寿险“理赔难”成因及其表现形式/夏晓东

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寿险“理赔难”成因及其表现形式

中国太平洋人寿保险公司石家庄分公司 夏晓东


近日看到许多煤体对人寿保险公司“理赔难”的问题进行了报道,最终结论几乎都是批评与责难。更有甚者是中央台一个生活类节目中律师对一起理赔纠纷的解答,这名律师对意外险中意外伤残责任不包含医疗给付表示不可理解,并说“伤残”既应包含“伤”也应包含“残”,既然有了“伤”,就应赔付医疗费。做为一名从事保险法律工作已8年之久的专业人员,我不想对媒体和那位律师的相关报道和言论做任何评价,我只是想说投保人与保险人之间其实就是因保险合同而建立起来的一种关系,理赔纠纷实质就是合同纠纷的一种。处理理赔纠纷时首先要看双方订立的合同,看看合同是如何约定的,客观公正地对待纠纷,不宜“舍本求末”,不加区分地对保险人一味指责。
人寿保险本身是好的,只要投保得当,它就能切实能发挥“社会稳定器”的作用。从业多年,我深深地热爱上了这份工作,当我们把一笔笔保险赔偿金送到悲痛欲绝的客户手中,看着他们眼中感激的泪花,看到他们的家庭因我们的服务而得以维系,我感觉到了做为一名保险从业者的伟大,尽管我们不能使逝者复生,但我们却可以让生者感觉到我们对他的关怀,用我们的服务去慰籍受伤的心灵。但是近年来随着我国寿险的迅速发展,理赔纠纷也显现出快速上升的趋势,投诉、诉讼时常见诸报端,从理赔实际工作来看,理赔纠纷也是越来越多,越来越复杂,这说明目前我国的保险业在发展中的确出现了一些问题。理赔工作其实是验证保险公司业务质量和服务质量最重要的环节,通过处理理赔纠纷可以发现保险公司在业务承保这个“进口”和后续服务中存在问题,有些问题十分严重,如仍不能引起业界的重视,仍采取听之任之的态度,必会影响到我国保险业的进一步发展,久而久之,会使人们对我国的保险业失去信心。结合多年的从业经验,我对“理赔难”等问题发表一下我的看法。
一、“理赔难”产生的根源 “理赔难”这个问题产生的原因是多方面的,除了我国企业整体管理水平不高等因素外,保险公司在经营指导思想方面、代理人管理方面的失误是最主要的。
1、保险公司经营指导思想存在的问题 从20世纪九十年代初中国寿险正式开始起步至令,已十余年,在这十余年中,各家保险公司都过分地重视了业务的发展,忽视了客户服务工作。保险公司经营的是商业保险,商业性质的保险公司在业务初期阶段为了生存,必然要大量地上业务,业务上去了,占据了一定的市场份额,才能有足够的赢利,保险公司才能生存;从保险理论上来说,保险公司也只有把业务做的足够大,才能提高抗拒风险的能力。从这个角度来说,为生存和提高抵抗风险的能力,大力发展业务是无可厚非的,但在大力发展业务的过程中,保险公司采取的发展措施出了偏差,主要体现在保险公司对分支机构考核指标上的失误。为快速发展业务,各家保险公司在机构设置上一般都采取“遍地开花”的方式,广设机构,从分公司到中心支公司,再到支公司,最后到营销服务部、服务点。保险公司对各级分支机构考核最重要的指标就是业务量,业务量大就是成绩,其他考核指标,如客户服务工作考核只是最近一、二年的事,且在考核中占比很低。业务量决定一切,业务量大的分支机构在级别、管理者待遇等各方面均要高于业务量小的机构。保险公司各级机构为超额完成上级公司下达的任务,达到考核标准,会千方百计想做大业务规模,抢占市场。对于理赔等客户服务工作由于和机构利益关系不是很大,各级机构对此重视很不够,从人员配备、设备配备上采取一种应付的态度,使理赔等客户服务工作流于形式。“有了业务就有了一切”、“重业务轻服务”的做法绝对是保险公司经营上的一个重大失误,它使保险业在发展初期便问题重重,如业务员误导、条款含糊不清、“孤儿保单”大量产生、售后服务差等,这些问题最终都会体现在理赔中,极大地损害了广大投保人利益。
2、对保险代理人职业道德教育、恶意承揽约束力不够。各家寿险公司在保险业发展初期均采用了“人海战术”,招募大量的业务员,经过简单的岗前培训、通过保险监管部门简单的考试就可以上岗。对代理人在职业道德教育方面要求很少,对恶意承揽业务的代理人处罚力度不够。由于保险代理人的收入由其承揽的业务量决定,代理人为增加收入,必须要大力拓展业务。相同条件下,健康者与非健康者相比,非健康者的保险意识要比健康者高许多,拓展这部分人入保险要容易的多,部分业务员为了自己的收入、为了完成任务,就会挺而走险,置职业道德、公司利益、客户利益与不顾,恶意承揽,而一旦被保险人发生保险事故不能理赔,业务员便“逃之夭夭”。从理赔实际工作来看,纠纷案件中业务员有责任的占了相当大的比例。从保险代理人恶意承揽的形式来看,主要有如下几种:“故意诱导被保险人做不实告知”、“擅自修改告知事项及签名”、“不告知免责事项”“患通不良客户恶意骗保骗赔”等几种。
