China: "Bad Blood" Between Insurance And P2P Is Gradually Emerging (In Chinese)

Last Updated: 27 April 2016
Article by AnJie Law Firm

尽管监管层尚未发文正式叫停保险公司与 P2P平台的合作,但是,一些保险公司已经将与之相关的 "账户资金安全险 "悄然下架,其目的主要是为了防止互联网金融方面的风险向保险领域传导。

近日,关于"P2P平台称接到监管通知,要求终止自身的账户资金安全险(交易损失险)"的消息一度让保险公司卷入舆论漩涡。然而,截至《国际金融报》记者发稿时,保险监管部门尚未就此发布公开消息。叫停交易资金安全险的保险公司方面给记者的回复表示"这仅是正常业务调整"。

目前,P2P平台和保险公司的合作主要有起到外部增信作用的个人账户资金安全险、交易资金损失险、融资方抵押财产险、履约保证保险、风险准备金管理安全险,以及部分理财资产的安全承保保险等。

对外经贸大学保险系教授王国军认为,按风险程度排名,保障交易账户和资金安全的风险最大,信用保险次之,履约保证保险的风险最小。

中止相关险种与P2P平台合作的背后,是否也透露出监管层与险企的多重考量?

险企主动叫停

2015年是P2P平台爆发大量违约的一年。经济下行带来了投资回报率的显著下降,社会整体的负债利率水平呈现趋势性下降,这使得大量采取高息回报方式吸引资金投资的P2P开始暴露出问题。2016年1月份P2P网贷问题平台多达1351家,问题平台在P2P总平台数中的占比从2015年2月的23%上升至34%。

网贷之家最新研究数据显示,截至目前,与保险公司有"账户资金安全险"合作的网贷平台有57家。

一位与保险公司有相关业务合作的P2P平台负责人告诉记者,"合作的保险公司已经叫停交易资金安全险。"

中央财经大学法学院教授黄震亦认为,无论是从市场考虑还是监管要求考虑,现在是P2P网贷行业风险事故多发期,一些机构为了避险停止合作是正常反应。

以一家网贷平台的产品为例,保险公司对P2P平台的每笔交易承担保险责任,从充值、提现、投资、还款等几个环节全面保障投资者资金安全。其在保险期限内,若用户账户项下的交易资金被他人盗转、盗用,将由保险公司承担赔偿责任。

一位中型保险公司总精算师告诉记者,P2P平台的资金安全险并非对资金账户的投资盈利进行保险,而是对资金交易环节中的步骤有所保障。

公开资料显示,阳光保险、国寿财险、天安财险、中国人保等多家保险公司,都与P2P平台开展过合作。

王国军表示,鉴于目前P2P行业的法律规范不清晰,若按风险程度排名,保障交易账户和资金安全的风险最大。

北京工商大学保险系教授王绪瑾告诉记者,叫停资金安全险主要是为了防范金融风险,防止互联网金融方面的风险向保险领域传导。

值得一提的是,保监会发改部曾下发过一份《关于报送为互联网金融平台提供保险保障业务有关情况的通知》,明确要求财产险公司详细报送与互联网金融平台投保情况相关的各项数据,全面摸底财产险公司与互联网金融行业的合作情况。

"一些P2P平台打着保险公司旗号虚假宣传。"前述中型保险公司总精算师认为,以交易资金损失保险为例,一些P2P平台在宣传中夸大相关保险责任,利用保险公司为平台增信、背书,把"保障资金交易安全"扩大到"保障资金安全",将两个概念混为一谈。既损害了保险公司的声誉,也侵害了消费者的权益。

值得一提的是,一位保监会相关负责人告诉记者,"目前,已经发现有可能出现问题的理赔,这会导致较大的赔付率,监管层已经关注到此类风险。"

保险+P2P旨在信用背书

事实上,互联网金融火热的背后,披着互联网金融外衣非法集资、经营不善"跑路"、利用监管漏洞套利......随着风险频频暴露,网贷行业陷入了前所未有的信用危机。

中国社科院金融法律与金融监管研究基地副主任郑联盛在撰文中认为,在互联网金融迅猛发展的过程中,风险开始逐渐暴露和显现,主要有技术安全性、借款人信用违约以及平台庞氏骗局等三大风险。从业务形态上看P2P是风险最大的领域。

