中华人民共和国外资保险公司管理条例实施细则(英文版)

中华人民共和国外资保险公司管理条例实施细则(英文版)

中华人民共和国外资保险公司管理条例实施细则(英文版)

DetailedRulesforImplementationofRegulationsofthePeople’sRepublicofChinaonAdministrationofForeign-fundedInsuranceCompanies

Article1

TheseRulesareformulatedinaccordancewiththeInsuranceLawofthePeople’sRepublicofChinaandtheRegulationsofthePeople’sRepublicofChinaonAdministrationofForeign-fundedInsuranceCompanies(hereinafterreferredtoas“theRegulations”).

Article2

AforeigninsurancecompanyundertheRegulationsreferstoaninsurancecompanyregisteredandconductinginsurancebusinessoutsidetheterritoryofChina.

Article3

TheproportionofforeignequityinaninsurancecompanyincorporatedwithintheterritoryofChinabyaforeigninsurancecompanywithaChinesecompanyorenterprisethatconductslifeinsurancebusiness(hereinafterreferredtoas“joint-equitylifeinsurancecompany”)shallbenomorethan50%ofthetotalequityofthecompany.

Thesharesofajoint-equitylifeinsurancecompanydirectlyorindirectlyheldbyaforeigninsurancecompanyshallnotexceedthelimitofproportionasstipulatedintheprecedingparagraph.

Article4

Foraforeign-fundedinsurancecompanyestablishedwithintheterritoryofChinabeforetheRegulationsbecameeffectivewithregisteredcapitalorworkingcapitaloflessthanRMB200millionoranequivalentamountinafreelyconvertiblecurrency,itsregisteredcapitalorworkingcapitalshallbefullypaidwithin2yearsaftertheseRulesbecomeeffective.Forthosewhofailtofullypaytheregisteredcapitalorworkingcapital,ChinaInsuranceRegulatoryCommissionshallnotgrantapprovaltotheirapplicationforoperationofnewbusiness.

Article5

Theregisteredcapitalorworkingcapitalofaforeign-fundedinsurancecompanyshallbetheactuallypaid-upcurrency.

Article6

Afterestablishingabranch,theforeigninsurancecompanyshallnotwithdrawtheworkingcapitalinanyform.

Article7

Theperiodofoperationofinsurancebusinessbeingmorethan30years,whichismentionedinItem1ofArticle8oftheRegulations,meansthattheforeigninsurancecompanyshallhavecontinuouslybeenrunninginsurancebusinessformorethan30years,andtheforeigninsurancecompany’sacquisitionofanotherinstitutionormergerwithanotherinstitutiontoestablishanewinsurancecompany,shallnotaffectthecalculationofthebusinessoperationperiod.

Thebusinessoperationperiodofasubsidiaryofaforeigninsurancecompanyshallstartfromthedateofestablishmentofthesubsidiary.

Article8

TherepresentativeofficementionedinItem2ofArticle8oftheRegulationsreferstothefollowingrepresentativeofficesapprovedbyChinaInsuranceRegulatoryCommission(hereinafterreferredtoas“CIRC”):

(1)Therepresentativeofficeestablishedbyaforeigninsurancecompany;

(2)Therepresentativeofficeestablishedbyagrouptowhichaforeigninsurancecompanybelongs.

Article9

Therepresentativeofficeestablishedbyaforeigninsurancecompanyoritsgrouptowhichtheinsurancecompanybelongsisonlyapplicabletoapplicationforestablishingoneforeign-fundedinsurancecompany.

Article10

TheendoftheyearpriortotheapplicationfortheestablishmentmentionedinItem3ofArticle8oftheRegulationsreferstotheendofthepreviousfiscalyearbeforethedateofapplication.

Article11

TheotherprudentialrequirementsmentionedinItem7ofArticle8oftheRegulationsshallatleastincludethefollowingrequirements:

(1)Reasonablestructureforcorporategovernance;

(2)Stableandsoundriskcontrolsystem;

(3)Soundinternalcontrolsystem;

(4)EffectiveManagementInformationSystem;

(5)Goodoperatingperformancewithoutrecordsofseriousviolationoflawsandregulations.

