Circle of friends seems to have become a trading paradise

Beijing Times reporter Niu Ying Hui

Open a WeChat circle of friends, whether it is clothing, cosmetics, specialty, or domestic service, financial products, as friends of the new things into a full screen of product information and shopping links, do not think the wrong place, and now the circle of friends As if has become a trading paradise.

While this "familiar economy" approach is not illegal, it is noteworthy that products in the circle of friends are all-encompassing, but not all products are sold.

Recently, selling insurance online through acquaintances has become a new way for many life insurance marketers. However, some insurance products are often exaggerated or misleading in the media "propaganda and diffusion" of insurance products. Potential risks prepare regulators for concern.

To this end, Beijing Insurance Regulatory Commission promulgated the "Beijing area life insurance business practices" on life insurance salesman put forward many prohibitions, since August 1 formally implemented. In view of the misleading acts such as exaggerating the word selling online insurance and other means, the law stipulates that all the life insurance companies should manage the salesman through the Internet to promote and sell the insurance products. Insurance marketers shall self-construct websites or web pages or advertise and sell insurance products through e-commerce trading platforms, online forums, blogs, Weibo, WeChat, online publications and online advertisements, and the company shall supervise and manage the advertisements , The legality of the sales of insurance products, compliance is responsible for. This also means that marketers sell insurance from the media, insurance companies bear the corresponding responsibility.

In fact, with the popularization of Weibo and WeChat, many companies or individuals have started to use this network approach for promotion. In my opinion, such a thing as WeChat marketing should look from two aspects. On the one hand, online sales are not a personal act. Insurance companies use public accounts to promote insurance products with the nature of the company and the authenticity of the products is guaranteed. On the other hand, insurance marketers should avoid personal marketing Is full of unknown internet.

As a kind of complicated financial product, insurance has very limited popularization effect in China in recent years. One of the most crucial points is the misleading sales of personal danger insurance. Once it is safeguarded and regulated by the authenticity of insurance companies, the self-construction of insurance agents Personal behavior such as websites can easily cause unnecessary insurance disputes. The positive image that the insurance can not be easily upheld can not be damaged by such acts as excessive and laissez-faire.

Insurers have shown great enthusiasm for the Internet as a novelty. But "circle of friends" after all is not a business field, effective supervision can make the industry thrive.