)財產(chan)保(bao)險(xian)(xian)(xian)(xian)公(gong)司完(wan)善(shan)信息系統(tong)、健全(quan)內(nei)控機(ji)制(zhi)，從源頭嚴(yan)格(ge)財務(wu)管(guan)(guan)(guan)理。四(si)是強(qiang)化(hua)市場(chang)行為監管(guan)(guan)(guan)，對未按照(zhao)規定(ding)使(shi)用(yong)經(jing)(jing)備(bei)(bei)案(an)條款(kuan)費(fei)率，編制(zhi)或提供虛假報告、報表、文(wen)件、資料等行為，依法(fa)采(cai)取監管(guan)(guan)(guan)措施或實施行政處罰。五是推(tui)動(dong)改進(jin)非車(che)險(xian)(xian)(xian)(xian)承保(bao)理賠服(fu)務(wu)，提升服(fu)務(wu)便捷(jie)性，增強(qiang)保(bao)險(xian)(xian)(xian)(xian)消費(fei)者(zhe)獲得感(gan)。六是發揮(hui)行業組(zu)織(zhi)支(zhi)撐服(fu)務(wu)作用(yong)，有序(xu)推(tui)動(dong)非車(che)險(xian)(xian)(xian)(xian)標準化(hua)建設，為提升非車(che)險(xian)(xian)(xian)(xian)經(jing)(jing)營質量和監管(guan)(guan)(guan)實效(xiao)提供有力支(zhi)撐。

《通知》的(de)發布，是金融監(jian)(jian)管(guan)總局(ju)在深入調研和(he)廣泛(fan)征求意見基礎(chu)上推(tui)出的(de)重要舉措，是對非(fei)車險監(jian)(jian)管(guan)政(zheng)策的(de)全面梳理和(he)系統優化(hua)。《通知》堅(jian)持問題導向，把(ba)握市場規律，引導理性(xing)競爭，能夠(gou)有效促進(jin)非(fei)車險業務(wu)高質量(liang)發展，為人(ren)民群(qun)眾(zhong)和(he)經濟社會提供更加充分(fen)有效的(de)保險保障。

下一步(bu)，金融監管總局將(jiang)指導各派出機構和財產保險(xian)公司做好政(zheng)策落(luo)實，穩步(bu)推進非車(che)險(xian)監管要求落(luo)地見效(xiao)，更好維護保險(xian)消費者合法權益，實現非車(che)險(xian)業務高質量(liang)發展(zhan)。

附：國家金融監督管(guan)(guan)理總(zong)局關于加強非車險業(ye)務監管(guan)(guan)有關事項(xiang)的(de)通(tong)知

國家金融監督管理總(zong)局

金發〔2025〕36號

國家金(jin)融監督管理(li)總(zong)局關于加強非車(che)險業(ye)務監管有關事項的通知

各金融監管(guan)局，各財產(chan)保(bao)險公司，各保(bao)險中介(jie)機構，銀保(bao)信公司、上海保(bao)交所、保(bao)險業協(xie)會、精(jing)算師協(xie)會：

為(wei)加強財產(chan)保(bao)險(xian)(xian)公司非車險(xian)(xian)業務監管，維護保(bao)險(xian)(xian)消費者合(he)法權(quan)益，推動財產(chan)保(bao)險(xian)(xian)業高質(zhi)量發展，現將有關事項通知如下：

一、明確規范范圍

本通知所稱非(fei)車險(xian)業務，是指機動車輛保(bao)險(xian)以外的(de)其(qi)他財產保(bao)險(xian)業務。農業保(bao)險(xian)、出口(kou)信(xin)用(yong)保(bao)險(xian)另有(you)規(gui)定的(de)，從(cong)其(qi)規(gui)定。

二、優化考(kao)核(he)機制(zhi)

財產保(bao)險(xian)公司應按照高質量發展要(yao)求，合(he)(he)理(li)降低保(bao)費(fei)規模(mo)、業(ye)務(wu)增速(su)、市場(chang)份額(e)的考核要(yao)求，有效(xiao)提高合(he)(he)規經營、質量效(xiao)益、消費(fei)者權益保(bao)護的考核權重。財產保(bao)險(xian)公司要(yao)結合(he)(he)市場(chang)承載(zai)能力和(he)自(zi)身發展基礎(chu)，合(he)(he)理(li)規劃非車(che)險(xian)業(ye)務(wu)發展，加快(kuai)由追(zhui)求規模(mo)、速(su)度向(xiang)追(zhui)求質量、效(xiao)益轉(zhuan)變。