Article12

Wheretheapplicantfailstoprovidethebusinesslicense(duplicate)asstipulatedinItem2ofArticle9oftheRegulations,theapplicantmayprovideavalidcopyofthebusinesslicenseorawrittencertificateissuedbytherelevantauthorityevidencingtheapplicant’seligibilitytoconductinsurancebusiness.

Article13

ThecertificatementionedinItem2ofArticle9oftheRegulations,whichisissuedbytherelevantauthorityofthecountryorregionwheretheforeignapplicantislocatedtoevidencetheapplicant’ssolvency,shallincludeoneofthefollowingcontents:

(1)Certifyingthattheapplicantcomplieswiththeregulatoryrequirementsofthecountryorregiononsolvencyinthepreviousfiscalyearasofthedatewhentherelevantauthorityissuesthecertificate;

(2)Certifyingthattheapplicanthasnorecordofincompliancewiththestandardofthecountryorregiononsolvencyinthepreviousfiscalyearasofthedatewhentherelevantauthorityissuesthecertificate.

Article14

TheLetterofCommentsissuedbytherelevantauthorityofthecountryorregionwheretheforeignapplicantislocatedconcerningtheapplicant’sapplication,whichismentionedinItem2ofArticle9oftheRegulations,shallincludethefollowingcontents:

(1)WhethertheapplicationfortheestablishmentofaninsuranceinstitutioninChinacomplieswiththelawsandrulesoftheapplicant’scountryorregion;

(2)Whethertheauthorityapprovestheapplicant’sapplication;

(3)TherecordofthepunishmentimposedontheapplicantinthelastthreeyearspriortothedateofissuanceoftheLetterofCommentsbytherelevantauthority;

Article15

TheannualreportmentionedinItem3ofArticle9oftheRegulationsshallincludetheBalanceSheets,StatementsofProfitandLoss,andCashFlowStatementsoftheapplicantinthelastthreefiscalyearspriortothedateofapplication.

Theannualreportmentionedintheprecedingparagraphshallbeattachedwiththeauditor’sreportissuedbyanaccountingorauditingfirmauthorizedbythecountryorregionwheretheapplicantislocated.

Article16

ExceptotherwisespecifiedbythelawsoradministrativeregulationsorapprovedbytheStateCouncil,theChineseapplicantmentionedinItem4ofArticle9oftheRegulationsshallsatisfythefollowingrequirements:

(1)Thecompaniesorenterpriseswiththecapacityoflegalpersonregisteredattheadministrationdepartmentofindustryandcommerce,excludingcommercialbanks,securitiesorganizationsandtheforeign-fundedenterprisesspecifiedintheLawofthePeople’sRepublicofChinaonForeign-fundedEnterprises;

(2)Beingapprovedbytheadministrativeauthorityoftheenterpriseoritsshareholders’meeting;

(3)Goodoperatingperformanceandinthepreviousfiscalyearasoftheapplicationdatebeingprofitable;

(4)Makingtheinvestmentwithself-ownedcapitalfromlegitimatesources.

Article17

TherelevantdocumentstobesubmittedbyaChineseapplicantfortheestablishmentofajoint-equityinsurancecompanyshallincludebusinesslicense(duplicate),articlesofassociation,businessstructure,operationhistory,annualreportandpunishmentrecordforthelastthreeyears.

Article18

Thepersoninchargeofthepreparationofaforeign-fundedinsurancecompanyshallsatisfythefollowingrequirements:

(1)Academicdegreeabovejuniorcollegelevel;

(2)Insuranceorrelatedworkexperienceforover2years;

(3)Noillegalandcriminalrecord.

Article19

WhereanapplicantappliesfortheextensionofthepreparationperiodaccordingtotheprovisionsspecifiedinArticle11oftheRegulations,heshall,within1monthbeforeexpirationoftheoriginalpreparationperiod,submitawrittenapplicationtoCIRCandexplainthereason.

Article20

ThepreparationreportmentionedinItem1ofArticle11oftheRegulationsshallsummarizealltheissuesstatedinotherparagraphsunderthisarticle.

Article21

ThestatutorycapitalverificationorganizationmentionedinItem4ofArticle11oftheRegulationsreferstoanaccountingfirmcomplyingwiththerequirementsofCIRC.

