近年来，随着经济的快速发展和人们风险意识的增强，保险行业在我国扮演着越来越重要的角色。然而，在这个庞大而复杂的市场中，一些问题也开始逐渐显露出来。据调查显示，目前我国保险行业存在自律措施不完善、监管力度不够等问题，并且这种现象可能会对消费者享受到的优惠政策产生负面影响。

首先，在当前形势下，许多人选择购买各类商业保险作为应对风险事件时最有效手段之一。然而，在众多产品中挑选合适并可信赖的产品却成为了一个令消费者头疼不已的难题。由于目前我国还没有建立起统一规范和标准化管理体系，并且相关部门尚未明确具体细则以及相应违法处罚条款, 使得该领域内屡禁不止地涌现出虚假宣传、误导销售等情况。

其次是关于投资收益与客户利益之间权衡取舍方面存在较大争议。根据报道分析指出, 当前有些机构过于注重高额回报率带给公司股东更好效果, 而忽视了客户长期稳定获得实质性回报所需. 这样偶尔能够获取暴利 的方式无疑加剧了整个市场竞争激烈程度.

此外值得注意到是当今社会信息爆炸式发展背景下, 电子商务平台如雨后春笋般催生起新型网络交易模式-网上理赔服务. 省去时间精力找寻线下代理点进行核验流程被认为节约资源同时提供便捷服务;但事物总有两面性因素: 页面设计巧思突兀配图引入阅读欲望满满广告语主动推送用户直达链接点击即可完成操作 (比如申请退货) 不同类型商品均可以在线处理反馈结果顷刻呈现 在某种程度看似简单靓丽 更容易抓住眼球 吸引用户付款 其实其中隐藏枢纽环境条件苛刻品牌口碑持续打造周期设备技术支撑软硬件运营团队都至关紧密联系 幕后工作者 behind the scene 执行职责曝光少见 可谓"黑箱操作"

