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非寿险理财型产品销售存在诱导性语言、信息披露滞后,对于资本市场低迷,非寿险理财型产品难以获得预期中的收益率,存在利差损和费差损风险。因此实施“功能监管”至关重要。
Sales of non-life insurance wealth management products have induced language and information disclosure is lagging behind. As for the capital market downturn, non-life wealth management products are difficult to obtain the expected rate of return and there is a risk of spread loss and fee loss. Therefore, the implementation of “functional supervision” is crucial.