二、“理赔难”常见的几种形式及保险公司处理方法 从理赔工作来看,“理赔难”常见类型有如下三种:投保人未如实告知类、业务员未明确说明类、虚假理赔类。现结合相关法律、保险理论分别说明保险公司的处理方法。
1、投保人未如实告知类 指投保人在投保过程中故意或者过失未履行告知义务,未告知事项足以影响保险公司决定是否同意承保或者提高保险费率的,此种情况下发生事故保险公司一般不会赔付。保险合同是最大诚信合同,要求合同双方订约时恪守诚信原则,投保人应向保险公司如实说明保险标的的情况,对保险公司投保单上书面询问的事项不得有隐瞒。对因投保人未如实告知而不能赔付的情况,保险公司一般会依据《保险法》第十七条的规定采取如下二种处理方法:一是投保人故意不如实告知的,保险公司均拒绝赔付,解除合同并不退还保险费;二是投保人因过失未如实告知的,保险公司一般也不会赔付,但可以退还保险费。例如张三投保人寿保险前已身患癌症,投保时故意隐瞒了这一事实,后张三因癌症死亡,保险公司就会拒赔并不退还保险费。
因投保人未如实告知所导致的“理赔难”有一个例外,如果投保人已将保险标的的情况如实告知了保险公司的代理人员,代理人员在投保单上未将告知事项说明,此种情况下保险公司不宜拒赔。因为根据《民法通则》、《保险法》的有关规定,保险代理人在授权范围内的代理行为是代表保险公司的,其行为所导致的后果由保险公司承担,投保人将保险标的的情况告知了代理人,就相当于告知了保险公司,保险公司承保后就不能再以投保人未履行如实告知义务对抗投保人。
2、业务员未明确说明类  保险公司在订立保险合同时,应当向投保人说明保险合同的条款内容,关于保险公司责任免除条款,保险法特别要求保险公司应当向投保人明确说明,未明确说明的,该条款不产生效力。但是在理赔实际工作中,我们发现部分业务员在业务承揽中只注重说明保险事故发生后会得到多少赔偿,对限制性条款及责任免除条款讲解很少,甚至不提。一旦发生事故,被保险人、受益人对保险赔偿金额希望值高,而实际赔付往往达不到投保时的要求,很容易产生矛盾。这种情况在医疗保险赔付中尤其突出,各家保险公司在制定医疗保险条款中都对被保险人治疗所用的药品、检查项目做了一定的限制,对不符合当地基本医疗保险范围的项目是不予赔付的,但部分业务员对此内容说明很少,赔付时经常产生纠纷。
3、虚假理赔类  随着我国保险业的迅速发展,理赔案件的增多,个别人对保险的巨额赔偿十分眼红,不择手段设法骗取保险赔偿金。近年来保险犯罪呈现出快速发展的态势,由此引发的故意杀人案、故意自伤致残案时有发生。这种案件是保险业的毒瘤,也是保险理赔面临的最大难题。
三、解决“理赔难”的几点建议  在我8年的从业经历中,我深深感觉到“理赔难”的形成是一个复杂的过程,解决它也不是一朝一夕的事,需要保险界、广大投保人共同努力。
1、保险公司要把理赔等客户服务工作提高到应有的重要地位上来 理赔是客户服务工作中最重要内容,保险公司应担起相应的社会责任,不能只想着如何发展业务,业务上来了,更应该想到如何为客户提供优质服务,提高客户的满意度。2004年
12月11日以后,我国保险业加入世贸组织承诺的三年过渡期就要结束,这意味着我国不仅在健康险、团体险和养老金业务要对外资保险公司开放,在经营地域对外资保险公司的限制也要同时取消,我国的保险业将会竞争的更加激烈。如果国内保险公司仍象目前这样只注重业务,轻视客户服务,后果将会怎样?我们不仅将失去人民的信任,更将失去民族保险业的地位。
2、提高保险代理人的从业标准,建立保险代理人诚信体系 保险代理人在我国保险业发展初期功不可没,但由于从业标准较低,从业人员素质不高,“误导、欺诈行为”时有发生,不仅损害了广大投保人的利益,更扰乱了保险业的秩序,使人们对我国的保险业产生了怀疑。提高保险代理人的从业标准,提升代理人素质,建立执业诚信档案,完善对代理人的监管,是减少保险纠纷的一个重要方法。
3、客户维权意识应加强  我国的保险业目前尚处于发展初期,各家保险公司的实力、管理、人员素质等方面均有一定差异。投保人投保时应注意维护自己的权利,选择一家实力较强的保险公司是首先注意的问题,这样可以从大的方面规避资产风险,客户服务方面也有保障;其次是选择一名从业时间长,无不良记录的保险代理人,根据自己的需要及经济状况选择适当的险种;最后一定要看自己所投保险的条款,明确自己权利和义务,核实是否与业务员的讲解一致。
从业多年,我始终相信客户是善良的,他们把自己的将来和希望托付给了我们,我们有责任、有义务为他们做好一切。


