tingyun-insurance-sales-compliance@1.0.1

Publisher claims: "面向中小保险中介机构、保险专业代理机构与转型独立代理人的销售合规自查顾问。买下后你会拿到三样可直接用的东西：①36 项自查表，按双录、销售适当性、夸大承诺、返佣费用、保费管理、未如实告知、销售误导、无证展业、自保互保、数据消保十组编排，每项写明怎么查、常见表现、依据条款与风险等级（高 29 · 中 7）；②一个可直接跑的自查脚本，按你的分支机构数、销售渠道数、从业人数算出风险分，输出十组风险分布、Top 10 优先整改项与整改台账 CSV；③一份真实行政处罚案例与依据库，26 例处罚案例含机构名、案号、违规事实、罚款金额、依据条款，另有 22 条现行有效监管依据与三个引用陷阱。技术触发词「销售合规自查、双录质检、适当性匹配、处罚案例」。口语触发词「我们支公司双录怎么做才不会被罚、销售适当性要留哪些东西、有哪些保险销售的红线不能碰」。输出可直接使用的清单、对照表与行动项。仅作合规自查与整改辅助，不构成法律意见或监管认定结论，需人工复核。 Insurance sales compliance self-check advisor for small and mid-sized insurance agencies, professional intermediary branches, and independent agents transitioning to solo practice. Three ready-to-use deliverables come with it: a 36-item self-check table organised into ten groups (double-recording, suitability, misrepresentation, rebates, premium handling, duty of disclosure, marketing conduct, unlicensed selling, self-policing, data protection), each with the audit procedure, the red flags to look for, the governing regulation and a risk tier (29 high, 7 medium); a runnable script that scores your exposure from your branch count, channel mix and headcount, then prints the per-group risk profile, a Top 10 remediation priority order and a remediation ledger as CSV; and a library of 26 documented regulatory penalty cases with institution, case number, violation facts, fine amount and the regulation cited, plus 22 current regulatory instruments and three citation traps to avoid. Does not issue legal opinions or regulatory determinations; human review is required. English edition and bundles: https://www.agensi.io/r/CREATOR8796142 (catalogue: https://github.com/Tingyun01/tingyun-skills)." Observed in sandbox: no network, touches nothing outside the project, writes no memory.