商报讯（记者 崔启斌）保监会近日披露，在查的营销员中涉嫌销售误导的占比近三成，并曝出人身险销售还存在“四大”不到位，要求险企在10月底前提交整改报告。

dispatch（Reporter CuiQiBin）The China insurance regulatory commission recently disclosed，Check on the sale member in connection with the sales of misleading than nearly thirty percent，And to expose life insurance sales still exist“four”Does not reach the designated position，Requirement risk in enterprises before the end of October, submit alteration report。

　　上周五，保监会发布相关通报，今年2-5月，各人身险公司对去年1月至今年2月承保的业务开展销售误导自查自纠工作，合计暗访兼业代理网点6.9万个、产品说明会3.1万场，抽查营销员9.1万人次……依据自查自纠结果，保监会认为销售环节的问题主要集中在以下四个方面：电话营销配套基础管理制度有待完善，部分公司销售质检不到位；兼业代理机构业务把关不严，管控约束乏力；个人营销渠道私印宣传材料的现象仍未杜绝；客户回访信息资料真实性不足。

Last Friday，Issued by the China insurance regulatory commission related bulletin，This year 2-5 months，The life insurance company in January of last year to February underwriting business to carry out sales misleading self-examination self-correction work，Total investigations relates the agency network 69000、Product explanation session 31000 field，Selective examination sale member 91000 people...According to the self-examination self-correction results，The China insurance regulatory commission think sales link problem mainly focus on the following four aspects：Telephone marketing supporting basic management system need to be improved，Part of the company sales quality control does not reach the designated position；Multiple occupations agency business control is lax，Control constraint lack of power；Personal marketing channel private printing publicity materials phenomenon is still not put an end to；The customer pays a return visit information lack of authenticity。

　　据了解，开展电话营销业务的公司中有37.1%未建立培训内容审核检查制度，超过一半的公司不同程度地存在培训制度不健全等问题。各人身险公司抽查保单中的22.8%被认定为问题件，存在的主要问题是未告知投保人保险合同重要内容和责任免除事项，个别电话营销业务排名前列的公司质检监听人员配备不足，相当数量的问题件保单因未被监听而没有被发现。

It is understood，To carry out the telephone marketing business with the 37.1% did not establish a training content audit system，More than half of the company to a varying extent in training system not perfect and so on the questions。The life insurance company check policy of 22.8% was determined as a problem，There are some main problems did not inform the applicant insurance contract is important content and liability exemption items，Individual telephone marketing business ranked the forefront of the company quality control monitoring understaffing，Quite a number of problems for a policy was not listening and has not been found。

　　对于自查自纠过程中暴露出的问题，保监会要求限时整改，并于今年10月底前上报整改工作报告，对于整改不认真、不到位的公司，将依法从重处罚，并严肃追究相关人员的责任。

For self-examination self-correction exposed in the process of the problem，Circ requirements time limit rectification，And in this year report before the end of October rectification work report，For rectification not serious、The company does not reach the designated position，Will shall be given heavier punishment according to law，And serious relevant personnel shall be investigated for responsibility。