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湖北省财政厅、湖北省经济委员会关于印发《湖北省中小企业成长工程以奖代补资金管理暂行办法》的通知

湖北省财政厅 湖北省经济委员会


省财政厅、省经济委员会关于印发《湖北省中小企业成长工程以奖代补资金管理暂行办法》的通知

鄂财企发〔2007〕58号


各市、州、直管市、林区、县(市)财政局、经委(经贸局),省直有关单位:
为了推进中小企业成长工程实施,规范中小企业成长工程以奖代补资金管理,提高资金使用效益,我们对《湖北省中小企业成长工程以奖代补资金管理暂行办法》进行了修订。现将修订后的《湖北省中小企业成长工程以奖代补资金管理暂行办法》印发给你们,请遵照执行。
附件:湖北省中小企业成长工程以奖代补资金管理暂行办法



二○○七年六月二十五日

湖北省中小企业成长工程以奖代补资金管理暂行办法

第一条 根据《省人民政府办公厅转发省经委等部门关于实施“中小企业成长工程”意见的通知》(鄂政办发[2006]29号)精神,加大对中小企业成长工程的扶持力度,设立湖北省中小企业成长工程以奖代补资金(以下简称“以奖代补资金”)。为规范以奖代补资金管理,提高资金使用效益,特制定本办法。
第二条 以奖代补资金来源于省级财政预算安排,由省财政厅、省经委共同负责管理。
第三条 奖励原则:坚持注重实效、突出贡献、择优奖励和公开、公平、公正。
第四条 奖励对象:主要奖励市、州、直管市、林区、县(市、区)(以下简称市县)政府扶持中小工业企业成长工程。
第五条 考核指标:按各地与省政府签订的年度《湖北省中小企业成长工程工作目标责任书》,对新进入规模以上中小工业企业数、新增增加值、新增就业人数、新增上缴工商税收等完成情况进行考核。
第六条 考核依据:以省统计局提供的新进入规模以上中小工业企业数据进行考核。各地应依法、真实、准确提供统计数据,不得弄虚作假,对上年相关指标统计数据为零的,须提供相关企业分户情况及文字说明。
第七条 分配方式:以奖代补资金采取激励性转移支付方式计算分配。
第八条 激励性转移支付计算方法:新进入规模以上中小工业企业数、新增增加值、新增就业人数和新增上交工商税收四个指标所占权重分别为40%、10%、10%、40%。具体计算公式为:
市县中小企业成长工程激励性转移支付系数=(市县当年规模以上中小工业企业数-上年规模以上中小工业企业数)÷全省各市县规模以上中小工业企业增加数之和×40%+(市县当年新进入规模以上中小工业企业实现增加值-市县上年同比规模以上中小工业企业实现增加值)÷全省各市县新进入规模以上中小工业企业新增增加值之和×10%+(市县当年新进入规模以上中小工业企业就业人数-市县上年同比规模以上中小工业企业就业人数)÷全省各市县新进入规模以上中小工业企业新增就业人数之和×10%+(市县当年新进入规模以上中小工业企业上缴工商税收-市县上年同比规模以上中小工业企业上缴工商税收)÷全省各市县新进入规模以上中小工业企业新增上缴工商税收之和×40%
按照择优奖励的原则,对激励性转移支付系数排序靠前的市县,其考核指标中新进入规模以上中小工业企业新增企业个数的增长速度或新增上交工商税收的增长速度超过全省平均水平的予以奖励。每年对市县的奖励面按40%控制(包括市、州所辖县、市、区排序第一的单位)。
市县中小企业成长工程激励性转移支付额=(市县激励性转移支付系数÷纳入奖励范围的市县激励性转移支付系数之和)×省对市县成长型中小企业激励性转移支付总额
第九条 奖励对象的审核与确定:省经委与省财政厅负责审核市县新进入规模以上中小工业企业数、新增增加值、新增就业人数、新增上缴工商税收;省财政厅计算市县激励性转移支付系数,会同省经委确定以奖代补资金额度。
每个市县以奖代补资金额度最少不低于10万元,最高不超过50万元。
第十条 支付方式:以奖代补资金由省财政厅通过一般性转移支付下达到市县财政局(同时抄送经委),由当地政府按有关规定安排使用。市县财政局按照集中支付方式拨付以奖代补资金。
第十一条 使用范围:以奖代补资金主要用于补助地方政府支持成长型中小工业企业自主创新、新技术推广以及支持企业扩大生产经营规模、支持中小企业服务体系建设等,不得用于发放奖金和福利开支,不准奖励政府部门及其工作人员。
第十二条 资金监管:各级财政部门和经委要加强对以奖代补资金使用的监督管理,检查资金的使用情况,做到专款专用。任何地方或个人不得以任何形式、任何理由截留挪用资金。对弄虚作假骗取资金、不按规定用途使用资金的地方,视情节轻重,扣减、停拨或追回财政资金,并取消下一年度享受以奖代补的资格。对违反规定的责任人,按有关规定处理。
第十三条 市县中小企业成长工程以奖代补资金的管理,可以比照本办法执行。
第十四条 本办法由省财政厅会同省经委负责解释。
第十五条 本办法自2007年起施行。《湖北省财政厅、湖北省经济委员会关于印发〈湖北省中小企业成长工程以奖代补资金管理暂行办法〉的通知》(鄂财企发[2006]164号)同时废止。


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Provisions for Drug Advertisement Examination



