近日，国家金融监督管理总局山西监管局公布了一则行政处罚信息，紫金财产保险股份有限公司山西分公司因多项违规行为被合计罚款33万元。据披露，该公司主要存在未按规定使用经备案的保险条款和费率、虚列费用以及内控管理不到位等问题。这些行为违反了《中华人民共和国保险法》及相关监管规定，损害了保险市场的公平性和消费者权益。监管部门指出，保险机构应严格遵守法律法规，强化内部合规管理，确保业务操作规范透明。此次处罚不仅是对紫金财险山西分公司的警示，也向整个保险行业释放出“强监管、严执法”的明确信号。近年来，随着保险市场快速发展，部分机构为追求短期业绩，忽视合规底线，导致违规问题频发。监管部门正持续加大整治力度，推动行业高质量发展。紫金财险作为一家全国性财产保险公司，在山西地区的分支机构此次被罚，反映出其在基层合规建设方面仍存在短板。公司表示将认真整改，完善内控制度，杜绝类似问题再次发生。业内人士建议，保险公司应将合规文化融入日常经营，从源头防范风险，切实保护投保人合法权益。
Recently, the Shanxi branch of the National Financial Regulatory Administration announced an administrative penalty against Zijin Property & Casualty Insurance Co., Ltd.’s Shanxi Branch, imposing a total fine of RMB 330,000. According to the disclosure, the company violated regulations by using insurance policy terms and premium rates not filed with regulators, fabricating expense entries, and failing to maintain adequate internal controls. These actions breached China’s Insurance Law and related regulatory requirements, undermining market fairness and consumer rights.Regulators emphasized that insurance institutions must strictly comply with laws and regulations, strengthen internal compliance mechanisms, and ensure transparent and standardized operations. This penalty serves not only as a warning to Zijin’s Shanxi branch but also sends a clear message to the entire insurance industry: regulatory oversight is intensifying, and enforcement will be rigorous. In recent years, rapid growth in the insurance sector has led some firms to prioritize short-term gains over compliance, resulting in frequent violations. Regulators are now stepping up efforts to rectify such misconduct and promote high-quality industry development.As a nationwide property insurer, Zijin’s penalty in Shanxi highlights weaknesses in its local compliance infrastructure. The company stated it would implement corrective measures and enhance internal controls to prevent recurrence. Industry experts recommend that insurers embed a culture of compliance into daily operations to proactively mitigate risks and genuinely safeguard policyholders’ interests.
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