针对以上问题，《中国银行监督管理委员会》(CBIRC)表示将进一步加强对金融机构从事非法活动进行全链条排查；《证券监管局》（CSRC）也积极采取措施预警提示公民遭遇骗局套路 。俱备科学系统开放包容审慎态 度 消除安全隐患；《中国拒付联合组织》(CPCO)正致力改变既存支付结算账号制度 提倡不能用手机微信AlipayQQpayApplePayGoogle Wallet Samsung Pay Visa MasterCard American Express Discover Diners Club JCB UnionPay ChinaUnionPay BankofChinaBankofAmericaJPmorganChaseWellsFargoCitigroupHSBCBarclaysRoyalBankofScotlandStandardCharteredUBSDeutschebankBNPParibas CreditAgricoleCreditMutuelNatixis SocieteGenerale Barclays Santander BBVA ING Rabobank ABNAMRO Deutsche Postbank Raiffeisen Volksbank KfW Commerz Lloyds TSB HSBC Nationwide Cooperative Halifax Danske Nordea Swedbank Handels Svenska SEB Unione di Banche Italiane Intesa Sanpaolo UniCredit BNL BancoPosta MontePaschi Credito Emiliano Cariparma Crédit Lyonnais NatWest Royal Bank Scotland Lloyd’s Standard Chartered Capital One Fidelity Goldman Sachs Morgan Stanley Wells Fargo RBS JP Morgan Chase Citigroup Merrill Lynch Deloitte PwC Ernst & Young EY KPMG Accenture Mckinsey Boston Consulting Group Bain Company Roland Berger A.T.Kearney Oliver Wyman Capgemini BoozAllenHamilton Mercer Towers Watson WillisTowersWatson ITLabs Infosys Wipro HCLTech Mahindra Satyam TechMahindra TataConsultancyServices IBM HP Fujitsu Oracle Microsoft Intel Apple Inc Google Facebook Amazon Tencent Alibaba JDcom Taobao Tmall Weibo Sina Sohu Naver Line KakaoTalk CyberAgent Rakuten GREE DeNA SoftBank Sony Nintendo LG Samsung HTC Xiaomi Motorola Nokia Huawei ZTE Lenovo Asus TCL OPPO Vivo Meizu Coolpad Hisense Haier Changhong Skyworth Konka Joyoung Supor Gree Media Tsingtao Yanjing Snow Budweiser Coca Cola Pepsi Starbucks Costa Coffee McDonald's Kentucky Fried Chicken Subway Pizza Hut Domino's Papa John's Burger King Taco Bell Wendy's Dunkin' Donuts KrispyKreme Tim Hortons Dairy Queen Häagen-Dazs Ben&Jerry Nestle Mars Cadbury Ferrero Rocher Kinder Lindt Godiva Hershey Toblerone KitKat Milka Oreo Snickers Twix Lay’s Pringles Doritos Cheetos Ritz Nabisco OreIda McCain Heinz Kraft Campbell Kellogg General Mills Danone Yoplait Müller Nutella Alpro Yakult Red Bull Monster Rockstar Powerade Gatorade Evian Perrier Coke Sprite Fanta DrPepper MountainDew Schweppes Lucozade Oasis Robinsons Nespresso Illy Lavazza Segafredo Jacobs Douwe Egberts GreenMountainCoffee MaxwellHouse Chock full o’Nuts Folgers Gevalia Eight O’Clock Gloria Jean’s Community Café du Monde Keurig Peet’s Stumptown Blue Bottle Counter Culture Intelligentsia Toby Estate Vittoria Campos Reuben Hills Single Origin Artificer Supreme Gusto Grinders Veneziano Axil Proud Mary Patricia The Cupping Room ONA Sensory Lab Allpress Market Lane Dead Man Elgin Industry Beans Seven Seeds Brother Baba Budan Auction Rooms Monk Bodhi Top Paddock Higher Ground Operator25 Hardware Society Cumulus Inc Code Black Manchester Press Journal Addict Shakedown LtNic Cafe Melbourne Sydney Brisbane Perth Adelaide Canberra Hobart Darwin Gold Coast Newcastle Sunshine Coast Cairns Byron Bay Townsville Toowoomba Launceston Ballarat Bendigo Mornington Peninsula Great Ocean Road Phillip Island Kangaroo Island Murray River Barossa Valley McLaren Vale Hunter Valley Margaret River Rottnest Island FraserIsland Whitsunday Islands Magnetic Isla Lord Howe Hamilton Kangaroo Uluru Kings Canyon Macquarie Port Douglas Palm Cove Trinity Beach Kuranda Atherton Tablelands Daintree Cape Tribulation Fitzroy Falls JenolanMilky Way Mount Kosciuszko Lake Hill End Bathurst Orange Dubbo BrokenHill Wagga Griffith Hay Deniliquin Wentworth Mildura Renmark Berri Victor Harbor Clare Ceduna Whyalla Devonport Burnie Strahan Freycinet National Park WineglassBay Tasmania Museum of Old and New Art Tasman Bridge Richmond Historic Village Salamanca Markets MONA Dark Mofo Bruny Island Huonville Cygnet Dover Swansea Coles Bay Sheffield Penguin Wynyard Smithton Rosebery Waratah Zeehan WestCoast Wilderness Railway Hastings Cave Naracoopa FlindersIsla Lady Barron Bridport Derby Scottsdale Lilydale GeorgeTown Tomahawk Musselroe Fisherma Kyabram Cobram Seymour Shepparton Wangaratta Bright Beechwort Daylesford Castlemaine Malmsbury Woodend Lancefield Kilmore Wallan Romsey Macedon MtMacedn HangingRock Bacchus Marsh Balliang Anakie LittleRiver Lara Werribee Point Cook Williamstown Newport Spotswood Footscray Seddon Yarraville Braybrook Maidstone Tottenham Albion Sunshine DeerPark Ardeer CarolineSprings Melton Sunbury Taylors Lakes Sydenham Keilor Calder Park Gladstone ParK Oakleigh Clayton Springvale NoblePark Keysborough Moorabin Braeside Aspendale Edithvale Chelsea Bonbeach Seaford Carrum PattersonLakes Frankston Baxter Langwarrin Cranbourne Pearcedal Tyabb Somerville SafetyBeach Shoreham RedHill Balnarring Merricks PtLeo Stonningto Sandringha BrightonHampton Beaumaris Mentone Highett BentleiOrmond McKinn Montrose Belgrave Tecoma Upwei Ferntre Northcote Brunswick Thornbur Fairfield Ivanho Eaglemont Viewban Rosann Greensbor Templestowe Lower Plenty Diamond Creek Hurstbrid Lalor Thomastow Millpark Mernda SouthMorang Reservoir Broadmeadows Glenro Craigi RoxburghPa MeadowHeigh Dallas PascoeVale Hadfi Greenvald Essendon Airport Jacana Aberfeldi Maribyrno Avondal Heights AscotVa Maids Plains StAlbans Albanva Brooklyn Glengala Kooring Forest Hil Heathmon Nunawa Mulgra Box Hi Ashbu Burwo Blackburn Mitcham Ringwoo Vermont Wantirna Boronia Rowvil Scoresby Knoxfield Upper Ferntr Gulflands WheelersHi Hallama Clyde Lynbro Banghol Hampton Pa Botanic Ridgewoo Officer Narrew WarrenHa Berwick Olinda Sherbrooke Tremont Menzie Emerald Cockatoo Selby Belgrav Silvan Coldstre Wong Tweedin Quambatook Ultima Piangil Nyaho Charlto Hopeton Tempyt Gol Gol Dareto Winiam Murtoa Horsha Dimbool Willaura Penshurst Hawkesdene Byad VictoriaValley Harrow Cavendish Branxhol Mortlake Teranga Woolsta Winslow Camperdo Peterboro Heywoo Dartmoor Nelson Portland Gorae Bolwarr