(SFDA Decree No. 27)

The Provisions for Drug Advertisement Examination, adopted by the State Food and Drug Administration and the State Administration for Industry and Commerce of the People’s Republic of China, is now issued in the decree sequence number of the State Food and Drug Administration. The Provisions shall go into effect as of the date of May 1, 2007.



Shao Mingli
Commissioner
State Food and Drug Administration

Zhou Bohua
Minister
State Administration for Industry and Commerceof the People’s Republic of China

March 13, 2007





Provisions for Drug Advertisement Examination


Article 1 The Provisions are formulated for the purposes of strengthening regulation on drug advertisements and ensuring the authenticity and legality of drug advertisements in accordance with the Advertisement Law of the People’s Republic of China (hereinafter referred to as Advertisement Law), the Drug Administration Law of the People's Republic of China (hereinafter referred to as Drug Administration Law), the Regulations for the Implementation of Drug Administration Law of the People's Republic of China (hereinafter referred to as Regulations for the Implementation of Drug Administration Law) and other regulations related to supervision on advertisements and drugs.

Article 2 A drug advertisement refers to any advertisement published through various media or forms containing drug name, indications (functions) or other relevant contents, and shall be examined and approved in accordance with the Provisions.

Where only the names of non-prescription drugs (including adopted names and trade names) are publicized or only the names of prescription drugs (including adopted names and trade names) are publicized in professional medical or pharmaceutical journals, the examination is not required.

Article 3 The drug advertisement applied for examination shall be approved provided that it conforms to the following laws, regulations and related provisions:
(1) Advertisement Law;
(2) Drug Administration Law;
(3) Regulations for Implementation of Drug Administration Law;
(4) Criteria for Examining and Publishing Drug Advertisement;
(5) Other provisions of the State on advertisement regulation.

