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近年来,由于城市保险市场竞争日趋激烈,许多保险公司开始采取非常规手段,把以农村银行机构代理寿险为主要品种的保险业务推向贫困农村地区,导致银保合作纠纷开始向农村蔓延。许多贫困农村地区群体性退保事件频繁发生,不仅严重伤害了广大农村住户的利益,也严重影响了农村银行机构声誉。在代理寿险业务强有力的利益驱动下,部分代理保险的农村银行机构员工片面追求代理业务规模、市场份额和代理收入而将保险产品表述为储蓄产品,故意模糊代理保险与存款业务的概念和性质,故意回避银行代理地位,打着银行品牌,拉保险客户。他们不按保险条款将重要事项对客户进行如实告知,如在客户续存大额存款时极力营销保险业务,过分强调保险分红和保障功能,而回避在保障功
In recent years, due to the increasingly fierce competition in the urban insurance market, many insurance companies began to take unconventional measures to push the insurance business with the agency of life insurance as the main species in rural banking institutions to poor rural areas, resulting in the spread of bancassurance cooperation disputes to rural areas. In many poor rural areas, the frequent withdrawal of group surrenders not only seriously damaged the interests of the majority of rural households, but also seriously affected the reputation of rural banking institutions. Driven by the strong interests of the agency in the life insurance business, some of the agents of the rural banking institutions that insure the insurance agency express their insurance products as savings products in one-sided pursuit of agency business scale, market share and agency income, deliberately blur the concept and nature of agency insurance and deposit business , Deliberately avoid bank agent status, name bank brand, pull insurance customers. They do not truthfully inform clients of important matters according to the terms of insurance. For example, they strongly promote insurance business when customers renew large deposits, overemphasize insurance bonus and guarantee functions,