三、加強(qiang)費(fei)率管理

財產保(bao)險公司應(ying)遵(zun)循公平(ping)(ping)、合理(li)、充足原則(ze)科(ke)學厘定(ding)(ding)保(bao)險費(fei)(fei)(fei)率(lv)，合理(li)設(she)置(zhi)預定(ding)(ding)附加費(fei)(fei)(fei)率(lv)和(he)手(shou)(shou)續費(fei)(fei)(fei)率(lv)水平(ping)(ping)，不得設(she)置(zhi)與所提供服務不符的高額費(fei)(fei)(fei)用(yong)。主險精(jing)算報告和(he)附加險備案材料應(ying)明確列示預定(ding)(ding)附加費(fei)(fei)(fei)率(lv)、平(ping)(ping)均(jun)手(shou)(shou)續費(fei)(fei)(fei)率(lv)和(he)逐(zhu)單(dan)手(shou)(shou)續費(fei)(fei)(fei)率(lv)上(shang)限。財產保(bao)險公司應(ying)建(jian)立(li)費(fei)(fei)(fei)率(lv)定(ding)(ding)期回溯和(he)動態調(diao)整機制，精(jing)算假設(she)與實際(ji)經營情況偏(pian)差過(guo)大時(shi)(shi)，應(ying)及時(shi)(shi)調(diao)整并重新備案，必要時(shi)(shi)應(ying)先行停售相關產品(pin)。

四、嚴格(ge)條款費率使用

財產保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司應持續加強主(zhu)險(xian)(xian)(xian)(xian)和附加險(xian)(xian)(xian)(xian)條款費(fei)率(lv)的(de)(de)(de)規范使(shi)用(yong)，嚴格執行經備(bei)(bei)案(an)的(de)(de)(de)保(bao)(bao)險(xian)(xian)(xian)(xian)條款和保(bao)(bao)險(xian)(xian)(xian)(xian)費(fei)率(lv)。財產保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司和保(bao)(bao)險(xian)(xian)(xian)(xian)中(zhong)介機構不得(de)通(tong)(tong)過特別約定(ding)、批(pi)單、協議、備(bei)(bei)忘錄等(deng)方式實質改變經備(bei)(bei)案(an)的(de)(de)(de)保(bao)(bao)險(xian)(xian)(xian)(xian)條款責任(ren)，不得(de)通(tong)(tong)過違(wei)規拆(chai)分保(bao)(bao)險(xian)(xian)(xian)(xian)標(biao)的(de)(de)(de)、拆(chai)分保(bao)(bao)險(xian)(xian)(xian)(xian)金額、更改被保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)屬性、更改標(biao)的(de)(de)(de)使(shi)用(yong)性質、提高或降低免賠額（率(lv)）等(deng)形式變相調(diao)整保(bao)(bao)險(xian)(xian)(xian)(xian)費(fei)率(lv)。

五、強化保險中(zhong)介管(guan)理

財產保(bao)險(xian)公司(si)應履行(xing)對保(bao)險(xian)中(zhong)介(jie)(jie)機(ji)構的(de)管(guan)理責任，不得委托不具(ju)備合法資質的(de)機(ji)構從事保(bao)險(xian)銷售活(huo)動，不得向(xiang)不具(ju)備合法資質的(de)機(ji)構支(zhi)(zhi)付手續(xu)費。保(bao)險(xian)中(zhong)介(jie)(jie)機(ji)構應配合財產保(bao)險(xian)公司(si)執行(xing)各項監管(guan)要求，設置與所(suo)提供服務價值相匹配的(de)手續(xu)費水平，真實、合理核算(suan)各項收入(ru)支(zhi)(zhi)出(chu)，嚴禁賬外經營。

六、規范(fan)經營(ying)管理費(fei)用(yong)