去年2月,P2P平台财路通与国寿财险展开合作后被爆出"信息不对称,涉嫌虚假宣传"。财路通在官网位置明确写着由"中国人寿财险与民安财产保险公司联手承保"、"100%本息保障"、"保险公司承保"等宣传字样。而国寿财险对此则表示:"国寿与财路通合作仅限人身意外伤害保险,其他风险保证保险均不在公司的承保范围。如果客户购买财路通理财产品,中国人寿不承担投资资金的任何责任。"这无疑是P2P平台借由险企扩大增信范围,夸大宣传效果。

去年7月,上海市长宁区市场监督管理局对友融投资管理(上海)有限公司下达了行政处罚决定书,责令其停止违法行为,消除影响,同时罚款10万元。而该公司涉嫌虚假宣传的起因便是自2014年3月起,在对外宣传彩页上,宣称与太保、平安、国寿财险、新华等金融机构有合作。

短融网首席执行官王坤认为,P2P与保险行业合作本身就存在诸多操作上的漏洞,是对资金安全进行承保还是对平台的融资项目进行承保很难界定清楚。"P2P跟保险公司合作,主要还是为了增强平台的信用背书,不过,这和监管层对P2P信息中介的角色定位相悖"。

据不完全统计,目前与保险企业有相关合作的P2P平台已有92家。但涉及到P2P网贷核心风险的履约保证保险,只有少数几家平台。尽管目前许多P2P平台公布与保险公司合作,多停留在战略合作层面,值得一提的是,目前还未发生过理赔情况。

利魔方首席执行官姚全也认为,资金安全险只保障账户安全,但不会保障履约,是假借保险名义来提高风控的手段。" 我认为取消相关险种是加强互联网金融业良性管理的需求,说明监管机构对网贷的态度是谨慎的,对规范行业发展是有裨益的,我们欢迎这样的措施。"

爱钱进首席执行官杨帆则认为,保险公司暂停P2P交易资金安全险正是旨在提高其相应的合作准入门槛,排除掉一批利用保险公司来进行夸大宣传的合作平台。"由于目前P2P借贷行业还很不规范,少数P2P平台却会借此大肆宣传,混淆视听,容易误导投资人,一旦平台出现问题,容易连带损害保险公司的声誉"。

金蛋理财首席执行官邓巍表示,虽然资金安全险被暂停,但是保险公司和P2P平台的合作形式很多。"账户资金安全险是其中一个,其他还有履约保证保险、信用保险等。部分平台被终止账户资金安全险,不会对其他互联网金融+保险的业务合作模式产生影响。"

监管不断升级

央行副行长潘功胜在中国互联网金融协会成立大会上指出,近期爆发的一系列风险事件,对行业的声誉和社会形象造成了很大的负面影响,引起了社会各界的高度关注,规范互联网金融发展已经成为社会各界的广泛共识。

事实上,自2014年下半年开始,保监会已经逐步加紧对于互联网金融风险的防范。从风险提示,到2016年初的重点排查,监管层越发重视此类风险。

2014年下半年,一些险企销售人员以保险公司名义推荐、销售P2P平台理财产品,结果由于平台负责人跑路导致个别保险公司陷入舆论危机。随后,保监会发布《中国保监会关于严格规范非保险金融产品销售的通知》,指出上述行为暴露出销售行为不规范、金融风险交叉传递等问题,有的甚至已经构成金融诈骗和非法集资,明令保险公司、保险专业中介机构不得销售未经相关金融监管部门批准的非保险金融产品。

2015年2月,保监会在发布的《关于防范保单"被升级"为P2P产品的风险提示》中明确指出了一些不良销售人员借口保单升级,怂恿消费者退保并购买高收益理财产品后将资金转移;4月,保监会发布《再次关注和防范P2P平台风险》的通知,指出少数P2P平台大量招募原属保险公司个险渠道的保险从业人员,采用非法手段套取处于正常期的保单资金,给广大保险消费者造成相当大的损失;10月,保监会修改《中国保监会关于严格规范非保险金融产品销售的通知》,将通知中的"保险销售(经纪)从业人员"全部替换为"从业人员",进一步扩大监管范围。

伴随着更多风险跨界问题的逐渐暴露,保监会监管也不断升级。2016年1月,中国保监会印发了《关于加强互联网平台保证保险业务管理的通知》,针对互联网平台保证保险业务存在的问题,重点对互联网平台选择、信息披露、内控管理等提出明确要求。

(来源:国际金融报, 吴婧)

The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

To print this article, all you need is to be registered on Mondaq.com.

