10月9日金融一线消息，近日，金融监管总局发布《财产保险公司保险产品开发管理规定》（以下简称《规定》）。金融监管总局有关司局负责人表示，《规定》将强化产品监管、规范开发管理、保护消费者权益贯穿始终。一是坚守保险本源。明确开发保险产品必须遵循保险利益、损失补偿、诚实信用、射幸合同和风险定价等原则，禁止开发不具备或然性、承保投机风险、无实际保障内容或者单纯以恶意炒作为目的、违背社会公序良俗等保险产品。二是强化标准规范。要求条款表述应当坚持规范化、标准化，提出个人类条款应当通俗易懂、清晰明确，对免除或减轻保险人责任的内容，应当使用足以引起投保人注意的方式作出提示，从而切实保障消费者的知情权。三是严格管理责任。细化明确公司各层级应当承担的产品开发管理责任，并要求财险公司建立内部问责机制，督促公司审慎开发产品。四是加强持续监管。要求保险公司对产品合规性和适应性进行评估，对不适宜继续销售的产品及时调整或停止销售，强化对产品的全流程管理。
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