Article22

ThecapitalverificationcertificatementionedinItem4ofArticle11oftheRegulationsshallincludethefollowingcontents:

(1)ACapitalVerificationReportissuedbyastatutorycapitalverificationorganization;

(2)Acopyoftheoriginalbankreceiptvoucherevidencingpaymentoftheregisteredcapitalorworkingcapital.

Article23

Themainperson-in-chargementionedinItem5ofArticle11oftheRegulationsreferstothegeneralmanageroftheproposedbranchofaforeigninsurancecompany.

Theletterofattorneyissuedtothepersontobeappointedasthemainperson-in-chargeoftheproposedbranchoftheforeigninsurancecompany,referstotheletterofattorneyissuedtothepersontobeappointedasthegeneralmanageroftheproposedbranchoftheforeigninsurancecompany,whichissignedbytheChairmanoftheBoardofDirectorsorGeneralManageroftheforeigninsurancecompany.

Theletterofattorneyshallexplicitlyspecifythescopeofauthorizationgrantedtotheauthorizedperson.

Article24

TheseniormanagerialpersonneloftheproposedcompanymentionedinItem6ofArticle11oftheRegulationsshallhavethequalificationsspecifiedbyCIRC.

Theseniormanagerialpersonnelofthebranchofaforeigninsurancecompanyshallhavethequalificationsequaltothoserequiredforthecounterpartsintheheadquartersofaninsurancecompany.

Article25

ThematerialsregardingbusinessplaceoftheproposedcompanymentionedinItem9ofArticle11oftheRegulationsreferstothesupportingdocumentsevidencingtheownershiporuse-rightofthebusinessplace.

ThematerialsconcerningotherfacilitiesrelatedtothebusinessmentionedinItem9ofArticle11oftheRegulationsshallincludeatleastinformationaboutconfigurationofcomputerfacilities,networkconstructionandinformationmanagementsystem.

Article26

Thefollowingdocumentsormaterialstobeprovidedbyaforeigninsurancecompanyforanapplicationfortheestablishmentofaforeign-fundedinsurancecompanyaccordingtotherequirementsspecifiedintheRegulationsandtheseRules,shallbenotarizedbyapublicnotarylegallyestablishedinthelocalcountryorregion,orverifiedbytheembassyorconsulateofChinainthatcountry:

(1)Thebusinesslicense(duplicate)orvalidcopyofthebusinesslicense;

(2)Aletterofattorneyissuedtotheproposedperson-in-chargeofthebranchofaforeigninsurancecompany;

(3)AletterofguaranteeofaforeigninsurancecompanytoundertaketheobligationsoftaxanddutiespaymentanddebtsrepaymentonbehalfofitsbranchinChina.

Article27

Aforeign-fundedinsurancecompanymayapplyforestablishingbranchesasneededaccordingtobusinessdevelopment.

Thebranchofaforeigninsurancecompanycanonlyconductbusinesswithintheterritoryoftheprovince,autonomousregionormunicipalitywherethebranchislocated.Wherethejoint-equityinsurancecompanyorwholly-ownedinsurancecompanyispreparedtoconductbusinessinanyotherprovince,autonomousregionormunicipalityoutsideitslocality,itshallestablishabranchintheplaceconcerned.

Aforeigninsurancecompanymay,accordingtoactualcircumstances,applyforestablishingacentralsub-branchorsub-branch,operatingofficeormarketingserviceoffice.TheestablishmentandmanagementofmarketingserviceofficesshallbesubjecttootherapplicableregulationsofCIRC,ifany.

Article28

Whereajoint-equityorwholly-ownedinsurancecompanywhichhasbeenestablishedwithaminimumregisteredcapitalofRMB200million,appliesforthefirsttimefortheestablishmentofabranchineveryotherprovince,autonomousregion,ormunicipalityoutsideitslocality,itshallincreasetheregisteredcapitalbynolessthanRMB20million.

Bythetimeofapplyingfortheestablishmentofabranch,iftheregisteredcapitalofajoint-equityorwholly-ownedinsurancecompanyhasreachedtheamountasstipulatedintheprecedingparagraph,thecompanywillnolongerberequiredtoincreaseitsregisteredcapital.

Wheretheregisteredcapitalofajoint-equityorwholly-ownedinsurancecompanyhasreachedRMB500millionandwherethesolvencyofthecompanyisadequate,noincreaseofregisteredcapitalisrequiredwhenthecompanyappliesfortheestablishmentofabranch.