Article 4 The drug regulatory departments of the provinces, autonomous regions or municipalities directly under the Central Government are the drug advertisement examination authorities responsible for examining drug advertisements within their administrative regions. The administrative departments for industry and commerce at or above the county level are supervision and control authorities for drug advertisements.

Article 5 The State Food and Drug Administration shall guide and supervise the examination conducted by drug advertisement examination authorities and punish, in accordance with law, the examination authorities that have violated the Provisions.

Article 6 An applicant for a drug advertisement approval number must be an eligible drug manufacturer or distributor. Where the applicant is a drug distributor, the consent of the drug manufacturer is required.

An applicant may entrust an agent with the application for a drug advertisement approval number.

Article 7 An application for a drug advertisement approval number shall be submitted to the drug advertisement examination authority in the place where the drug manufacturer is located.

An application for an import drug advertisement approval number shall be submitted to the drug advertisement examination authority in the place where the agent of the import drug is located.

Article 8 Where a drug manufacturer or distributor applies for a drug advertisement approval number, it shall submit an Application Form for Drug Advertisement (Appendix 1) with sample manuscript (sample film or sample record) of which the content is consistent with that to be published attached, and an electronic document of drug advertisement application. It shall also submit the following proof documents that are authentic, legal and valid:
(1) Copy of the Business License of the applicant;
(2) Copy of the Drug Manufacturing Certificate or the Drug Supply Certificate of the applicant;
(3) Where the applicant is a drug distributor, the original document proving that the drug manufacturer authorizes the drug distributor to be the applicant shall be submitted;
(4) Where an agent submits an application for a drug advertisement approval number on behalf of the applicant, an original authorization letter given by the applicant to the agent, a copy of business license of the agent and other documents proving the subject’s qualifications shall be submitted;
(5) Copies of the drug approval document (including Import Drug License or Pharmaceutical Product License), copy of approved insert sheet, and label and insert sheet used in practice;
(6) For non-prescription drug advertisement, a copy of registration certificate of non-prescription drug examination or copies of relevant certificates is required;
(7) Where an applicant applies for an import drug advertisement approval number, copies of qualification certificates of the agent of the import drug shall be submitted;
(8) Where the trade name, registered trademark and patent of the drug are involved in an advertisement, copies of the valid certificates and other relevant documents proving the authenticity of the advertisement shall be submitted.

The copy of any approval document prescribed in this Article shall be sealed by the document holder.

Article 9 An advertisement application by an enterprise for a drug shall not be accepted by the drug advertisement examination authorities under any of the following circumstances:
(1) Any of the circumstances under which the application shall be rejected as prescribed in Article 20, Article 22 and Article 23 of the Provisions;
(2) An administrative procedure to withdraw a drug advertisement approval number is in process.

Article 10 After receiving an application for drug advertisement approval number, where the dossier is complete and in conformity with statutory requirements, the drug advertisement examination authority shall issue an Acceptance Notice of Drug Advertisement; where the dossier is incomplete or not conforming to the statutory requirements, one notification on all the content to be supplemented or corrected shall be given to the applicant on the spot or within five working days; if the notification to the applicant is not issued within the timeline, the application is deemed as being accepted upon the date when the dossier is received.

Article 11 Within ten working days upon accepting an application, the drug advertisement examination authority shall check the authenticity, legality and validity of the documents submitted by the applicant, and shall examine the advertisement content in accordance with law. For the drug advertisement in conformity with statutory requirements, a drug advertisement approval number shall be issued; for those not in conformity with statutory requirements, the authority shall make a decision of not issuing a drug advertisement approval number and notify the applicant of the decision with reasons in written form and the applicant’s right to apply for administrative reconsideration or to bring an administrative suit by law.

For approved drug advertisement, the drug advertisement examination authority shall report to the State Food and Drug Administration for records and send the approved Application Form for Drug Advertisement to the authority responsible for advertisement supervision and control at the same level for records. Where there is any problem in the drug advertisement reported to the State Food and Drug Administration for records, the State Food and Drug Administration shall instruct the drug advertisement examination authority to correct it.

The drug regulatory departments shall announce the approved drug advertisement timely.

Article 12 Where a drug advertisement is to be published in the province, autonomous region or municipality directly under the Central Government other than the place where the drug manufacturer and the agent of the import drug are located (hereinafter referred to as “non-local drug advertisement”), it shall, before being published, be submitted for records to the drug advertisement examination authority in the place where the advertisement is to be published.

