China Insurance Industry Association compiles and publishes "Research on Hot Legal and Compliance Issues in the Insurance Industry"

On the first year of the 14th Five-Year Plan, against the backdrop of comprehensively advancing the rule of law and deepening financial supply-side structural reforms, the China Insurance Industry Association has compiled the “Research on Hot Topics in Insurance Legal Compliance.” The publication of this book is not only a concrete practice of implementing the overall requirements of “strengthening the rule of law in China and promoting comprehensive law-based governance,” but also an important measure to carry out the spirit of the Central Financial Work Conference, promote the spirit of the Constitution, and improve the quality and efficiency of insurance industry compliance management.

Currently, China’s insurance industry is at a critical stage of shifting from scale-driven to quality-driven development. Digitalization and ecological transformation bring new opportunities for industry growth, but also pose challenges such as product homogenization, increased risk complexity, and more legal practical issues. The industry’s demand for professional legal compliance guidance that combines theory and practice is growing increasingly urgent. In this context, the China Insurance Industry Association has gathered industry experts’ wisdom, closely aligned with regulatory policy trends and industry development realities, systematically sorted out key and difficult issues in insurance legal compliance, and successfully completed the compilation of this book.

As a professional work in the field of insurance legal compliance, this book centers on the construction of rule-of-law-based compliance, establishing a logically clear and progressively structured system of theoretical analysis and practical response. The entire book focuses on five core dimensions: institutional coordination, risk mitigation, organizational governance, responsibility delineation, and system optimization. It integrates twelve cutting-edge research results from the industry, precisely addressing industry pain points and difficulties. Regarding the application of basic laws, it provides in-depth interpretations of the impact of judicial interpretations of the Civil Code of the People’s Republic of China on insurance contracts, clearly analyzing the theoretical and practical boundaries of the beneficiary system in property insurance contracts. On risk prevention, it thoroughly analyzes governance challenges related to illegal “agent surrendering policies” and other black and gray industries, proposing targeted integrated prevention and control strategies. Concerning organizational compliance, it closely responds to the revision of the Company Law of the People’s Republic of China and the latest financial regulatory rules, systematically presenting industry compliance challenges from multiple dimensions, and distilling practical response paths to provide professional references for industry practice.

The publication of “Research on Hot Topics in Insurance Legal Compliance” reflects the China Insurance Industry Association’s commitment to implementing relevant conference spirits, adhering to a people-centered development philosophy, and taking concrete actions to deepen the rule of law. It is also a key measure to fulfill its service functions for members and promote the deepening of legal and compliance governance in the industry. The release of this book will effectively help insurance institutions embed compliance requirements throughout their entire business processes, continuously enhance overall compliance capabilities, and provide valuable references for insurance regulation and judicial work, opening new perspectives for academic research in the industry. This initiative will further guide the entire industry to establish correct business, performance, and risk concepts, making legal compliance a fundamental element of high-quality development in the insurance sector. It holds significant importance for promoting lawful and compliant operation and deepening financial supply-side structural reforms.