Click to Login as an existing user or Register so you can print this article.

Authors
 
Some comments from our readers…
“The articles are extremely timely and highly applicable”
“I often find critical information not available elsewhere”
“As in-house counsel, Mondaq’s service is of great value”

Up-coming Events Search
Tools
Print
Font Size:
Translation
Channels
Mondaq on Twitter
 
Register for Access and our Free Biweekly Alert for
This service is completely free. Access 250,000 archived articles from 100+ countries and get a personalised email twice a week covering developments (and yes, our lawyers like to think you’ve read our Disclaimer).
 
Email Address
Company Name
Password
Confirm Password
Position
Mondaq Topics -- Select your Interests
 Accounting
 Anti-trust
 Commercial
 Compliance
 Consumer
 Criminal
 Employment
 Energy
 Environment
 Family
 Finance
 Government
 Healthcare
 Immigration
 Insolvency
 Insurance
 International
 IP
 Law Performance
 Law Practice
 Litigation
 Media & IT
 Privacy
 Real Estate
 Strategy
 Tax
 Technology
 Transport
 Wealth Mgt
Regions
Africa
Asia
Asia Pacific
Australasia
Canada
Caribbean
Europe
European Union
Latin America
Middle East
U.K.
United States
Worldwide Updates
Registration
Mondaq Ltd requires you to register and provide information that personally identifies you, including what sort of information you are interested in, for three primary purposes:
  • To allow you to personalize the Mondaq websites you are visiting.
  • To enable features such as password reminder, newsletter alerts, email a colleague, and linking from Mondaq (and its affiliate sites) to your website.
  • To produce demographic feedback for our information providers who provide information free for your use.
  • Mondaq (and its affiliate sites) do not sell or provide your details to third parties other than information providers. The reason we provide our information providers with this information is so that they can measure the response their articles are receiving and provide you with information about their products and services.
    If you do not want us to provide your name and email address you may opt out by clicking here
    If you do not wish to receive any future announcements of products and services offered by Mondaq you may opt out by clicking here

    Terms & Conditions and Privacy Statement

    Mondaq.com (the Website) is owned and managed by Mondaq Ltd and as a user you are granted a non-exclusive, revocable license to access the Website under its terms and conditions of use. Your use of the Website constitutes your agreement to the following terms and conditions of use. Mondaq Ltd may terminate your use of the Website if you are in breach of these terms and conditions or if Mondaq Ltd decides to terminate your license of use for whatever reason.

    Use of www.mondaq.com

    You may use the Website but are required to register as a user if you wish to read the full text of the content and articles available (the Content). You may not modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, perform, link, display, or in any way exploit any of the Content, in whole or in part, except as expressly permitted in these terms & conditions or with the prior written consent of Mondaq Ltd. You may not use electronic or other means to extract details or information about Mondaq.com’s content, users or contributors in order to offer them any services or products which compete directly or indirectly with Mondaq Ltd’s services and products.

    Disclaimer

    Mondaq Ltd and/or its respective suppliers make no representations about the suitability of the information contained in the documents and related graphics published on this server for any purpose. All such documents and related graphics are provided "as is" without warranty of any kind. Mondaq Ltd and/or its respective suppliers hereby disclaim all warranties and conditions with regard to this information, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title and non-infringement. In no event shall Mondaq Ltd and/or its respective suppliers be liable for any special, indirect or consequential damages or any damages whatsoever resulting from loss of use, data or profits, whether in an action of contract, negligence or other tortious action, arising out of or in connection with the use or performance of information available from this server.

    The documents and related graphics published on this server could include technical inaccuracies or typographical errors. Changes are periodically added to the information herein. Mondaq Ltd and/or its respective suppliers may make improvements and/or changes in the product(s) and/or the program(s) described herein at any time.

    Registration

    Mondaq Ltd requires you to register and provide information that personally identifies you, including what sort of information you are interested in, for three primary purposes:

    • To allow you to personalize the Mondaq websites you are visiting.
    • To enable features such as password reminder, newsletter alerts, email a colleague, and linking from Mondaq (and its affiliate sites) to your website.
    • To produce demographic feedback for our information providers who provide information free for your use.