Article 13 The following materials for non-local drug advertisement shall be submitted for record:
(1) Copy of the Application Form for Drug Advertisement;
(2) Copy of the approved drug insert sheet;
(3) For television or audio broadcast advertisement, it is required to submit the audio tape, compact disc or other medium carrier on which the content is consistent with the approved content.

The copy of any document prescribed in this Article shall be sealed by the document holder.

Article 14 For application for putting non-local drug advertisement on record in accordance with Articles 12 and Article 13 of the Provisions, the drug advertisement examination authority shall, within five working days after accepting the application, put such drug advertisement on record, endorse the word “recorded” on the Application Form for Drug Advertisement, affix the seal specific for drug advertisement examination and send the form to the supervision and control authorities for advertisements at the same level for future reference.

Where the drug advertisement examination authority of a place where a drug advertisement is to be put on record finds that the drug advertisement is not conformed with the relevant provisions, it shall fill in the Opinion on the Record of Drug Advertisement Examination (Appendix 2), submit it to the original drug advertisement examination authority for check, and copy it to the State Food and Drug Administration.

Within five working days upon receiving the Opinion on the Record of Drug Advertisement Examination, the original drug advertisement examination authority shall give its opinions to the drug advertisement examination authority of the place where the drug advertisement is to be put on record. Where no consensus is achieved between the original drug advertisement examination authority and the drug advertisement examination authority of the place where a drug advertisement is to be put on record, the case may be submitted to the State Food and Drug Administration that shall make a final judgment.

Article 15 The valid term of a drug advertisement approval number is one year. It shall become invalid upon expiration.

Article 16 The content of an approved drug advertisement is not allowed to be changed when being published. Where any change to the drug advertisement is needed, a new drug advertisement approval number shall be obtained.

Article 17 Where an advertisement applicant publishes a drug advertisement by itself, it shall keep the original Application Form for Drug Advertisement for two years for future check.

Where an advertisement publisher or advertising operator is authorized by the applicant to publish a drug advertisement, it shall check the original Application Form for Drug Advertisement, publish the advertisement in accordance with the approved content and keep a copy of the Applicant Form for Drug Advertisement for two years for future check.

Article 18 Where there is any of the following circumstances for an approved drug advertisement, the original drug advertisement examination authority shall issue a Notice of Drug Advertisement Re-examination (Appendix 3) and conduct the re-examination. The drug advertisement may continue to be published during the re-examination.

(1) The State Food and Drug Administration finds that the content of the drug advertisement approved by the drug advertisement examination authority is not in conformity with the provisions;
(2) A supervision and control authority for advertisement at or above provincial level makes a re-examination proposal;
(3) Other circumstances where a re-examination is required by a drug advertisement examination authority.

After re-examination, where the drug advertisement is not in conformity to the statutory requirements, the Application Form for Drug Advertisement shall be taken back and the original drug advertisement approval number shall become invalid.

Article 19 Drug advertisement examination authorities shall cancel the drug advertisement approval number in any of the following circumstances:
(1) Where a Drug Manufacturing Certificate or the Drug Supply Certificate is revoked;
(2) Where a drug approval document is withdrawn or cancelled;
(3) Where the State Food and Drug Administration or the drug regulatory department of the province, autonomous region or municipality directly under the Central Government instructs to stop the production, sales and use of the drug.

Article 20 For any alteration to the approved content of a drug advertisement for false propaganda, the drug regulatory departments shall instruct to stop the publication of the advertisement immediately, revoke the drug advertisement approval number, and shall not accept any application for advertisement of the drug within one year.

Article 21 Where any illegal advertisement in which the scope of indications (functions) of the drug is expanded without authorization, the therapeutic effectiveness is exaggerated extremely, or which seriously cheats or misleads the customers, is found, the drug regulatory department at or above the provincial level shall take mandatory administrative measures to suspend the sales of the drug within their administrative area and order the enterprise that illegally publishes the drug advertisement to issue a correction notice in relevant local media.

After the enterprise that illegally publishes the drug advertisement issues a correction notice as required, the drug regulatory department at or above the provincial level shall make a decision on lifting the mandatory administrative measures within 15 working days; where it is necessary to test the drug, the drug regulatory departments shall determine whether to lift the mandatory administrative measures within 15 days as from the day when the test report is issued.