財產(chan)保險(xian)(xian)公司(si)應(ying)嚴肅財經紀律(lv)，按照實質重(zhong)于(yu)形式原(yuan)則，據實列支各項(xiang)經營管(guan)理費(fei)(fei)(fei)用(yong)。財產(chan)保險(xian)(xian)公司(si)要加強手續(xu)費(fei)(fei)(fei)核算(suan)管(guan)控(kong)，為保險(xian)(xian)銷售支付的(de)中(zhong)介費(fei)(fei)(fei)用(yong)不得(de)超過產(chan)品(pin)報備(bei)(bei)的(de)手續(xu)費(fei)(fei)(fei)率(lv)上限。不得(de)通過宣傳費(fei)(fei)(fei)、技術支持費(fei)(fei)(fei)、防預費(fei)(fei)(fei)等方式變相支付手續(xu)費(fei)(fei)(fei)，不得(de)通過虛(xu)掛(gua)中(zhong)介業務、虛(xu)列費(fei)(fei)(fei)用(yong)等方式套(tao)取費(fei)(fei)(fei)用(yong)，變相突破報備(bei)(bei)的(de)手續(xu)費(fei)(fei)(fei)率(lv)上限。

七、健全保費收入(ru)管理

財(cai)產保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司(si)應(ying)(ying)(ying)(ying)在收取保(bao)(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)(fei)后(hou)向(xiang)客戶(hu)簽發保(bao)(bao)(bao)(bao)(bao)(bao)(bao)單(dan)并(bing)開具保(bao)(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)(fei)發票。財(cai)產保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司(si)開展互聯網(wang)非(fei)車(che)險(xian)業務(wu)，應(ying)(ying)(ying)(ying)及時收集(ji)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)客戶(hu)信(xin)息(xi)等(deng)(deng)核(he)心業務(wu)信(xin)息(xi)，并(bing)確保(bao)(bao)(bao)(bao)(bao)(bao)(bao)信(xin)息(xi)真實(shi)準(zhun)確完整(zheng)。對保(bao)(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)(fei)超過(guo)一定(ding)(ding)金額且(qie)確需分期繳納的工(gong)程保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)等(deng)(deng)業務(wu)，財(cai)產保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司(si)應(ying)(ying)(ying)(ying)履行(xing)內部審(shen)核(he)程序，并(bing)可根據(ju)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)(fei)繳納情況，與投保(bao)(bao)(bao)(bao)(bao)(bao)(bao)人(ren)約(yue)定(ding)(ding)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)合(he)同效力或賠付(fu)責任。財(cai)產保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司(si)應(ying)(ying)(ying)(ying)加強(qiang)應(ying)(ying)(ying)(ying)收保(bao)(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)(fei)管理(li)，完善(shan)信(xin)息(xi)系統，優化規(gui)章制度、內控流程、考核(he)政(zheng)策，從源頭控制應(ying)(ying)(ying)(ying)收保(bao)(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)(fei)風險(xian)。保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)中介機(ji)構應(ying)(ying)(ying)(ying)配(pei)合(he)財(cai)產保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司(si)執行(xing)相關(guan)要(yao)求，不得以墊付(fu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)(fei)、引導投保(bao)(bao)(bao)(bao)(bao)(bao)(bao)人(ren)延期支付(fu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)(fei)等(deng)(deng)方式(shi)擾亂市(shi)場秩序。

八、加強批單退費管理

財(cai)產保險(xian)公(gong)司(si)應持續提升(sheng)非(fei)車(che)險(xian)業(ye)務內控管理(li)水平，加(jia)強批單(dan)退費(fei)(fei)管理(li)，批改業(ye)務審核(he)(he)權限原則上要集中(zhong)于(yu)總公(gong)司(si)或省級分公(gong)司(si)，并明(ming)確審核(he)(he)流程和標(biao)準(zhun)。財(cai)產保險(xian)公(gong)司(si)應加(jia)強非(fei)車(che)險(xian)業(ye)務稽核(he)(he)審計(ji)，對(dui)通過(guo)虛假批單(dan)退費(fei)(fei)、虛列費(fei)(fei)用等(deng)方式套取資金的機構和人員(yuan)，要依(yi)法(fa)依(yi)規(gui)嚴(yan)肅處理(li)。

九、強化市場行為監管(guan)

