What are the risk transmission mechanisms of illegal fund-raising in the insurance field?

The risk transmission mechanism of illegal fund-raising in the insurance field involves sales links, product underwriting, document stamping, institutional personnel and malicious propaganda.

First of all, the sales link

The main performance is that salespeople engage in illegal fund-raising through fictitious insurance products, and salespeople illegally sell third-party wealth management products, which leads to the risk of illegal fund-raising, and the risk of illegal fund-raising is transmitted through insurance intermediaries.

Second, the product underwriting link

Mainly manifested in underwriting illegal fund-raising high-risk products, as well as underwriting illegal fund-raising high-risk related parties and related businesses of insurance targets.

Underwriting corporate financial liability insurance, credit guarantee insurance, borrower's accident insurance business and loan collateral insurance business related to online financing intermediary platform, underwriting insurance business in which the insured is a collective organization such as a cooperative or an exchange, and underwriting insurance business in which the subject matter of insurance is high-value or speculative commodities such as jewelry and minerals.

Three. Institutional personnel

The main performance is that employees of the company engage in illegal fund-raising while working part-time, and those who have been absent for a long time, such as retirement, sick leave, borrowing money, and leaving their posts for a long time, engage in illegal fund-raising

Four. Seal of a document

Mainly manifested in forging documents to engage in illegal fund-raising and privately engraving illegal fund-raising seals.

Verb (abbreviation for verb) malicious propaganda

The main performance is that external institutions maliciously use insurance companies to make false propaganda without any cooperation with insurance companies, or make false propaganda to investors after taking out insurance, exaggerating insurance liability and increasing credit for their illegal fund-raising behavior.

Extended data

The modus operandi of illegal fund-raising in the insurance field

1, confusing the concept of insurance products. In the name of selling insurance products, fund-raising fraud is implemented.

2. Providing false information. In the name of selling insurance, make up false insurance coverage, promise high interest, and induce customers to participate in illegal fund-raising.

3. Exaggerate the benefits of promotional products. Salespeople print leaflets privately, forge certificates and seals, exaggerate income, and let consumers blindly participate in fund-raising.

4, instead of customer signature transcription. Salespeople fill in insurance documents instead of customers, and actually use their own "Yuanyang documents" to obtain customer information and materials to lure customers to raise funds illegally.

5. Issue "white note" and "Yuanyang receipt". For socially disadvantaged groups, especially rural consumers, individual salespeople with ulterior motives only need to "steal the column" and open a "white note" or "Yuanyang receipt" to get away with it.