金融庁、かんぽ・郵便に立ち入り＝不適切な販売実態、解明へ

　金融庁は１１日、日本郵政傘下のかんぽ生命保険と日本郵便に立ち入り検査した。保険の二重契約や無保険状態など、顧客に不利な契約が横行した実態や、郵政グループ全体の内部管理体制を詳しく調べ、保険業法違反がないかを厳しく検査。行政処分を検討する。検査は約２カ月間に及ぶ見通し。
　金融庁は、両社に検査官を派遣し、関係者を聴取。取締役会や経営会議、非公式会合などの詳細な議事録を精査し、経営陣や幹部が販売の実態をどこまで把握していたかを調べる。親会社の日本郵政に対しても、内部管理やコーポレートガバナンス（企業統治）の責任を追及する方針だ。（2019/09/11-12:48）

The Financial Services Agency began on-site inspections of Japan Post Co. and Japan Post Insurance Co. Wednesday over an insurance sales scandal involving the Japan Post Holdings Co. subsidiaries.
   Over the course of the roughly two-month-long investigation, the agency will examine the background of the inappropriate sales practices, as well as the Japan Post group's internal management regime, to assess whether there were any violations of the insurance business law.
   The agency sent investigators to the two companies to hear from related officials and examine detailed minutes of board meetings, management meetings and unofficial meetings to grasp the extent to which management and senior officials knew of the wrongdoings.
   The agency also plans to press the parent company on its responsibility over internal management and corporate governance. The group has been under fire for a corporate culture that apparently neglects customer interests.
   Japan Post Insurance allegedly concluded more than 180,000 contracts in which policyholders may have been placed at a disadvantage due to inappropriate insurance sales practices by employees of Japan Post Co. partly resulting from extreme sales quotas imposed on them. Such cases include ones in which policyholders made double premium payments or became temporarily uninsured.