金(jin)融(rong)監管(guan)總局各(ge)級派出機(ji)(ji)(ji)構(gou)(gou)要(yao)加(jia)強轄(xia)內(nei)財(cai)(cai)產(chan)保(bao)險機(ji)(ji)(ji)構(gou)(gou)經營指標監測，對(dui)于手續(xu)費(fei)(fei)率(lv)(lv)超過產(chan)品備(bei)案(an)水(shui)平(ping)或(huo)綜合費(fei)(fei)用率(lv)(lv)出現異(yi)常變動(dong)的財(cai)(cai)產(chan)保(bao)險機(ji)(ji)(ji)構(gou)(gou)，要(yao)及時開展監管(guan)約談、現場(chang)檢查等(deng)。對(dui)查實(shi)財(cai)(cai)產(chan)保(bao)險機(ji)(ji)(ji)構(gou)(gou)未按照規(gui)定(ding)使用經備(bei)案(an)條款費(fei)(fei)率(lv)(lv)，編制或(huo)提供虛假報告、報表、文件、資料等(deng)行為，要(yao)依(yi)法(fa)采取監管(guan)措施或(huo)實(shi)施行政(zheng)處罰(fa)。對(dui)財(cai)(cai)產(chan)保(bao)險機(ji)(ji)(ji)構(gou)(gou)和(he)保(bao)險中介機(ji)(ji)(ji)構(gou)(gou)相關問題要(yao)強化同(tong)查同(tong)處。

十、維護消費者合法權益(yi)

金融監(jian)(jian)管(guan)總局(ju)各級派(pai)出機(ji)(ji)構要(yao)推(tui)動(dong)(dong)轄(xia)區財產(chan)保險機(ji)(ji)構改進(jin)非車險業(ye)務承保理賠服(fu)務，提升(sheng)監(jian)(jian)管(guan)實(shi)效，推(tui)動(dong)(dong)非車險業(ye)務向(xiang)(xiang)保障(zhang)充分、定價合(he)理、市場規(gui)范(fan)、服(fu)務優良方(fang)向(xiang)(xiang)發展，努力(li)提升(sheng)消費者獲(huo)得感(gan)。財產(chan)保險機(ji)(ji)構不(bu)得以壓降費用(yong)等為名(ming)，降低(di)正(zheng)常保險服(fu)務標準。

十一、發(fa)揮行業組織作用(yong)

相關(guan)行(xing)(xing)業(ye)(ye)組織(zhi)要積極配合(he)做好加強非車(che)險(xian)(xian)(xian)(xian)業(ye)(ye)務監(jian)管有(you)關(guan)工作。保(bao)險(xian)(xian)(xian)(xian)業(ye)(ye)協(xie)會要及時(shi)研(yan)究(jiu)制定(ding)行(xing)(xing)業(ye)(ye)示范條款(kuan)(kuan)、行(xing)(xing)業(ye)(ye)標準條款(kuan)(kuan)、承保(bao)理賠自律指引(yin)等(deng)，做好非車(che)險(xian)(xian)(xian)(xian)自律管理。精算師協(xie)會要及時(shi)測算制定(ding)行(xing)(xing)業(ye)(ye)基準純(chun)風(feng)險(xian)(xian)(xian)(xian)損失率，提(ti)升(sheng)行(xing)(xing)業(ye)(ye)定(ding)價(jia)規范性。銀保(bao)信公(gong)司要發(fa)揮(hui)保(bao)險(xian)(xian)(xian)(xian)行(xing)(xing)業(ye)(ye)服(fu)務平臺(tai)作用(yong)，持(chi)(chi)續完善(shan)財產(chan)(chan)保(bao)險(xian)(xian)(xian)(xian)產(chan)(chan)品智能檢核系統，推進非車(che)險(xian)(xian)(xian)(xian)業(ye)(ye)務平臺(tai)和相關(guan)數(shu)據(ju)標準建設，支持(chi)(chi)非車(che)險(xian)(xian)(xian)(xian)監(jian)管要求落地，推動理賠、反(fan)欺詐(zha)等(deng)信息行(xing)(xing)業(ye)(ye)共(gong)享(xiang)，為(wei)非車(che)險(xian)(xian)(xian)(xian)高質量發(fa)展提(ti)供有(you)效支撐。上海保(bao)交所要發(fa)揮(hui)全(quan)國安(an)責險(xian)(xian)(xian)(xian)信息共(gong)享(xiang)平臺(tai)等(deng)作用(yong)，完善(shan)安(an)責險(xian)(xian)(xian)(xian)信息共(gong)享(xiang)機制，為(wei)安(an)責險(xian)(xian)(xian)(xian)及事故(gu)預防(fang)等(deng)工作規范開展提(ti)供支持(chi)(chi)。

十二、其他(ta)

本通(tong)知自2025年11月(yue)1日起實施。《中國保(bao)險監督(du)管理(li)委員會關于規范非車險業務有(you)關問題的通(tong)知》（保(bao)監產險〔2007〕400號(hao)）同時廢止(zhi)。

國家金融監督管理總局(ju)

2025年9月(yue)30日