Article 22 Where a drug advertisement application providing false materials is found by the drug advertisement examination authority during the examination, no further application of the enterprise in respect of the advertisement of the drug shall be accepted within one year.

Article 23 Where a drug advertisement with an approval number is found by the drug advertisement examination authority to have provided false materials, such drug advertisement approval number shall be revoked and no further application from the enterprise in respect of the advertisement of the drug shall be accepted within three years.

Article 24 Any drug advertisement, of which the approval number is taken back, cancelled or revoked in accordance with Article 18, Article 19, Article 20 and Article 23 of the Provisions, shall be discontinued for publication immediately; non-local drug advertisement examination authorities shall stop filing the record of the advertisement of the enterprise with the drug advertisement approval number.

Where a drug advertisement examination authority takes back, cancels or withdraws a drug advertisement approval number in accordance with Article 18, Article 19, Article 20 and Article 23 of the Provisions, it shall notify the supervision and control authority for advertisements at the same level within five working days from the day when the administrative decision on the matter is made; the supervision and control authority for advertisements shall handle it in accordance with law.

Article 25 Where a non-local drug advertisement is found not put on record in the drug advertisement examination authority of the place where it is published, the authority shall instruct to file its record within a time limit. If the record is not filed within the time limit, the drug advertisement in the above-mentioned place shall be suspended.

Article 26 The drug regulatory department at or above the county level shall monitor and check the publishing of drug advertisement that has been examined and approved. For any illegal drug advertisements, drug regulatory departments at all levels shall fill in the Notice on the Transfer of Illegal Drug Advertisement (Appendix 4) and transfer it to an supervision and control authority for advertisements at the same level together with such materials as samples of illegal drug advertisement; where the content of approved non-local drug advertisement is altered without permission, the drug advertisement examination authority of the place where the advertisement is published shall advise the original drug advertisement examination authority to revoke its approval number in accordance with Article 92 of the Drug Administration Law and Article 20 of the Provisions.

Article 27 Where an illegal drug advertisement is published and the circumstances are serious, the drug regulatory department of province, autonomous region or municipality directly under the Central Government shall announce the matter to the public and timely report it to the State Food and Drug Administration. The State Food and Drug Administration shall summarize and release the collected information periodically.

Where any false or illegal drug advertisement is published and the circumstances are serious, it shall be announced to the public jointly by the State Administration for Industry and Commerce and the State Food and Drug Administration if necessary.

Article 28 For any drug advertisement published without approval, or the contents published inconsistent with the approved ones, the supervision and control authority for advertisements shall impose a punishment in accordance with Article 43 of the Advertisement Law; where it constitutes false advertisement or misleading propaganda, the supervision and control authorities for advertisements shall impose a punishment in accordance with Article 37 of the Advertisement Law and Article 24 of Anti-Unfair Competitions Law.

In the process of investigation of an illegal drug advertisement, where there is a need to affirm any drug technical information, the supervision and control authority for advertisements shall notify the drug regulatory department at or above the provincial level. The drug regulatory department at or above the provincial level shall give the affirmation result to the supervision and control authorities for advertisements within ten working days after receiving the notification.

Article 29 The staff members that examine and supervise drug advertisements shall be trained in such laws and regulations as the Advertisement Law and the Drug Administration Law. Where the staff members in drug advertisement examination department or in supervision and control authority for drug advertisements neglect their duty, abuse their power, or practice favoritism and commit irregularities, they shall be given an administrative sanction in accordance with law. If a crime is constituted, they shall be investigated for their criminal liabilities in accordance with law.

Article 30 A drug advertisement approval number shall be “X Yao Guang Shen (Shi) No. 0000000000", “X Yao Guang Shen (Sheng) No. 0000000000", “X Yao Guang Shen (Wen) No. 0000000000". “X” is the abbreviation for a province, autonomous region or municipality directly under the Central Government. “0000000000” is a number with ten digits, in which the first six represent year and month of the examination, and the last four represent advertisement approval sequence number. “Shi”, “Sheng” or “Wen” represents certain classification code used in advertising media.

Article 31 These Provisions shall come into force as of May 1, 2007. The Provisions for Drug Advertisement Examination issued by the State Administration for Industry and Commerce and the Ministry of Health (Decree of State Administration for Industry and Commerce No. 25) on March 22, 1995 shall be annulled therefrom.