Article29

Aforeign-fundedinsurancecompanythatappliesfortheestablishmentofabranchshallsatisfythefollowingrequirements:

(1)ItssolvencymarginshallcomplywithrelevantregulationsspecifiedbyCIRC.

(2)Itsinternalcontrolsystemissoundandthereisnorecordofpunishment;wheretheoperatingperiodexceeds2years,thereisnorecordofpunishmentinthemostrecent2years;

(3)IthasseniormanagerialpersonnelofthebranchwiththerelevantqualificationsspecifiedbyCIRC.

Article30

Aforeign-fundedinsurancecompanythatappliesfortheestablishmentofabranchshallsubmitanapplicationtoCIRCandprovidethefollowingdocumentsintriplicate:

(1)Aletterofapplicationforestablishment;

(2)Auditedsolvencystatusreportsasoftheendofthepreviousfiscalyearandasoftheendofthelastquarter;

(3)Athree-yearbusinessdevelopmentplanandmarketanalysisfortheproposedbranch;

(4)Resume(s)oftheperson(s)-in-chargeoftheorganizationpreparationandrelevantcertificates.

Article31

CIRCshallexaminetheapplicationanddecide,within20daysafterreceivingthecompleteapplicationdocuments,whetherornottograntapproval;incasenoapprovalisgranted,CIRCshallinformtheapplicantinwritingofthedecisionandexplainthereason.

Afterapprovalisgranted,theapplicantshallcompletethepreparationwithin6months.Wheretheapplicantfailstodosowithintheprescribedtimelimit,ifthereasonisjustifiedandsubjecttoapprovalbyCIRC,theperiodmaybeextendedfor3months.Wherethepreparationisstillnotcompletedwithintheextendedperiod,theoriginalapprovaldocumentissuedbyCIRCbecomesvoidautomatically.

Thepreparingbodymaynotbeengagedinanycommercialactivitiesconcerninginsurance.

Article32

Afterthepreparationiscompleted,theapplicantshallapplytoCIRCforopeningbusinessandsubmitthefollowingdocumentsintriplicate:

(1)Aletterofapplicationforopeningbusiness;

(2)Aprogressreportofthepreparationwork;

(3)Resume(s)ofseniormanagerialpersonneltobeappointedandrelevantcertificates;

(4)Relevantcertificatesofownershiporuse-rightoftheofficefortheproposedbranch,informationregardingtheconfigurationofcomputerfacilities,networkconstruction,andinternalstructureandstaff.

Article33

CIRCshalldecide,within20daysafterreceivingthecompleteapplicationdocumentsforopeningbusiness,whetherornottograntapproval;incasetheapplicationisapproved,alicenseforconductinginsurancebusinessshallbeissuedtothebranch;incasetheapplicationisdisapproved,CIRCshallinformtheapplicantinwritingofthedecisionandexplainthereason.

Thebranchwithapprovalforopeningbusinessshallgothroughtheformalitiesofbusinessregistrationattheadministrationdepartmentofindustryandcommercebypresentingtheapprovaldocumentandthelicenseforconductinginsurancebusinessandaccordinglyobtainbusinesslicensefromtheauthoritybeforeopeningbusiness.

Article34

UnlessotherwisestipulatedintheseRules,theexaminationandadministrationofthequalificationsoftheseniormanagerialpersonnelofaforeign-fundedinsurancecompanyanditsbranchesshallbesubjecttotherelevantregulationsofCIRC.

Article35

Whereajoint-equityorwholly-ownedpropertyinsurancecompanyappliesfordissolutionwhenitsplits,ormergeswithanotherone,ordissolvespursuanttothearticlesofassociation,suchdissolutionmustbesubjecttoapprovalofCIRCandthefollowingdocumentsshallbesubmitted:

(1)AletterofapplicationsignedbytheChairmanoftheBoardofDirectorsofthecompany;

(2)Theresolutionofthemeetingofshareholders;

(3)Compositionoftheproposedliquidationgroupandaplanforliquidation;

(4)Aproposalforsolvingtheoutstandingliabilities.

