近年來，隨著經(jīng)濟的快速發(fā)展和人們風(fēng)險意識的增強，保險行業(yè)在我國扮演著越來越重要的角色。然而，在這個龐大而復(fù)雜的市場中，一些問題也開始逐漸顯露出來。據(jù)調(diào)查顯示，目前我國保險行業(yè)存在自律措施不完善、監(jiān)管力度不夠等問題，并且這種現(xiàn)象可能會對消費者享受到的優(yōu)惠政策產(chǎn)生負(fù)面影響。

首先，在當(dāng)前形勢下，許多人選擇購買各類商業(yè)保險作為應(yīng)對風(fēng)險事件時最有效手段之一。然而，在眾多產(chǎn)品中挑選合適并可信賴的產(chǎn)品卻成為了一個令消費者頭疼不已的難題。由于目前我國還沒有建立起統(tǒng)一規(guī)范和標(biāo)準(zhǔn)化管理體系，并且相關(guān)部門尚未明確具體細則以及相應(yīng)違法處罰條款, 使得該領(lǐng)域內(nèi)屢禁不止地涌現(xiàn)出虛假宣傳、誤導(dǎo)銷售等情況。

其次是關(guān)于投資收益與客戶利益之間權(quán)衡取舍方面存在較大爭議。根據(jù)報道分析指出, 當(dāng)前有些機構(gòu)過于注重高額回報率帶給公司股東更好效果, 而忽視了客戶長期穩(wěn)定獲得實質(zhì)性回報所需. 這樣偶爾能夠獲取暴利 的方式無疑加劇了整個市場競爭激烈程度.

此外值得注意到是當(dāng)今社會信息爆炸式發(fā)展背景下, 電子商務(wù)平臺如雨后春筍般催生起新型網(wǎng)絡(luò)交易模式-網(wǎng)上理賠服務(wù). 省去時間精力找尋線下代理點進行核驗流程被認(rèn)為節(jié)約資源同時提供便捷服務(wù);但事物總有兩面性因素: 頁面設(shè)計巧思突兀配圖引入閱讀欲望滿滿廣告語主動推送用戶直達鏈接點擊即可完成操作 (比如申請退貨) 不同類型商品均可以在線處理反饋結(jié)果頃刻呈現(xiàn) 在某種程度看似簡單靚麗 更容易抓住眼球 吸引用戶付款 其實其中隱藏樞紐環(huán)境條件苛刻品牌口碑持續(xù)打造周期設(shè)備技術(shù)支撐軟硬件運營團隊都至關(guān)緊密聯(lián)系 幕后工作者 behind the scene 執(zhí)行職責(zé)曝光少見 可謂"黑箱操作"

針對以上問題，《中國銀行監(jiān)督管理委員會》(CBIRC)表示將進一步加強對金融機構(gòu)從事非法活動進行全鏈條排查；《證券監(jiān)管局》（CSRC）也積極采取措施預(yù)警提示公民遭遇騙局套路 。俱備科學(xué)系統(tǒng)開放包容審慎態(tài) 度 消除安全隱患；《中國拒付聯(lián)合組織》(CPCO)正致力改變既存支付結(jié)算賬號制度 提倡不能用手機微信AlipayQQpayApplePayGoogle Wallet Samsung Pay Visa MasterCard American Express Discover Diners Club JCB UnionPay ChinaUnionPay BankofChinaBankofAmericaJPmorganChaseWellsFargoCitigroupHSBCBarclaysRoyalBankofScotlandStandardCharteredUBSDeutschebankBNPParibas CreditAgricoleCreditMutuelNatixis SocieteGenerale Barclays Santander BBVA ING Rabobank ABNAMRO Deutsche Postbank Raiffeisen Volksbank KfW Commerz Lloyds TSB HSBC Nationwide Cooperative Halifax Danske Nordea Swedbank Handels Svenska SEB Unione di Banche Italiane Intesa Sanpaolo UniCredit BNL BancoPosta MontePaschi Credito Emiliano Cariparma Crédit Lyonnais NatWest Royal Bank Scotland Lloyd’s Standard Chartered Capital One Fidelity Goldman Sachs Morgan Stanley Wells Fargo RBS JP Morgan Chase Citigroup Merrill Lynch Deloitte PwC Ernst & 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