    Mondaq (and its affiliate sites) do not sell or provide your details to third parties other than information providers. The reason we provide our information providers with this information is so that they can measure the response their articles are receiving and provide you with information about their products and services.

    Information Collection and Use

    We require site users to register with Mondaq (and its affiliate sites) to view the free information on the site. We also collect information from our users at several different points on the websites: this is so that we can customise the sites according to individual usage, provide 'session-aware' functionality, and ensure that content is acquired and developed appropriately. This gives us an overall picture of our user profiles, which in turn shows to our Editorial Contributors the type of person they are reaching by posting articles on Mondaq (and its affiliate sites) – meaning more free content for registered users.

    We are only able to provide the material on the Mondaq (and its affiliate sites) site free to site visitors because we can pass on information about the pages that users are viewing and the personal information users provide to us (e.g. email addresses) to reputable contributing firms such as law firms who author those pages. We do not sell or rent information to anyone else other than the authors of those pages, who may change from time to time. Should you wish us not to disclose your details to any of these parties, please tick the box above or tick the box marked "Opt out of Registration Information Disclosure" on the Your Profile page. We and our author organisations may only contact you via email or other means if you allow us to do so. Users can opt out of contact when they register on the site, or send an email to unsubscribe@mondaq.com with “no disclosure” in the subject heading

    Mondaq News Alerts

    In order to receive Mondaq News Alerts, users have to complete a separate registration form. This is a personalised service where users choose regions and topics of interest and we send it only to those users who have requested it. Users can stop receiving these Alerts by going to the Mondaq News Alerts page and deselecting all interest areas. In the same way users can amend their personal preferences to add or remove subject areas.

    Cookies

    A cookie is a small text file written to a user’s hard drive that contains an identifying user number. The cookies do not contain any personal information about users. We use the cookie so users do not have to log in every time they use the service and the cookie will automatically expire if you do not visit the Mondaq website (or its affiliate sites) for 12 months. We also use the cookie to personalise a user's experience of the site (for example to show information specific to a user's region). As the Mondaq sites are fully personalised and cookies are essential to its core technology the site will function unpredictably with browsers that do not support cookies - or where cookies are disabled (in these circumstances we advise you to attempt to locate the information you require elsewhere on the web). However if you are concerned about the presence of a Mondaq cookie on your machine you can also choose to expire the cookie immediately (remove it) by selecting the 'Log Off' menu option as the last thing you do when you use the site.

    Some of our business partners may use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies and we are not aware of any at present that do so.

    Log Files

    We use IP addresses to analyse trends, administer the site, track movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

    Links

    This web site contains links to other sites. Please be aware that Mondaq (or its affiliate sites) are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of these third party sites. This privacy statement applies solely to information collected by this Web site.

    Surveys & Contests

    From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose any information requested. Information requested may include contact information (such as name and delivery address), and demographic information (such as postcode, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the functionality of the site.

    Mail-A-Friend

    If a user elects to use our referral service for informing a friend about our site, we ask them for the friend’s name and email address. Mondaq stores this information and may contact the friend to invite them to register with Mondaq, but they will not be contacted more than once. The friend may contact Mondaq to request the removal of this information from our database.

    Emails

    From time to time Mondaq may send you emails promoting Mondaq services including new services. You may opt out of receiving such emails by clicking below.

    *** If you do not wish to receive any future announcements of services offered by Mondaq you may opt out by clicking here .

    Security

    This website takes every reasonable precaution to protect our users’ information. When users submit sensitive information via the website, your information is protected using firewalls and other security technology. If you have any questions about the security at our website, you can send an email to webmaster@mondaq.com.

    Correcting/Updating Personal Information

    If a user’s personally identifiable information changes (such as postcode), or if a user no longer desires our service, we will endeavour to provide a way to correct, update or remove that user’s personal data provided to us. This can usually be done at the “Your Profile” page or by sending an email to EditorialAdvisor@mondaq.com.

    Notification of Changes

    If we decide to change our Terms & Conditions or Privacy Policy, we will post those changes on our site so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an email. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.

    How to contact Mondaq

    You can contact us with comments or queries at enquiries@mondaq.com.

    If for some reason you believe Mondaq Ltd. has not adhered to these principles, please notify us by e-mail at problems@mondaq.com and we will use commercially reasonable efforts to determine and correct the problem promptly.

    By clicking Register you state you have read and agree to our Terms and Conditions