Article36

Thejoint-equityorwholly-ownedpropertyinsurancecompanywhosedissolutionhasbeenapprovedbyCIRCshall,fromthedateofreceivingtheapprovaldocumentfromCIRC,terminateanynewbusinessactivitiesandhandinthelicenseforconductinginsurancebusinesstoCIRCandformaliquidationgroupwithin15days.

Article37

Theliquidationgroupshall,within5daysafteritsestablishment,informtherelevantauthoritiesconcerningtheadministrationdepartmentsofindustryandcommerce,tax,laborandsocialsecurityinwritingoftheliquidationprocedureandconditions.

Article38

Theliquidationgroupshall,within1monthfromthedateofestablishment,appointanaccountingfirmpursuanttotherequirementsofCIRCtoconductauditing,andshalldeliveranauditor’sreporttoCIRCwithinthreemonthsfromthedateofappointment.

Article39

TheliquidationgroupshallsubmitthelatestliabilityliquidationandassetsdisposalreporttoCIRCbeforethetenthdateofeachmonth.

Article40

ThenewspapermentionedinArticle28oftheRegulationsreferstothenewspaperspecifiedbyCIRC.

Article41

TheforeignpropertyinsurancecompanythatappliesforcancellationofitsbranchinChinashallsubmitanapplicationtoCIRCforapprovalandpresentthefollowingmaterials:

(1)AletterofapplicationsignedbytheBoardofDirectorsorGeneralManageroftheforeignpropertyinsurancecompany;

(2)Compositionoftheproposedliquidationgroupandaplanforliquidation;

(3)Aproposalforsolvingtheoutstandingliabilities.

Theproceduresofapplicationfordissolutionofajoint-equityorforeign-fundedpropertyinsurancecompanyspecifiedintheRegulationsandtheseRulesshallbeapplicabletothespecificproceduresfortheforeignpropertyinsurancecompanytocancelitsbranchinChina.

Wheretheheadofficeofabranchofaforeignpropertyinsurancecompanyisdissolvedorcancelledordeclaredbankruptcyaccordingtolaw,theliquidationandliabilitydisposalofthebranchofsuchforeignpropertyinsurancecompanyshallcomplywiththeregulationsconcerningdissolutionofthejoint-equityorwholly-ownedpropertyinsurancecompanystipulatedinArticle30oftheRegulationsandtheseRules.

Article42

Theforeign-fundedinsurancecompanyinviolationoftherelevantprovisionsoftheseRulesshallbesubjecttopunishmentbyCIRCaccordingtotheprovisionsspecifiedinInsuranceLaw,theRegulationsandotherrelevantlawsandregulations.

Article43

Thedocuments,materialsandwrittenreportstobesubmittedorreportedundertheRegulationsandtheseRulesshallbepreparedinChineseversion,andtheChineseversionshallprevailintheeventofdiscrepancybetweentheChineseversionandtheforeignlanguageversion.

Article44

TheperiodspecifiedintheRegulationsandtheseRulesshallstartfromthedatewhentherelevantmaterialsaredeliveredtoCIRC.Iftheapplicationdocumentsprovidedbytheapplicantisincompleteandfurtherdeliveryisneeded,theperiodshallstartfromthedatewhenthesupplementarymaterialsaredeliveredtoCIRC.

TheperiodconcerningapprovalandreportdeliveryprescribedintheseRulesreferstoworkingdays.

Article45

Theissuesconcerningadministrationofaforeign-fundedinsurancecompanythatarenotspecifiedintheRegulationsortheseRulesshallbegovernedbytheapplicablelaws,administrativerulesandrelevantregulationsofCIRC.

Theestablishmentofaforeign-fundedreinsurancecompanyshallcomplywiththeRegulationsonEstablishmentofReinsuranceCompanies.TheissuesnotspecifiedintheRegulationsonEstablishmentofReinsuranceCompaniesshallbegovernedbytheseRules.

Article46

TheseRulesshall,mutatismutandis,applytoinsurancecompaniesthatareestablishedandoperatedinChinesemainlandbyinsurancecompaniesfromHongKongSpecialAdministrativeRegion,MacaoSpecialAdministrativeRegionorTaiwanregion.Theissuesotherwisestipulatedinthelaws,administrativerulesoradministrativeprotocolsshallbegovernedbythestipulationstherein.

Article47

TheseRulesshallcomeintoeffectasofJune15,2004.

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